davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle. 

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (PA)

Unable to use funds on my visa gift card. Called customer service, the company representative reported that my funds were stolen. I spoke to 2 different people on the phone, unable to get a clear answer about my claim.
Consumer complaint received 2024-12-09
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (IL)

XX/XX/year> I received in the mail a Netspend XXXX XXXX XXXX XXXX XXXXXXXX that I had not requested. I search the internet and found a phone # XXXX & tried to cancel on-line, when I put the number in it stated that the account has already been activated. 

I have never heard of this company & would to like to report this a identity theft
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (ME)

The company, Credit Corp Solutions is calling me at my home multiple times per day even after I speak with them. I have told them multiple times Ive lost my job, I have nothing/no ability to pay them in every spare dollar I have are going to essential needs. I have explained the situation to them repeatedly and I understand that they will periodically want to call. But they have increased their calls as if to attempt to harass me and are now telling me causal stop if I Simply commit to an agreement with them. They are a collector and not a company I have engage with for business. They say they represent my credit card company but have provided me with no proof of that. They are increasing my XXXX my phone will not stop ringing with their calls and when I block the numbers they called from new numbers.
Consumer complaint received 2021-01-22
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. (FL)

I have provided information to XXXX and Experian regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my TransUnion report to XXXX and Experian to follow suit so that my credit report is the same across all XXXX credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to Experian and XXXX for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.
Consumer complaint received 2024-12-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION (NY)

1. When my mortgage was originated in XXXX of XXXX, I was given the option to pay my insurance binder out of pocket, which I did. Come to find out, when my escrow reconciliation was completed in XXXX of XXXX, it came to my attention that the originating lender had collected for this at closing and held the amount the entire year. I was provided with no explanation other than a huge, atypical escrow reconciliation, but the reconciliation still required me to pay more per month- which made no sense. This resulted in the loss of the ability to use this money for any other purpose and caused me and my household financial distress, loss of interest income, among other harms. 

2. In XXXX of XXXX I requested an analysis of my loan account for the removal of PMI. After confusingly navigating the chatbot, having a human step into the chat, and providing me the purported channel to do so, I timely provided the email request along with a narrative of the substantial capital improvements I have conducted since acquisition. However, I then received a letter dated XX/XX/XXXX which stated : " The mortgage insurance is for the life of the loan and is part of the required payment amount. '' This letter made no sense to me since I premised closing this loan on removing the PMI after the house increased in value or my loan had been sufficiently paid for removal of PMI. If this is true, as the letter states, I would have simply put more money down or, more importantly, chosen a different loan product. Now I feel stuck with a product that was not explained to me prior to or at closing ( nor covered by am disclosure whatsoever ) and am requesting removal of PMI and/or monetary compensation to offset what I should no longer be paying.
Consumer complaint received 2022-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 bank of America withdrew from my checking account the amount of {$10000.00} instead of the amount of {$170.00} thru electronically payment. 
On XXXX after I notice the error ( my checking account was minus ) I call BOA and made aware of the error. 
They acknowledged it and was told they will return the monies back to account within 5-6 days. After 10 days I called because they had not done so, and was told that had not done the return because of bank regulations, today I called again and again I got the roundabout and this time I was told that I'll my money within 5-6 more days, ( already they have my money 14 days and the possibility of not getting it back even now ) is very possible. In the mean time it cost me over {$200.00} in return and late fees for checks that already had gone out!
Consumer complaint received 2022-09-21
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$31.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; If Equifax and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Corp is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX  shows the account is in collections. XXXX  and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date credit acceptance opened is XX/XX/XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Consumer complaint received 2022-09-21
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: Nelnet, Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 

DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 31
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I received a loan modification offer from Select Portfolio. I had until XX/XX/22 to send in the sign agreement. Since I had been struggling to pay my mortgage due to income reduction for quite sometime, I was forced to file XXXX  XXXX. While trying to pay a mortgage and an extremely high Trustee payment I took a part time job which ended due to Covid 19. I was finally told I could enter a forbearance. Later I was given the modification. As of today my account hasnt been updated. I called to speak with a mgr and I was told that the information that I sent in signed and notarized was incomplete. After calling numerous times and getting the runaround, XXXX months later and no contact from sps, finally to let me know that a page hadnt been notarized. I have to do this all over again and pay again to send it to them. When I asked why no one had contacted me about this, she could not give me an answer. In the meantime my attorney & The Trustee are asking for the paperwork from them. This company has representatives that you can talk to on the same day and each one will tell you something different! I have been back and forth with Select Portfolio for years just to ask something simple and they tell you what they think will get you off the phone quickly. The handling of this is very unprofessional. I asked about the mortgage payments that I had been sending. At first she only saw the one I sent in XXXX. She finally found the one I sent on XX/XX/XXXX, but never answered my question whether it went toward the modification agreement terms. When I go online it shows that they are updating my file and had received my signed agreement. I just dont understand how they just get away with this!
Consumer complaint received 2021-01-22
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: SYNCHRONY FINANCIAL (TX)

I have tried to fix this issue with SYNCB/CARE CREDIT for over a year and they will not correct this error. They have an account attached to my credit report that is not mine. This is my ex-husband 's XXXX XXXX - many years ago he added me as an authorized user but that was closed upon our separation. 

As well, legally the debt and/or credit card is under his name and as a user this is illegal to add to my credit report. I have requested them to take this off my credit reports for over a year with 6 documented written requests. 

This is not my debt. 
This is not my credit card. 
This needs to be removed immediately from all three of the credit reporting agencies immediately.
Consumer complaint received 2022-09-21
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late from reporting on this account. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX1978 XXXX $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Someone opened a checking account and linked it to my savings account without me knowing and began transferring thousands of dollars ( usually in increments of {$1000.00} to {$3000.00} ) at a time to the checking and withdrawing all my money within the span of a couple of weeks in XX/XX/2021, my account was completely emptied ( {$75000.00} ). I had this account for several years and I only used this account to save my money ( for my retirement ) so there were not many transactions until this happened and most transactions were deposits.
Consumer complaint received 2022-11-16
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: Affirm Holdings, Inc (GA)

Ive reached out to XXXX and Affirm regarding a balance Ive been trying to pay since 2018. Every time I call Affirm Im told theres no balance but XXXX is reporting I owe {$100.00}. I have asked XXXX on many occasions to remove this account and they have failed to do so. I just called Affirm this evening and spoke with XXXX she stated theres no balance on the account I said according to XXXX I owe {$100.00}. I said please let me pay this so this account can be zeroed out and removed from my credit report. This creditor is refusing to accept payment and XXXX is refusing to remove this account. Its been over 5 years Ive been trying to get this cleared. Just removed the account you are reporting an account with no balance per Affirm. I have XXXX saved phone recording and conversation with Affirm. If XXXX doesnt remove this account Im taking legal actions this is ridiculous. This violates the Fair Credit Reporting Act. Come on now
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

Attempting to collect on an alleged debt for the amount of {$1200.00}, which is 4 years old. The Texas Statue of Limitations are 4 years. Please remove alleged debt from my credit. Thank you
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to XXXX XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (AZ)

Experian reporting agency. I disputed 2 accounts that came up on my report that were about XXXX years old and never showed up until Now and apparently were purchased by the company XXXX XXXX XXXX The account apparently is under XXXX XXXX It is reporting under my name as XXXX XXXX. In addition to this it is not showing what its for or how much and the amounts differ greatly by the original lender ( in this case being told its medical ). There are two accounts apparently and the amounts have increased significantly. Its not my debt.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (MI)

Around XX/XX/22 I received a telephone call from a debt collector to collect a debt that I was not aware of I asked if they can send me proof well they sent me on XXXX a loan agreement promissory note followed by truth in lending that I never received ever until XX/XX/22. So I wrote them a letter for more details on this debt claimed I owe and I havent heard from them yet. This has been harming my credit badly. I also seen comments on my credit report but after I sent the letter I seen that the comments has been removed but this company remains on my consumer report. I would like this debt discharge and deleted off of my credit asap. Thank you