davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (NM)

A debt collection company named NCBI called me and has been calling me for several months now using local numbers. I finally called back and they stated that I took out a loan in XX/XX/2017 for {$2500.00}. Supposedly I agreed to pay {$310.00} per month on the XXXX of every month and was now in the hole for over {$3000.00}. The personnel I spoke with all seemed to have XXXX ( from XXXX ) accents and all seemed to have normal American sounding names. I argued with them but they threatened my credit score and lawful penalties if I did not agree to resolve this bogus loan. I called out the last person I spoke with, a supervisor, and she became agitated with our conversation.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WI)

My paycheck on Friday XX/XX/XXXX had {$120.00} garnishment taken out from a company called LVNV Funding LLC. I have never heard of, spoken to, or recieved ANYTHING with information in regards to a debt they sued me for! I only became aware after looking on Wisconsin XXXX and saw this was from something in XXXX, and again I DON'T KNOW WHAT THIS DEBT IS FROM!! NOW THEY ARE TAKING {$120.00} FROM MY {$420.00} DOLLAR PAYCHECK! I can't live off of that and I'm gon na become homeless. I know this is a big waste of time because all you will do is forward this to them, they will say they did nothing wrong and then XXXX XXXX BUT WHO CARES RIGHT, YOU DON'T KNOW ME OR COULD CARE LESS IF THEY BREAK THE LAW AND RUIN PEOPLE 'S LIVES, ITS NOT YOUR PROBLEM. SO THANKS FOR DOING NOTHING EXCEPT ADD TO THE NUMBER OF HOMELESS PEOPLE IN AMERICA!
Consumer complaint received 2022-06-30
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MT)

We have a spousal consolidation FFEL loan given to us through the financial advisors at the college. We were told that it was an ed loan just consolidated incase one of us died. We were never told that it would not qualify for PSLF. I have 14 years working for the USDA and my wife has years in early childhood education. After years of IBR, we were denied for forgiveness. No one would tell us why. When XXXX  made FFEL part of forgiveness, we applied again. After multiple calls we were informed that we would never get it because of the spousal consolidation. We called AES and they told us they wouldnt work with us and there was nothing we could do.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Consumer Financial Protection Bureau ( CFPB ) Complaint To Whom It May Concern : I am writing to file a complaint against Equifax regarding the reporting of my Chapter 13 Bankruptcy account. The details are as follows : Account Status : Discharged Reference Number : XXXX I have recently reviewed my credit reports from all three major credit reporting agencies : XXXX, Equifax, and XXXX. I have found that while Equifax has reported this bankruptcy account, the other two agencies ( XXXX and XXXX ) were unable to verify the existence of this account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The fact that two out of three agencies could not verify this account indicates a clear failure to meet this standard. 

Given this situation, I formally request the immediate deletion of this bankruptcy account from my Equifax credit report. The continued presence of this unverified account is a violation of the FCRA and negatively impacts my creditworthiness. 

I expect a prompt response to this complaint, and I request that you provide a free copy of my credit report after any necessary adjustments have been made. 

I DO NOT WANT AN E-OSCAR REPORT
Consumer complaint received 2020-05-20
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-06-24
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. (CA)

I sent in my police report and my FTC affidavit to the three credit bureaus Experian Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Experian again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. Experian also accused me of not getting a police report from the police department that is not true and insulting. XXXX XXXX accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My XXXX XXXX was charged twice on XX/XX/2022 at a XXXX XXXX restaurant in California. The amounts : {$25.00} and {$95.00}. I live in Massachusetts and was at home when the charges were made. I reported it to the bank Capital One, that holds the Debit Card. I cancelled the Debit Card and Capital One reportedly is sending a new one. Capital One said if they were unable to resolve the issue within 10 days, the funds would be temporarily returned to my checking account. On XX/XX/2022 I received a call from a XXXX XXXX representative. The caller sent me copies of the bills associated with the charges. The XXXX XXXX representative said the customers used a smart phone app to pay the bills using XXXX while in the restaurant. According to the representative, the restaurant may have surveillance cameras that could be available to investigators or police if requested. On XX/XX/2022 Capital One returned the funds to my account without explanation.
Consumer complaint received 2023-02-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WI)

On XXXX XXXX I made 2- {$400.00} payments to Discover card through their Discover App. My checking account through XXXX XXXX XXXX XXXX is Direct Linked so I can make payments. XX/XX/XXXX, the first payment of {$400.00} posted and on XX/XX/XXXX the XXXX payment posted from my checking account. 

I checked the Discover card account and despite them having debited the money they only showed the payment deduction for the XXXX. Mind you both are labeled Discover XXXX XXXXXXXX XXXX on the bank statement to show the deduction. 

On XX/XX/XXXX, I contacted the Web messaging assistant via the Discover App and was connected with XXXX in XXXX XXXX XXXX. XXXX assured me that the payment had posted and would be credited to the account and would send me a confirmation e-mail. The confirmation e-mail never arrived. 

Later that morning I contacted them a second time and was connected to XXXX in Ohio. She said I should receive a confirmation number for all payments, and I informed her that when paid through the app it doesn't give one. She said it takes XXXX days to post and we were beyond that point already. 

On XX/XX/XXXX I filed a missing payment dispute for the missing {$400.00} payment via their website and provided the dates and times and banking information plus uploaded documentation. 

On XX/XX/XXXX I faxed a copy of my bank showing the labeled payment withdrawals on XX/XX/XXXX for {$400.00} and the XXXX for {$400.00} each and my account message from XXXX XXXX XXXX XXXX providing both the ACH numbers for them. 

I contacted Discover Messaging again to verify that the fax was received and was told they work faxes in the order in which they are received. They then reversed the temporary credit of {$400.00} and closed my dispute despite it not being resolved. 

On XX/XX/XXXX, I contacted Discover messaging again and requested to be connected with a supervisor and was told none were available and it could take up to24-48 business hours. 

Later in the day on XX/XX/XXXX, I was messaged by XXXX in the Delaware XXXX who told me 2 payments of {$400.00} were recently posted to my account- he did not give any dates he also admitted to receiving the fax. 

Upon checking my account, they still haven't posted the 2nd {$400.00} or deducted it from my total in my account. My account currently only shows the payment from the XXXX so the posted payment from my bank account on the XXXX hasn't been applied. Current total shows {$860.00} instead of the correct {$460.00} ( if they had applied the missing {$400.00} payment ). All applicable bank statements, e-mail, and screen shots of messages including the false claim that they applied the payment when they did not will be attached.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (AZ)

My Apple Card, which is managed by Goldman Sachs, has been locked and I was told it was due to a high balance on XX/XX/XXXX. I was told by a representative that I have to pay down my balance and it will allow my card to work again. On XX/XX/XXXX I reached out again as my card had not been able to make charges since lowering the balance. I was told that my account was under review and they would not give me a date that the review would be complete. On XX/XX/XXXX I reached out to Goldman Sachs/Apple Card support again just to get a time frame of the review and they had advised XXXX  days someone would reach out to me. I never heard back so I reached out again on XX/XX/XXXX. I was told the card would be active on XX/XX/XXXX. Reached out again on the XXXX and the XXXX as it still was not active and was told the card is under review and that there is no timeframe. I filed a complaint with Apple Card support and was told I would be contacted within XXXX  days regarding my complaint and i still have not heard back.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is a XXXX XXXX credit card on my credit file, states I am an authorized user..I have never been a user on that account and do not have a card ( the account with a {$4000.00} balance ). I talked to XXXX XXXX and they have corrected it on their end but I need it removed off my credit reports.
Consumer complaint received 2016-08-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Thank you CFPB! I finally received the documents of the transactions that I have requested from my mom 's mortgage company - Ocwen Financial Services since my last complaint through the help of CFPB case # XXXX. I am seeing a lot of charges for Attorney Fees and other charges. I would like a detailed written account of each transaction of the fees assessed to help me understand why my mom was charged over XXXX charges in fees, XXXX charges in attorney fees and XXXX certified mail charges during the life of the loan with them. Some of those charges occurred multiple times during the same date. I would like the date of the charge and an explanation of how it was assessed. I would like to receive this information within a week 's time. Thank you.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IN)

Had an account with BMO Harris bank in XXXXXXXX XXXX was told my account was {$5000.00} and negative. I have never used this account for the last XXXX years being that I had no longer lived in that state of XXXX at the time this occurred reached out to Bmo And no one has called me back. I have tried to get a fraud alert on my account that was no help. I will also be making a police police report report about this so this will not be on my credit.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/23 someone tried to wire money out of my account, and it was declined through chase. after that my account was locked. i went in person to talk to a real person she let me know it was true someone was trying to wire money out. So, moving to the next day XX/XX/23 i get a call around XXXX from chases customer service number and it's a chase employee from the fraud department wanting to help add security to my account. i ask for some information on myself, he gave me my SS # and my address and my account information such as how much money i had in my account and my last transactions. So, I believed him, because who has that info unless you work for chase. he processes to unlock my chase online bank account for me, and he has me setting up security steps, next thing i know all my money is being transferred to an unknow account. Within 15min of the transfer, I went to a chase bank to stop the transfer. chase told me they could not stop it. they are not wanting to help me whatsoever based on their polices with wire transfers. I have contacted my local police department as well as i am in requesting my phone records because it was chase 's customer service number that called me. Im concerned how someone was able unlocked my account and scam me.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$94.00} ), XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX amount {$4300.00} yall keep reporting that i owe supposed debt i never gave ANYONE permission to furnish anything on my consumer report pursuant to 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. i demand the written instructions because i know for a fact because i have first hand knowledge of the facts further more its violating my faith in god because he issued his servants the credit Proverbs 22:26-27 Do not be among those who give pledges, Among those who become guarantors for debts. 
If you have nothing with which to pay, Why should he take your bed from under you?
Consumer complaint received 2024-09-04
Product: Credit reporting 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. (CA)

Good day. There's inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2023-02-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-07
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.