davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Under false pretense, LexisNexis is reporting a Bankruptcy on my credit report. They have listed the Creditor / Institution as XXXX XXXX XXXX XXXX XXXX. 

After contacting the XXXX XXXX XXXX XXXX XXXX, I was informed that they are not the Creditors and they do not report to any third party reporting agencies nor converse with any third party reporting agencies. They also stated that the information reported comes from a XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ). 

I received a letter from PACER also, that states PACER does not contact consumer reporting and credit reporting agencies.
Consumer complaint received 2020-04-27
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. (AL)

I attempted to dispute a XX/XX/XXXX mishandled payment with XXXX XXXX 

In an possible act of retribution or discrimination, XXXX XXXX has sent an false/ inaccurate report to Experian XXXX The loan balance has been inflated to {$48000.00}. Also an other false notation is that they now report both the XXXX and XXXX payment as late. Attached will be information showing my loan balance in XX/XX/XXXX as being XXXX. How does a loan balance increase? My amortization schedule should show the balance going down about XXXX dollars every month not going back up to the $ XXXX.
Consumer complaint received 2023-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (MA)

USBank is my mortgage holder. for the past XXXX  months they have been mishandling my mortgage payments. on or about XX/XX/XXXX i received my annual escrow analysis. as I did XXXX XXXX every month I make my payment early and overpay {$200.00} to princile and direct {$30.00} XXXX to escrow. i submit a monthly check with USBANKS. payment stub. On that payment stub i directed the additional payment goes as directed. In 24 months USBank only directed the addition escrow one time XX/XX/XXXX. XX/XX/XXXX i spoke with them and they said they would rectify the problem. They did not. I have spoken with USBANK several times. they claim i have a shortage of {$1500.00}. i explained that that is ridiculous i overpay and i spoke with my city about the taxes and my isurance Co. both told me USBANKS # s are flawed and way off. I explained on advice from the city of XXXX and my insurance agency i will pay taxes and insurance directly. since they are mishandling my funds. They were rude at me. told me the way they applied the funds was better for me. told me to write a letter if i wanted to " escalate ''. my claims. So, I did and have not heard back from them. thank you.
Consumer complaint received 2023-10-08
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

Please see attached. 
I reserved a trip but had to make a change. Instead of changing for me they cancelled and charged me almost XXXX in fees. I called the companies direct and reinstated the reservations but the company is charging me cancellation fees they say are going to the hotel. The hotel honored the reservation and did not collect any fees or cancellation from the company at all. If this is allowed to happen then the internet travel company can make thousands of dollars by doing nothing and ruining peoples trips. I honored the reservation, went on the trip, paid the hotel and did NOT cancel. They did because they use overseas english as a second language sales support. They cancel my trip by accident / confusion, and I pay an additional XXXX??? and have to start all over again? ( I used XXXX XXXX Packages which subs to XXXX ) who is operated in XXXX and has no US based support and does not answer the phone, cant get same people, give you no case number and already agreed to refund but never did.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

My name is XXXX and I am writing to state that LVNV FUNDING/ RESURGENT CAPITAL SERVICES is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the LVNV FUNDING/ RESURGENT CAPITAL SERVICES. Since LVNV FUNDING/ RESURGENT CAPITAL SERVICES oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit A. This constitutes as a violation pursuant to 15 U.S. Code 1692d ( 1 ) for the use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXXXXXX XXXX XXXX XXXXXXXX Dear Collections and XXXX XXXX XXXX. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 



Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non- compliance. 



Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking XXXX in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act
Consumer complaint received 2023-10-01
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (CA)

I received a letter from Cedars Business Services, seeking payment for a traffic ticket from XXXX, XXXX, from XXXX. The total debt is {$210.00} : {$91.00} fee and {$120.00} principal. There is no date specified for the infraction in the letter from Cedars. In  XXXX of XXXX, my wife and I were traveling in XXXX. Upon our return, we received ( and paid for ) a credit card bill, with charges for our rental car, plus an additional charge for the traffic infraction. We have received no communication from any XXXX  government entity. We have lived at the same address for the last 10 years, so there is little chance of a postal issue. 

In a letter dated XX/XX/XXXX, I responded to Cedars, requesting documentation of the purported charges. 

The address of Cedars Business Services is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. Their phone number is : XXXX. The date of their letter is XX/XX/XXXX.
Consumer complaint received 2021-12-08
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXX, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.
Consumer complaint received 2019-05-29
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. (UT)

XXXX XXXX - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.
Consumer complaint received 2023-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a mortgage with XXXX XXXX and they have been denying my modification request and assistance for over 2 years. 

They keep telling me that I need to clear the irs liens on my county report but the liens are not going anywhere until I pay them and if I could pay them then I would not need a modification. 

I contacted the irs to do a subordination agreement on XXXX XXXX behalf and they never sent the irs information to complete the subordination on the liens. It's like XXXX XXXX wants me to loose my home! The irs liens are from a bad business that went bankrupt and now I have the irs lies from Im 2019 with The taxes from the business. 

I'm teuk f to keep my home and they want to foreclose on me and only offer me a short sale! 

I need a modification. Or payment plan and they will help me! 

It's just modification which means modifying my current mortgage not a refinance and I do not know why the liens ars playing a big factor on me keeping my home. 


Please have them understand the the IRS and state of Virginia liens are not going anywhere and I need to keep my home! 

Im also going to file a discrimination complaint again Truist because I'm beginning to believe they are practicing discrimination against me and my co borrower because we are XXXX! 

My co borrower is a XXXX veteran!
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX  - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

For a while now, since XX/XX/2016, I haven't had a updated credit report. I'm XXXX years old trying to make a life for myself and can't do that because of the outdated report.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ; XXXX XX/XX/2023.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MN)

SYNCHRONY BANK I'm filing this complaint on your bank due to the fact that their is error On my credit reports from your company I have disputed this account half dozen time with each of the three reporting agencies and they state that the account is reporting correctly but I beg the differ your company is in violation of the FCRA 623 it states that the creditor must enter that the consumer dispute message when a consumer dispute and you have failed to do so therefore this can not be reported you could be sued for {$1000.00} per credit reporting agencies The law is very clear as to the Civil liability if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. please delete this account from all three reporting agency
Consumer complaint received 2019-05-29
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. (IL)

I sent two dispute letters out to Experian Credit Bureau regarding the accuracy of the account ( XXXX XXXX XXXX ) that they are reporting on my credit report. The first dispute letter was sent last year in XXXX, XXXX and the second letter was sent this pass XXXX, XXXX. Both letters were unanswered and has been over 60 days and yet I wasn't provide with any proof of the investigation was even in progress or the results of the investigation. I try contacting them via phone to ask for proof of the investigation or results but was told that they were unable to provide any proof or documentation regarding the results of the investigation on this account. 

My Dispute : If they do not have any documentation in there files to verify the accuracy of these disputed accounts then they must be delete immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i )
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Talk to XXXX on XX/XX/2019ragarding issues on account MCM # XXXX. Was told the account was not reporting to Credit Bureaus as well as an attempt to collect but can not be sued.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MA)

At XXXX XXXX ET on Fri XX/XX/XXXX, XXXX, at the Chase ATM located at XXXX XXXX XXXX, XXXX, MA XXXX, the machine took my {$5.00} deposit, claimed it was unable to read the bill, said it was giving it back to me, but the cash drawer never opened, and then I got the error message " We're having some trouble. To be sure your deposit went through, please call XXXX. We'll print this number on your receipt. '' There was no receipt given. 

This is the second time this has happened. I have also encountered other people at the same ATM who have come out of the vestibule frustrated that they, too, have lost cash. 

I had written to the branch manager at my branch about this problem before and received no response. I asked the contact center to please repair this ATM, and they disconnected. 

This time, I waited over XXXX XXXX on hold to file an ATM claim with the contact center. I was transferred so many times after going through the XXXX system. 

Will Chase ATM ever get fixed? Will their branch and contact center staff ever respond?
Consumer complaint received 2019-11-07
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. (PA)

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

I was invited to apply for a loan by NetCredit XXXX, and on XX/XX/XXXX, I applied and I was approved for a line of credit of {$2800.00}. Those funds of {$2800.00} less the withdrawal fee of 10 % was sent and posted to my bank account on XX/XX/XXXX. When i signed up for the loan, I was under the impression based on the estimator that my payments would be {$210.00} monthly. I know that is high already in itself but i figured it would be paid faster and I did need it for an emergency. 
On XX/XX/XXXX I logged in to verify my payment due date and saw on my online account/dashboard my first payment would be due XX/XX/XXXX for {$210.00}, and then the next payment of {$200.00} on XX/XX/XXXX, and then the next one of XXXX on XX/XX/XXXX. From there it would be biweekly payment due that are just cents less than the month before. 
When i seen this on XX/XX/XXXX i reached out to understand these terms, and advised i hadn't even received a contract from them at that point and requested for one quickly. 
I have sent so so many emails for clarification or some sort of resolution, and it's always the same response that they can charge these rates because i signed the loan, and that it doesn't matter if their rates are nearly 400 %. 
The most recent email I received XX/XX/XXXX from NetCredit stated that they don't charge traditional interest. Instead they charge {$5.00} per every {$100.00}, and they call it a " statement fee '' that they apply every weeks when the payment is due. For me that would mean that by loan pay off date I would have paid them back exactly {$8800.00} for an initial loan of {$2800.00} based on their fee methods. 
I noticed in my loan agreement that the true lender or entity named in my contract anyways is XXXXXXXX XXXX and XXXX XXXX but it's in C/O Netcredit. It also included XXXX or XXXX XXXX and that entity was the name that appeared on the ACH deposit. 
Since receiving the loan on XX/XX/XXXX for {$2800.00}. I have paid back as of today XX/XX/XXXX the total amount {$420.00}, and current outstanding balance appears as {$3100.00}. 
I included all parties below. The bank appears as the entity involved or the contract pertains to ... NetCredit it the party I applied the loan with through their website ... and XXXX XXXX is who appeared on my bank account when i received the funds. 

I do not know what this complaint will do nor do I have any expectations to act as counsel, but I'd like to know if my complaint has merit so i can continue to look out for my best interest. Or if I have any protections under WA usury laws. Thank you so much for hearing me out, and my frustrations. 

XXXX Bank and XXXX XXXX XXXX Kentucky, XXXX XXXX XXXX XXXX XXXX, KY, XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX NetCredit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, ( XXXX ) XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment to XXXX XXXX Department of Water and Power Via bill pay for XXXX dept do water power states they didnt receive payment. I requested proof of payment from Bank of America. I contacted XXXX and they stated payment not received. Filed fraud claim with Bank of America XX/XX/23 completed affidavit faxed to Bank of America. I contacted Bank of America on XXXX to verify update spoke to a manager XXXX said my case has not been updated since XX/XX/23. So nothing is happening with my fraud case no update or resolution. I am still out XXXX Bank of America has dropped the ball. They cant tell me how long this can take to resolve. I filed a complaint with Bank of America. Case Id XXXX