davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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: U.S. BANCORP (CO)

Greetings, Most recent disputes on XX/XX/22 and XX/XX/22 included supporting documentation via fax which the bank states they have not received despite successful fax confirmation. 

I phoned bank on XX/XX/22 to discuss and was supposed to receive a phone call by XX/XX/22. No call was received. Upon calling XX/XX/22, agents stated that there were notes that a call was made to me on XX/XX/22. There is no record in my call log of any such attempt. 

My time and finances are being disrespected. Attached evidence provided.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dimand Law Offices, P.C. (DC)

Agreed to remove a debt that was caused by identity theft. 
Failed to investigate identity theft Agreed to remove item from credit report because they could not provide a copy of a contract with my signature. Item removed from report and the record will show from my previous complaint onXXXX XX/XX/2021. On the record XXXX agreed too remove the items and out of spite passed the item to XXXX law firm that filed a lawsuit in a state that I do not reside in. All 3 parties are conspiring on XXXX and XXXX  people to try and stiff arm them to pay a bill that does not belong to that person. All three parties should also be dealt with by the FTC. 

Besides the above issues the credit card debt in which they have filed against me is in a state that I do not reside in. I have not resided in that state in the past 7 years. The state in which I resides only allows three years to collect on a credit card debt from the time in which it was delinquent. The statue of limitation for my state that I reside is 3 years and that 3 years have passed by. 

XXXX, Dimand Law, and XXXX XXXX Consultant are running an deceptive STRONG ARM enterprise trying to strong arm XXXX and XXXX  people for credit cards that were a result of ID theft. All three parties need to be reported to the FTC immediately because all 3 are deceptive in nature. I clearly told XXXX at Dimand Law that I do not reside in the state of Illinois and gage pursued a lawsuit any way.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

Great Day I launched a dispute with all credit bureaus for the last 60 days about my closed Navient account trying to understanding all the inaccurate information that has been placed on my credit report. According to : XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported 120 days past due, but all the previous months is showing paid as agreed ok. there was no indication of 30 days, 60 days, 90 days noted on another report it indicated i was 90 days past due XX/XX/XXXX and XX/XX/XXXX XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported XXXX past due with no indication the previous month of a 30, 60, 90 days late pay and on the report it indicated i was 90 days past due XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : my account was open XX/XX/XXXX closed ( nothing reported as if its still open ) this particular report indicated that i was 180 days past due and again on the report the previous month indicated ok paying as agreed. and only show a XXXX past due XX/XX/XXXX All Disputes I have reported replied back to me accurate and nothing changed on my report nor was there an explanation. When I call Navient there was a discrepancy in what she explained and what has been reported on the late pays. I noted that my students loans appear to change hands often and by the time information is reported to me and payment information is determined I am thinking this is where the discrepancies are happening. to much selling of loans and not notifying the consumer sooner would eliminate this kind of frustration.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX The short sale package was faxed to PHH on XX/XX/XXXX/20. On XX/XX/XXXX they confirmed receipt of the package and said it was under review. We have called many times since then and have been told there were no updates. It has been over a month since they received the package. PHH is claiming they are having issues due to COVID. However, they have DONE NOTHING AT ALL IN OVER A MONTH. This is NOT acceptable.

I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point This is not a COVID issue we have been having these same issues on every file with PHH since last fall. PHH is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want the short sale reviewed and moved forward in a timely manner.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Social Finance, Inc. (CA)

A restriction was placed on my account over a year ago and I tried contacting the business several times and they werent helpful and only answer they been providing was that the account is under investigation untill a couple months ago I contacted them and they said the investigation has been completed and the account is being closed and any remaining fund in the account will be transferred to a external bank of my choice and they arviced someone will reach out to finish the proccess soon and help me transfer my money which is around {$6600.00}. Its been already a couple months and still no one has been reached out to me. i tried contacting them a few times but they just not being helpful and Im not sure what to do. I would like to request the business to contact me immediately and help me resolve the issue and transfer my money to my bank. It has been over a year already and any delay at this point is not acceptable.
Consumer complaint received 2019-05-17
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. (NY)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

Set up and linked, using the trial deposit method my XXXX XXXX and a XXXXXXXX XXXX attempted to transfer funds from XXXX, aka Webster bank  ) on XX/XX/XXXX, funds were flagged for review, next day, provided the requested documents via secure email, money was debited on XX/XX/XXXX and transfer stopped. XXXX does not answer their phone, on hold and then disconnects after 40 minutes repeatedly, secure email messages not responded to, and internal message system from the account are ignored This is in regards to an external transfer XXXX and additional verification. 

I did eventually speak with a CSR on a call back and asked for escalation to a supervisor, of course no supervisor responded, much like the secure email I responded to was not answered. The transfer amount was debited from my account but is just in limbo, the amount is {$10000.00}. Funds have been withdrawn but no transfer. 

At this point I just want to cancel this transfer, but am unable to reach this bank. Regardless of time of day, ridiculous hold times and then disconnected.
Consumer complaint received 2022-05-01
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. (TN)

On XX/XX/2022, I sent a letter to XXXX and Experian regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With XXXX, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With Experian, XXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day.

I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.
Consumer complaint received 2020-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: F.H. Cann & Associates, Inc. (VA)

I have called repeatedly the collection agency that my account is with and I havent received a response from them for the last 2 months! Dep of education is garnishing my paycheck during the month of XXXX, XXXX and as of today. Under the cares act this was not supposed to take place. As a result of this I am 3 months behind in rent and have not been able to live. Effective XX/XX/XXXX, dept of education is not supposed to be garnishing checks but they are still illegally ignoring the cares act and taking my money.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

The complaint concerns US Bank Credit Card. My mother passed away and I paid her final bill and realized she had unused points. On XX/XX/2020 I called the US Bank credit card customer service line and was told I could have the points transferred to my US Bank  credit card but first I needed to close the account and then needed to call them back once I closed the account. I was transferred to that department and closed the account. I called back and spoke to a different person in the customer service department and she told me that BECAUSE I closed the account, I could no longer transfer points. I spoke to a supervisor who told me if I immediately faxed in the papers which showed I was the executor of the estate which I did on XX/XX/XXXX. I called back on approximately XX/XX/XXXX and was told it was never received and further the account was in " collections ''. This could not be as there was ( is ) a XXXX balance. I asked for a supervisor. This person said the fax was received and it would be 5-7 business days before the points ( XXXX points- with a cash value of {$340.00} ) would be transferred to my account. I called again on XX/XX/XXXX as I received a letter saying they needed the executor papers. I spoke to a customer service agent and then asked for a supervisor. He said he found all the papers and that the points would be transferred within 7-10 business days- there would be no further problem. I called today XX/XX/XXXX and no one seems to have or know anything. I spoke to a supervisor and he said basically there is nothing he can do. I am on hold now to speak to the supervisor 's supervisor but I hold no hope of anything being resolved as now they are saying they have no record of any of this except my call on XX/XX/XXXX to check on this. I was told to cut up my mother 's credit card, which I unfortunately did and now I do not have her credit card number. What can I do? I have spent many many hours on this, doubled my frustration because I have lost my mother and now I am being told there is nothing anyone can do.
Consumer complaint received 2020-05-17
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. (TX)

I am writing this due to non-compliance with XXXX XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MS)

I had a credit card w XXXX XXXX for years, I got sick in 2017 which forced me to have 3 XXXX  2 major, one minor. Because of my illnesses I was XXXX I couldn't work which left me broke. I contacted XXXX XXXX and explained my situation, they told me that they had a hardship program for people like me and that when I initially received the card it was in the credit card contract agreement and that if I could verify my medical condition they would waive the debt so I sent them a 53 page medical report outlining all my Dr visits, Test, post op, pre op, procedures and surgeries. I received a letter from them about 6 weeks later ( that I still have a copy of that I'm including w this complaint ) basically saying they approved my hardship and waived my debt. Today I checked my credit report and they are still reporting it to the credit bureau negatively every month! I called them and they told me that were not going to take if off unless I pay the balance & they were rude as well, you would think w all this covid 19 pandemic they would be nicer and more coorperative
Consumer complaint received 2020-05-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}
Consumer complaint received 2020-05-15
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

Last year, I began pulling my own credit reports to make sure they were accurate. There were various errors across all 3 reports. Most of the major inaccuracies have been resolved except for these 2 pronounced issues regarding the Date of First Delinquency.

One account, is in collections with XXXX XXXX ( a credit card debt for XXXX XXXX ), and the other XXXX XXXX, has been paid in full after charge off and closed. For both of these accounts, I asked all 3 credit bureaus to provide me with my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date, and the name of the original furnisher who reported the date of first delinquency. 

I did not receive the requested information, instead TransUnion moved the XXXX deletion date from XXXX to XXXX Experian is still reporting XXXX and told me I need additional relevant information to support my claim for both accounts. I was not submitting a dispute, I only wanted the date of first delinquency and who reported it. To be fair, no response has been received from XXXX  as they still have time to respond. However, at at this point, with 2 incorrect and different dates, it tells me the XXXX date/account can not be verified, and the account has been re-aged. It doesn't really matter what XXXX   states if the other 2 conflict. And as for XXXX XXXX, there is no deletion date and no indication of the first date of delinquency, which is odd. Also, I've never been contacted from XXXX about this debt, but as a 2nd step would seek debt validation. 

I only wanted to obtain my consumer disclosure file to review for accuracy. In the past, my identity was stolen and it took several years to get the thief 's profile deleted from my credit reports ( her social, name, address, phone numbers, accounts, etc. ), and I had to hire an attorney to finally clear my name. So, please understand, I take my credit reports seriously and I want all information reported about in it to be accurate. Since I have not been granted access to the Date of First Delinquency to understand when these accounts were allegedly first reported as seriously past due, I am writing the CFPB.
Consumer complaint received 2020-05-15
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. (MD)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I went thru a loan modification, and have made all of the payments as instructed by Freedom Mortgage, which is reflected in my payment history. Freedome Mortgage did not apply the funds correctly, and left the account as delinquent. I called multiple times over 2 months and was assured it was an error on their part and that it would be corrected. Then when it went on my credit report again I called several times, and again I was told it was an error on their part and it would be rectified. As of today it still has not, but the payments were made on time per their instructions.
Consumer complaint received 2020-05-16
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. (TX)

Experian and XXXX Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. Experian ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction report?
Consumer complaint received 2020-05-15
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. (AR)

I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}
Consumer complaint received 2022-12-07
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. (MD)

On multiple occasions particularly XX/XX/XXXX and XX/XX/XXXX Experian provided unauthorized access to my credit report to a XXXX-party debt collecting law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm claimed to obtain the report as I had applied for an XXXX XXXX or Bank Account with them, an action that is false. The firm claimed to perform this action on the behalf of a company that was merged out of existence as of XX/XX/XXXX. The firm XXXX XXXX XXXX XXXX XXXXXXXX XXXX asked for permission to pull my credit report and was told NO by me in XX/XX/XXXX, prior to the company being merged out of existence. By law they should have obtained a XXXX XXXX XXXX 's permission to pull my credit report. 

It is clear the firm lacked permission to pull my credit report as they asked for permission from me and was told no. Fair Credit Reporting Act 15 U.S.C. 1681 be is clear that permissible purpose must be held to pull a consumer 's credit report. On examination of the company the firm claims is the authority to pull the report it is clear the company 's documentation doesn't support its legal existence and that XXXX XXXX would be the entity the firm pulled the consumers report for and the consumer has never had any contract or services from XXXX XXXX. 

On XX/XX/XXXX, when this fraudulent pull of my credit report first became viewable for me to see on my credit report notes, I immediately contacted Experian to inform them I never applied for credit from this law firm and asked how they were able to access my report without my expressed permission and as it is clear from my report, they are not a legitimate creditor. I was told by Experian that this is what the firm XXXX XXXX XXXX XXXX XXXX XXXX, entered into their account and that Experian did not enter or discuss this with the firm. When the firm was contacted to explain why they pulled my credit report illegally in this matter they stated that Experian told them to use this reasoning to pull my credit report. This is a breach of my credit data from an unauthorized firm and Experian appears to have failed to protect my data. I would like Experian to explain how this occurred and what remedy they offer. As this effected my credit scores and ability to borrow at the better interest rates.