davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

After reviewing my current credit report from Experian credit reporting agency. I notice that an account under the name ( XXXX XXXX XXXX  ) reports inaccurate, misleading, Unverifiable, inconsistent information on my consumer credit report. 

Account : XXXX XXXX XXXXnk : Currently reports inaccurate balance and credit limit amount. A violation of FCRA rules. Sec 1681.

: Currently reports no last date of payment as required by fcra rules section 1681. As a result this is a violation.

: Currently reports no date of first delinquency. A violation of FCRA rules section 1681.

Currently reports multiple charged off status each and every month after Account has been changed off. A violation of FCRA rules section 1681. 
Currently reports Account last updated in XXXX of XXXX, while account was last disputed in XXXX of XXXX a clear indication that account was not properly investigated. A violation of FCRA rules section 1681.

Currently reports in comments that account meets fcra requirements, while reporting inaccurate, misleading, Unverifiable, information. A violation of FCRA rules.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MO)

The Company, XXXX XXXX XXXX, continues to call me on my cell phone and work phone for debt that is not mine. This debt is most likely owned by a family member who shares my name. Even if this debt was mine, they can't call me at work. I called once to get them to stop, but they wanted me to identify myself, despite them not knowing they had the right person. They hung up after I got angry. But I would have reiterated the fact they were calling me at work, which is wrong. 

The Company 's phone number is XXXX XXXX XXXX XXXX. My reference number is XXXX.
Consumer complaint received 2020-05-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

We are 2 months behind on my mortgage. We have been making payments but have not been able to catch up on back payments. Have stayed in touch with servicer and let them know we are trying to catch up. 
I recently received a letter saying we were accepted in a forbearance. 
I never asked or applied for a forberence as I did not know what that was. I called the Servicer and asked what a forberence is and I said I did not ask for a forberence. They told me I did. I asked what date that request was made and they gave me a date and I said I never made that call to them asking for a forberence. I asked them about the terms and they said a balloon payment in 3 months. I told them to please remove the forberence that I did not call and ask for one. 
They are trying to trick me into a forberence and are lying. The Servicer is NewRez.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (LA)

I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I was searching for an apartment and the " owner '' of the home reached out to me regarding the home. He told me he moved to Florida and was working with a realtor who inflated the prices of the home so he decided to place the ad on XXXX. He told me due to Covid-19 that he was not allowing showings but we could drive by and see the place and check out the neighborhood. He sent me an application that I filled out which I completed. He told me if I am approved, he will mail me the keys since he was in Florida. I completed the application, he sent me a lease once I was approved, and I sent him the money for the security deposit and first month 's rent. Prior to sending him the money, I reached out to XXXX on XX/XX/XXXX and asked them what would happen if I send money through the bank and I do not get any keys. The rep told me I can do a dispute to get the money back. At first, I tried to do the transaction through XXXX. I was unable to do so and called the bank again for assistance. I was transferred to another department. After a while, I sent the money through XXXX with the assurance from the rep that if anything fell through, I would be covered through the bank. I sent {$850.00} on XX/XX/XXXX and XXXX. Once the money was sent I was under the impression, the keys will be mailed out to me. He told me will mail me the keys and that is when I realized it was a scam/fraud. After he received the money, he asked for more money. I told him I was not sending him any more money and wanted my money back. He refused to give me my money back and proceeded he will send me the keys and I have not heard back from this person. Afterwards, I reached out to XXXX and explained to the rep what happened ( XX/XX/XXXX ). She started the claim and told me to reach out to the Zelle dispute team to try and stop the second payment. The next day, I reached out to the Zelle dispute team and she marked the email address as fraud to prevent this from happening again to someone else. The following Tuesday XX/XX/XXXX, I called back to file a claim for the second {$850.00}. About 10 business days later, I received a letter that the dispute was declined based on findings. Under normal circumstances, I would not have sent money via zelle. But since we are in a pandemic and people do not want to meet face to face, I was optimistic about the situation. I did not gain anything from this transaction except a loss of {$1700.00} and the service/agreement was not fulfilled. I am told by the bank that Zelle does not protect consumers who have been scammed or frauded out of money which is horrible! There should be some sort of rule in place to help people get their money back especially during a pandemic when funds is already limited. The fact that I trusted a service and is not protected is very disheartening,
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

InXX/XX/XXXXIenteredintoarehabloanagreementwithConservetobringmeoutofdefault.Theyneversentmeanyfinalpaperworkorcorrespondence,theyjuststartedtakingautomaticpaymentsoutofmybankaccountwhichIauthorizedundertheassumptionthepaymentswerebasedontheloanrehabagreement.Thepaymentshavebeentakenoutmonthlyfor2years.Isporadicallywouldreceivealetternotifyingmethattheamountpursuanttomyloanagreementandpriorauthorizationwouldbededucted(acopyofoneofthelettersisattached).IreceivedNOothercorrespondenceotherthanthesesporadicletters.ThisyearmyhusbandandIfiledjointtaxreturnsandreceivedanoticethattheentireamountwastakenasanIRSoffsetduetomyUSDeptofEdloanbeingindefault.IcalledthenumberontheIRSletter(USDeptofEducation)andtheautomatedsystemsaidmyaccountiswithConserve&transferredmetothem.TheytoldmethatafterIfilledoutallthedocuments(backin2016)theydidanauditanditwasdeterminedIshouldbepayingmorethanwhatmycurrentamountis,butIwasnevernotified.IreceivednocorrespondenceinanywayormessagesoremailsoranythingfromConserveabouttheproblemwiththeamountotherthanthesporadiclettersImentioned(oneisattached)andsincetheautomaticpaymentswerebeingtakenmonthlyfrommybankaccounthowwouldIknowtherewasanissue.IaskedthemwhyIwasnottoldabouttheoffsetsoIcouldhavetriedtorectifythesituationandwastoldwecantgeneratethattypeofcorrespondenceIaskedwhynobodycontactedme,Iwastoldwetriedtocall.IaskedwhenIreceivednomessagesandiftheycouldntgetmebyphonewhydidnttheysendmecorrespondence.Iwastoldwecantdothat.Sohowisapersonsupposedtorectifyasituationthattheyarentevenawareof?HejusttoldmetohavemyhusbandfilloutaninjuredspouseformbutwouldnotgivemeananswerofhowImindefaultifIhavebeenmakingpaymentsfor2yearsandwasNEVERtoldtheirwasanissuewiththeamount.Theywouldnothelpmeatall.IcalledtheIRSoffsetnumberitsaidtherewerenone,IcalledUSDeptofEducationtheytellmecallConserve,IcallConservetheywontgivemeananswerofhowImindefaultifIvebeenpayingwhatIthoughtwasalegitimateloanrehab.Nobodywillanswerme,nobodywilltellmyhowthishappenedandwhatIcandoandwhy/howImindefaultifIvepaidmonthly.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OR)

I had paid off my Nordstrom credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through XXXX  and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with Nordstrom. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So Nordstrom is telling me I'm a liar and XXXX  doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I opened an checking account with Chase back in XX/XX/2021, and prior to recieve my debit card, i got locked out from my chase mobile app. i couldn't gain acess to my account, so i called customer support, and they told me to go to the branch to solve it. and the staff at the Chase branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) told me they need my premanent resident card to verify my identity. but at the time, i only brought my drivers license and my passport with me. they told me that they have to close the account, and when i asked about the remaining funds ( {$3000.00} ) in the account, they refuse to issue me a check in person, told me that they will mail check to me ( 5-8 business days ). after XXXX weeks, i still have not received the check. so i called them, and they told me they put a stop payment on the first one and issued me a new check, another two weeks past, still not in the mail. so i called customer support again, they told me to get a ( declaration of lost cashier 's check ( mailed XXXX jpmorgan chase and never received ) and have it notarized and fax over to them. i went to the branch did what they ask me to do on XX/XX/2021. i have the original file with me. another XXXX weeks past, still nothing in the mail. not even getting the first check or second check that they claimed mailed out. when i asked them about the letter with the check ' tracking number, they couldn't provide it. it is really frastruating after spending hours on the phone ( they put me on hold ) and today is XX/XX/2021, XXXX and an half month after the account closure. i still have not got the check ( {$3000.00} )
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

US Bank and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/XXXX, I initiated a transaction worth {$20000.00} from my Axos Bank 's managed portfolio ( build wealth ) to my bank account. This bank account has always been linked to my Axos bank account & has been used to fund it in the past. 
The transaction showed as successful & indicated 5-7 business days to complete. Even after XX/XX/XXXX, the amount wasn't transferred & the transaction disappeared from the list. I also started a support ticket to which there was no reply.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I recently submitted a dispute with XXXX concerning a public record on my credit report. I was instructed to contact LexisNexis regarding the issue. LexisNexis was named as the vendor that verified the public record. I have submitted supporting documents to XXXX from LexisNexis stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the XXXX must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked XXXX in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to XXXX on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery association has called me none stop since the covid 19 pandemic and even yelled and screamed at me stating that they are going to sue me and involve law enforcement if I do not pay a debt that I keep explaining to them that I do not owe. 
They do not have proof of me opening this account. 
they refuse to validate this account because they themselves know that they can not confirm I am the owner of this debt. 
they are even reporting two huge amounts of credit card debt in the amounts of XXXX and XXXX dollars. I called them numerous of times and explained to them that this not an account that I have opened.