davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/30, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX Balance details 0 % paid off Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$2000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed THE DATE IS NOW XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc. (NJ)

I INFORM COLLECTORS THAT I HAD 2 INSURANCE IN THAT IT WAS AN ERROR THESE BILLS WAS PAY BY MY INSURANCE CARRIER IN WHICH THEY ADMITTED THERE WAS LATE FEES IN WHICH I WAS NOT RESPONSIBLE FOR, THEY CONTINUE TO HARASSED ME REPEATEDLY.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

XXXX XXXX is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

I have had my chime account for a few years now and up until recently I never used it-and now I remember why. I was always told not to use chime because the way they are with customers is unprofessional, rude and wont care to help you, the funny thing is those people were 1000 % right! I had some fraudulent activity on my chime account-about 5 charges exactly and as soon as I noticed them I filed a dispute right from the app. When I tell you not even 5 minutes after I hit the submit button, I received two emails stating that the disputes I literally just filed were both declined-I almost lost my XXXX! I immediately called customer service and explained the reasoning for my call and not only couldnt o understand the woman trying to speak English, she wouldnt let me get a whole sentence out before she was talking over me! She was absolutely horrible, and told me I was basically out the money that was stolen out of my accountalmost {$450.00}! I demanded to speak with a supervisor who I finally got to speak to after waiting another 56 minutes on hold. that was a total waste of my time as well because she told me she could put in for a rebuttal against the denied claims but she didnt know if that would even matter and told me that she would have to put in a special request for the information they used in order to come up with the denial and that it would also take another 10 business days for that information to be sent out to me. Its hilarious how your customers are given the run around for basically everything-you people deny fraud claims IMMEDIATELY after theyre filed and cant even give an explanation as to why!!! I WANT MY MONEY BACK now!
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a new Capital One credit card with a 0 % APR back in XXXX. I have used the card for many months, only making the minimum payment in order to avoid interest, and noticed last month that I was nearing the end of the promo time period. I called in to Capital One customer service and spoke with a representative who mentioned that as long as the total balance is paid by XXXX that NO interest would be charged on my account. On XX/XX/XXXX, there was interest charged to my account in the amount of {$140.00}, so I reached out to customer service for a response. I was transferred to a Senior Supervisor ( XXXX - XXXX ) who informed me that they could not help me in any way. XXXX also said that they are not responsible for what answers customer service provides about accounts. He informed me whether right or wrong, they do not stand by what answers customer service provides.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC (NY)

Dear Gemini Credit Card Dispute Department, I am writing to dispute charges totaling $ XXXX from XXXX XXXX XXXX I booked a 4-night stay from XX/XX/2023 to XX/XX/2023. When I arrived, I found the hotel under construction with no air conditioning or amenities. My stay was highly unsatisfactory. 

I brought this to the hotel 's attention and asked for a discount, but they refused and charged me the full price despite my only staying 2 nights. I first disputed the charges for the unused nights, providing photos and a written explanation, but Gemini denied my dispute. I appealed again and provided more evidence of the hotel 's unacceptable condition, but the dispute was rejected again. 

The charges are fraudulent because I did not receive the hotel services I paid for during my stay. The hotel was simply not operable with no XXXX and amenities under construction. As evidence, I have attached : Copy of original reservation booking and receipt showing XXXX nights Photographs showing construction and lack of amenities Written complaint submitted to hotel management An invoice showing full charges for 4 nights after staying only 2 nights XXXX XXXX XXXX did not deliver the experience promised when I booked. Despite not receiving the services I paid for, they refused to discount my stay. I should not be held responsible for paying full price on an incomplete stay. Please thoroughly review the evidence and reconsider my dispute. The charges are illegitimate and should be removed from my account. 

Thank you for your time. I look forward to your prompt response on this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (IL)

Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT charge off this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violating 15 USC 1681e ( b ). This is fraud at its finest and I DEMAND this account be removed from my credit report immediately!! 
XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALL COMPANIES ARE IN VIOLATION OF LAW!!!! 

" FAIR CARES ACT ''!! 



RESPONSE DISPUTE!!!!!!!!!

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c 
) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I had about {$1500.00} taken out of my account from a rental company I haven't done business with or heard of. I didnt authorize the transaction and I have disputed it over 5 times. The bank hasnt provided any feasible evidence that shows that I allowed this transaction or that you contacted the company regarding the matter. When asked for additional documentation from Chime as to why the dispute was dismissed, they had documentation with the wrong company information, leading me to believe that the bank was not actually trying to resolve the problem, but falsely told me that they had contacted the company just to not get the issue resolved and get my money back. This entire ordeal has been occurring since XXXX and I have had no other possible routes to take.
Consumer complaint received 2023-08-14
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (FL)

I just recently came down with XXXX. i reached out to all my banks ( car loans and all ) and have asked for help. im out of work due to having XXXX and am not being paid for being out of work. i can not go back until i have a negative test. i have already been out a week, and may be out for another week or 2. I owe {$58.00} on XX/XX/21 on my discover credit card. I asked if they would be willing to push my payments out a month, since i have always been on time paying and have sometimes paid way over the minimum. They are refusing to help me out. They suggested that i find someone to help me out while i go through financial hardships. They proceeded to send me paragraphs talking about lower interest rates and such, trying to bring me off the topic of me needing to push my payments out. In the end, they refused to help me out with my upcoming payment.
Consumer complaint received 2023-08-18
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NJ)

THIS WAS AN XXXX XXXX  PHONE THAT HAD INACCURATE INFORMATION STATING THAT THERE WAS A BALANCE IN WHICH THERE WAS NOTHING OWN ON THE PASS OLD ACCOUNT, IN WHICH WAS A XXXX BALANCE, THIS CREDIT COMPANY HAS HARASS ME WITH FALSE INFORMATION.COMPANY NAME IS SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX PHONE NUMBER XXXX
Consumer complaint received 2020-05-09
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. (CA)

My complaint is against Experian. I paid off a collection account that was delinquent in XX/XX/XXXX and I sent the proof that I received from the creditor to Experian. Experian stated that they reached out to the creditor and determined that the debt was correct and they would not update the information. I contacted the creditor and they stated that not once did experian contact them regarding my dispute inquiry. I have contacted experian and have proof of contact on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request experian correctly look into my dispute. The amount of the debt I owed and paid in full was {$4300.00}. I contacted experian to request that they make the adjustment on my credit report to reflect the collection account was paid. Each time I contacted experian I sent proof from the creditor that the debt was paid in full. Experian has replied each time with the following statment " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Consumer complaint received 2020-05-09
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. (TX)

I have a number of accounts I have disputed on my Experian credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the 4th or 5th time!
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

I deposited my income check on XX/XX/2020 at XXXX at a bank branch ATM. There was no disclosure that they would place a hold on my account. This has negatively affected me. I am not able to pay my bills, go grocery shopping, etc. I am now going to incur late fees due to this. 

I called into the bank to find out when my check will be released and they stated by XX/XX/2020. This is unacceptable. There should have been a disclosure on the ATM machine. There should have been disclosure on my receipt. Nothing. Not one thing in writing giving me an option to not deposit the check and taking it to the bank on the check to cash. If I would have been given this option, it would have avoided hundreds of dollars in late fees. 

Co-America Bank should be required to give dates of release and notification that a check will be placed on hold. 

Thank you,
Consumer complaint received 2023-10-18
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a number of accounts I have disputed on my XXXX credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the XXXX or XXXX time!
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX