davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus
Consumer complaint received 2020-11-03
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. (NV)

This medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar credit.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have written several certified letters disputing the validity of these 4 Student Loan accounts and asking for the deletion of inaccurate information. There are 90 day late payments without prior 30 or 60 days late payment history and this is factual data shown on Experian 's report so how could they be doing an investigation when they don't even read their own report. Also, the highest balance listed is 0 which would be inaccurate. 3 ) Status shows updated XX/XX/2019 although I have asked for dispute after that with no proof of notice which is a violation
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

Company : JPMorgan Chase Bank , N.A . 
Amount : around {$470.00} Date : XXXX On XX/XX/XXXX, when I was trying to send money through XXXX to my friend, XXXX indicated that a problem had occurred and asked me to contact Chase customer service. After contacting Chase customer service, they told me that my account had been closed and they will be reviewed it for ten business days and then send me the check for the remaining balance. I have waited for more than a month, but they never sent me the check and kept saying that my account needed to be under-reviewed by the risk department and the time of reviewing is indefinite. It was totally unfair to me. I don't involve any fraud or suspicious activities ; they just closed my account for no reason. And Chase even did not provide any letter to inform me their action. Since I am an XXXX XXXX  and lost my credit card from my parents, I have been borrowing money from my friends for a month. I urgently need this check from Chase, and I can not wait till XXXX. I will leave the United States on XX/XX/XXXX. And are they going to give me a check after I leave the country? How can I get the money? There's no way Chase will pay for my flight to the United States. This action from JPMorgan Chase Bank is really disappointing and disrupting my life.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MA)

I am filing this dispute against XXXX XXXX. I opened a credit card with them and they closed it before I could pay the final amount of {$120.00}. I have made multiple attempts both in person at the location I opened the account and over the phone to work with their customer service department about paying off this debt, and have been told over and over again that my account doesn't exist and they have no history of the the credit card account so they can not resolve the issue. 

XXXX XXXX made it extremely difficult to make payments on the credit card throughout the entirety of the card being open. They barred us from paying the card online or over the phone and forced us to come in person to make payments the exact day the payment was due or they would add a late fees. 

The last billing statement I have from them is from XX/XX/2019. I have been trying to resolve this issue ever since. I do not have a full account number for the credit card but I can provide the last 4 digits, a copy of the bill, as well as any other information needed to access the account and pay this debt.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

Hi, My name is XXXX XXXX, on XX/XX/2022 I received my weekly credit report from XXXX only to see that a debt of {$730.00} has been reported by Mrs Associate with a phone number and address not associated to me, I called Mrs Associate to find out what the charges is all about and the person I spoke with requested for my social security number to find out, he then get back to me and said he could not establish the vendor or company that reported the debt to Mrs Associate that I should call XXXX to find out who reported the claim and have been trying to speak to an XXXX representative and have not been able to and this is seriously damaging my hard earned credit. Please i need help so i can start re-building my credit
Consumer complaint received 2022-04-01
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. (NC)

Hello, I notified Experian more than 3 times about Credit Inquiries reporting on my credit report in error. I never even receive a response. 

I have attached a current Experian report dated, XX/XX/XXXX. Experian is still reporting 2 Hard Inquiries past the removal date. Those Hard Inquiries are for XXXX and XXXX. The inquiry for XXXX is dated XX/XX/XXXX, and the inquiry for XXXX is dated XX/XX/XXXX. These are both past the 2 year reporting dates. ( See Exhibit 1 ) Also, Experian is reporting a Hard Credit Inquiry XXXX XXXX XXXX that is not correct. The XXXX inquiry is dated XX/XX/XXXX. I never provided consent for XXXX to do a hard inquiry. I provided consent for a soft inquiry. I contacted XXXX and they said they are not sure why Experian is reporting a Hard inquiry because they do not even report to Experian. The email attached and dated XX/XX/XXXX, is proof that XXXX notified Experian about removing the hard inquiry. ( See Exhibit 2 ) However, Experian is still reporting the inquiry in error.

I am asking for the 3 highlighted hard inquires to be removed immediately as provided by law. ( See Exhibit 1 )
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My payment I had last month XX/XX/2020 for {$520.00} did not post to my loan account. It came out of my XXXX account XX/XX/2020. Confirmation Number : XXXX. I contacted the mortgage service today XX/XX/2020 and told my payment was applied to principal. They said they would submit a request, but I wouldnt get confirmation when it was complete. They said the payment I made today XX/XX/2020 for {$520.00} would go to principal and Id have to contact them once it posted wrong. I submitted my payments online as normal NOT principal payments. When I call their XXXX # I can not get a human and shuffled in the automated system.
Consumer complaint received 2020-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP (NV)

I did a refinance with Intercontinental Capital Group, I was satisfied with me rate, but in the beginning, I was told I would miss XXXX and XXXX payment. The process started, I thought it was strange I had to fill out the same documents a couple of times, but I completed each task. During the process I was told by XXXX XXXX, depending on the close date I may not have to pay XX/XX/XXXX payment either. I told him fine, but he would need to let me know before the XX/XX/XXXX, so a late fee would not be applied. XXXX did not inform me, so I made the payment on the XXXX, I would learn later the loan was paid off on the XXXX. At closing, XX/XX/XXXX, I saw the first payment was due XX/XX/XXXX. I emailed XXXX about this issue, not being what was agreed upon, I was ignored by XXXX. I filled out a survay giving poor ratings, and was then contacted by XXXX. XXXX gave a very poor answer to the situation, claiming I was confused as to the agreement, which definitely was not the case. I again emailed XXXX 4 more times and have been completely ignored. I have attempted to contact the company directly, the phone numbers are disconnected and the toll free number lists several TV providers. I now am very nervous about who is in control of my loan, no customer service can be reached. I don't know if you can do anything to help, I just want to warn other veterans about this shady company and not to do business with them. My only hope is they sell my loan to a reputable company. If they have to be approved to do business with veterans, I would strongly encourage they be removed from being able to provide any service to any veteran. If you can't honor your word, you're out.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 a hard credit inquiry was noted on my XXXX and Experian credit reports from XXXX XXXX. I immediately contacted XXXX XXXX XXXX XXXX and spoke with representatives in the Customer Service, Credit Card, and XXXX XXXX departments. Each had no indication that an application for credit had been filed under my social security number, and no account had been opened. 

Representatives at XXXX XXXX XXXX XXXX  than transferred me to customer service at Experian who instructed that I needed to file a complaint with the CFPB as well as them conducting their own investigation. 

My wife and I are in the process of purchasing a home, so we've been carefully monitoring our credit reports for activity.
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act US Dept of Education Account # XXXX and XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (MD)

XXXX has been on constant attack of my sister and I and the property management company they are supposedly in contact with claimed that our final bill was accurate ... In which is invalid due to the fact that the while my sister and I'm lived in our old community they had 3 changes of property management company and office personal changes even more often.. the property management company that we informed them to discuss the charges we refuse to pay with elemental because it's from when they were in charge ... When we moved it it was home properties And then sold to elemental then sold 2 days before my sister and I moved out to XXXX properties who are the same property management company that we currently live at. With all that being said we feel as if this XXXX is harassing us and the property team is discriminating and so disrespectful my sister and I felt like we weren't safe living here
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

California XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ) has repeatedly flagged the same debt as a Collection on my credit report. XXXX  times thus far ( XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ) treating each as its own collection. After calling them to request a mail copy of the debt and calling to pay the debt ( {$260.00} per flagged records ) they stated there are actually XXXX ( XXXX ) collections ( XXXX from XXXX and XXXX from XXXX ) and will not honor the {$260.00} fee wanted {$290.00} for each.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already filed a complaint about this on XX/XX/20. Here is the complaint ID : XXXX. The complaint was closed, however, this company still HAS NOT updated my credit report. 

This account is STILL showing up on my Transunion credit report. It is keeping my score down. The other two bureaus are NOT showing this. Apparently, they got the memo that I had a bankruptcy. 

I have called this company ( as well as Transunion ) and told their customer service that I filed a CFPB complaint, that XXXX 's responded to and told me that they would remove this from my report and to please give them at least 45 days to remove it. They gave me the run around. I was transferred from representative to representative and then asked to call their legal department, I did that too. The legal department told me they do not deal with the credit side and all they could do is forward my request back to their client. 

When I called Transunion, initially, they asked me to allow them 45 days to update my report. I waited PAST 45 days and called them back as well. When I called back, they told me to contact XXXX 's? Huh??? 

I should not be getting this run around. I just need this removed.
Consumer complaint received 2020-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

My husband and I consolidated our student loans in 2003. That original balance of {$32000.00} included all loans taken by my husband and myself. But Navient added the balance to our accounts twice, as if we EACH owed {$32000.00} and has been charging us interest on that ever since and will not respond to requests to adjust this balance correctly and apply all payments to the correct account.
Consumer complaint received 2020-11-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

on XX/XX/XXXX I faxed over a line if credit request to pay for property taxes and this is the second year the company has denied and have put my XXXX year old mother through XXXX. i have full power of attorney. this caused a late payment due last year and after months and many calls and many faxes they finally deposited $ so we could pay the property taxes. this year they are telling me that they called me and I told them its not authorized. it is a blunt lie. champion mortgage is up to something shady and i need someone to investigate this Co. my moms home is worth XXXX and the only reason we took out the reverse mortgage was for her property taxes to be paid!! every year they lie and play games
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (DE)

PLEASE REVIEW MY PREVIOUS CLAIM Please read and see images XXXX and XXXX to reference. XX/XX/22 i was charged XXXX twice. That would be from image XXXX XXXX equals XXXX for XXXX travelers. Also XX/XX/22 i was charged XXXX XXXX times ( refer to image XXXX ) that is XXXX for XXXX XXXX. On XX/XX/XXXX XXXX was charged for XXXX travelers please refer to image XXXX for XXXX Also XX/XX/XXXX XXXX was charged for XXXX travelers for XXXX Then XX/XX/22 trip protection XXXX and XXXX The additional charge of XXXX from united is unauthorized and unaccounted for. The other images i sent show the total for both receipts which comes to i believe XXXX and XXXX that is XXXX and as you can see on my statement i was charged a total of XXXX PLEASE REVIEW MY PREVIOUS CLAIM There is {$280.00} inaccounted for. Please look at images. I had XXXX purchases from XXXX for XXXX XXXX XXXX XXXX XXXX. Both receipts are attached and you can see what inwas charged and if the charges are totaled uo i was charged a extra {$280.00}. You can even see the XXXX rep say that charges is unaccounted. 

I have disputed this XXXX time already and no one has taken the time to review the actual fact. I keep having to take time out of my work day to call and its causing me major stress and anxiety. If this is not resolved I will be taking this to small claims court.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to Experian in regards to incorrect address on my credit report. The addresses that should be removed is XXXX XXXX XXXX XXXX XXXX, Ga XXXX, XXXX XXXX  XXXX XXXX apt XXXX, XXXX, Ga XXXX, & XXXX XXXX XXXX XXXX XXXX Tx XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I have also ask to verify and remove the US AUTO Finance/ do to my credit report stating the balance of XXXX, & the account transferred over to new lender. Please delete
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received notification of a hard inquiry made from Capital One and I thought it was strange. About a few days later, I was told I opened up a Capital One Walmart Rewards Card and it was getting shipped to me. I called Capital One right away and reported that as fraud but my XXXX XXXX still went down by like XXXX points based on the hard inquiry.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gotham Collection Services Corp. (FL)

My wages were garnished on XXXX due to a collections debt. Im unaware the debt, has never spoken to this collections company and the debt has not been VALIDATED. The collections company is in violation of the FDCPA guidelines as NO written notice was provided/ received by me prior to this garnishment therefore I had NO TIME to try and resolve. My correct address is updated with all 3 major credit bureaus so Im unsure why a notice was sent to an INCORRECT ADDRESS. I believe that is an UNFAIR tactic used by this collections company to try and collect payment due to my employer being located ( and not my address? ). The attorney of the collections company LIED to my employer stating I am in communication with their office and that I am aware of the debt and garnishment notice, WHEN I NEVER RECEIVED ANYTHING. This is incorrect and is considered Unfair Practice as unconscionable means were taken.
Consumer complaint received 2022-04-01
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. (NC)

Hello, I submitted Complaint XXXX on XX/XX/2022, against Equifax. Equifax responded today. Equifax responded to my complaint as quoted, " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' Equifax did not even read my complaint. My complaint was not about a furnisher. My complaint is about EQUIFAX. Equifax is reporting wrong data. NOT THE FURNISHERS! My Equifax ANNUAL REPORT and myequifax Dispute Center report is reporting the wrong AGE OF THE ACCOUNTS. THIS IS SERIOUS. Equifax can not continue to report bad data and ignore the problem. This is ridiculous. 

I have also been paying monthly for a credit monitoring daily report when the data is always wrong. I am going to contact the CEO and other government agencies about this serious issue. 

How is Equifax getting away with not even addressing issues? I am going to notify people about this issue until someone finally understands the seriousness.
Consumer complaint received 2020-11-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Experian, XXXX  and XXXX  arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.