davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I made a purchase through tourism company called XXXX XXXX on XX/XX/2020 and XX/XX/2020. With a total of XXXX. I asked the bank to dispute the charges as the merchandise is not returning my money. I tried to call the merchandise multiple times but he is not answering. I sought the help from Chase but they did not help at all to dispute the claim
Consumer complaint received 2023-02-01
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have been a Navy Federal Credit Union member since I opened my first account in XXXX. The account was a checking account ending in XXXX. My spouse at the time was added as a joint owner. In XXXX we were divorced and he was removed from my account. I provided NFCU with the divorce agreement. A few months later money was taken out of my account using an ATM by my ex spouse. I went into NFCU and informed them of the withdrawal and they apologized and said it was an error but I was out the money. I did provide a copy of our divorce agreement again. As a result I opened another checking account and sparingly use the XXXX account and keep a minimal amount of money in it. 

On XX/XX/XXXX I was online and viewing my accounts and noticed XXXX was transferred to a credit card from my account ending in XXXX. I contacted NFCU about this and was told the money was transferred to my ex spouse - XXXX XXXX XXXX to his credit card to pay his minimum payment. I requested more information about this and was sent a document that listed all withdrawals from my account that went to XXXX XXXX XXXX XXXX credit card account with NFCU from XXXX totalling XXXX. I didnt notice these withdrawals sooner as I did not receive paper statements and when I would check online I did not see any suspicious withdrawals until XX/XX/XXXX. Money has not been taken out monthly or consistently, only when he did not make his minimum payment. as I mentioned I used this account sparingly, it was not my main account. 

I did request from NFCU to be reimbursed for the money taken from my account and they said it was not their error but mine for not addressing this sooner. So I asked for the XXXX taken on XX/XX/XXXX as I reported this to NFCU on XX/XX/XXXX but was told all they could do was to stop any further withdrawals. I have since closed this account. I was assured in XXXX after money was taken out of my account without my authorization this would not happen again. 

I was told the money taken out to cover the minimum NFCU credit card payment was set up in XXXX. I did not receive any documents showing the withdrawals prior to XX/XX/XXXX. I am not able to see this online. I did request more information about this situation and specifically have asked to be sent a copy of the document that I authorized money to be taken from my account to cover my ex spouses NFCU credit card. I have not received that document or any information as to how this was established. 

What I want : for NFCU to return to me all monies that was taken from my account and transferred to XXXX XXXX XXXX 's NFCU credit card.
Consumer complaint received 2021-11-01
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. (FL)

On XX/XX/21 Experian was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Experian failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Experian a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 12 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Experian nor did I receive and update on the adverse items that should have been excluded from my consumer report.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (FL)

I have made numerous dispute complaintns via credit bureaus to the company but it has been fruitless. having trying for XXXX XXXX XXXX oroginal creditor was SW CRDT SYS the date open they have it as XX/XX/XXXX but that is not correct they updated the date it was opened late XXXX begining XXXX the reason for the charges was a piece of equipment that is attached to the tv dish in the roof, they told me I need to go up in the roof and removed the parts with is in the center of the tv dish I told them I have back issues and cant expose myself like that and if they can send a technician to remove the part they told me they check but never heard anything from them anymore until it show up in my credit report in XX/XX/XXXX about a year and half later since then I wrote numerous dispute in the creedit bureaus to try and get it remove but they blocking me. 

ACCOUNT NUMBER XXXX HIGHEST BALANCE {$230.00} CREDITOR INFO SW CRDT SYS XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/XXXX ORIGINAL CREDITOR XXXX XXXX XXXX  RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Violation of bankruptcy laws- XXXX XXXX XXXX continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CT)

XXXX XXXX signed up for auto pay and received a confirmation text to confirm my request was received XXXX XXXX received text to confirm that my mortgage was received with conf. # XXXX XXXX XXXX received a letter in the mail saying our mortgage was past due and not paid for XXXX. Immediately submitted another payment as customer service was closed due to it being a weekend day. 

XXXX XXXX received confirmation text saying payment was received with conf. # XXXX - Called NewRez customer service to discuss what had happened. Person we spoke with said that the payment did not clear when it was attempted to be taken out on XXXX due to bank routing error. Representative assured me that other payment we just made did clear and we WERE NOT late as it was only day XXXX and payments past 30 days were late according to their policy. I specifically asked about credit reporting. She said that it WOULD NOT be reported to the credit bureau as again it was not 30 days late. 

XXXX XXXX text saying mortgage payment received with confirmation # XXXX XXXX XXXX alert from my credit app that my mortgage was reported at past 30 days late. Immediately filed a dispute with NewRez. 

XXXX XXXX text saying that my reoccurring payment was received but not confirmation #. Called NewRez to look into the credit dispute. They claim no issues and they are accurate.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I requested a PPP loan. In so doing, I represented that I had payroll and 1099 documents supporting a loan request because at the time I specified my loan request, I understood that 1099 payments were also the basis for a forgivable PPP loan. I was given money that was based on the documents I was asked for and provided correctly. In asking for documents and approving a loan based on documents that did qualify and then disallowing the rules and regulations to protect my loan and rights, Bank of America operated in a fraudulent and negligent manner. 

BofA did not act in good faith. It did not perform a good faith review of the calculations or of the uploaded payroll documents. If it had, it would not have issued an unforgivable loan based on uploaded 1099s rather than uploaded payroll payments.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

This company is very unethical and is the payday lender of credit card issuers. They have repeatedly reported late payments on my credit report and add ridiculous fees making it impossible to pay them off. Their website is often down also and therefore if you can not make a payment due to it being down, they will report you to the bureaus again and again. Also I've made payments and not received proper credit for them. For example I made a {$200.00} payment last week that I still did not receive credit for. They have severely impacted my credit. I need to be able to refinance my house and use proceeds to pay medical bills but because of their high fees and bad credit reporting they are making it very difficult to do so. Please remove the negative late payments with all 3 credit bureaus. 

Prior to getting this card I should have read reviews because they have done the same thing to several other customers. 

Thank you,
Consumer complaint received 2021-07-13
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. (PA)

Under the FCRA XXXX, Experian, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.
Consumer complaint received 2021-11-01
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)

LETTER OF INTENT TO SUE Effective Date : XX/XX/2021 RE : Notice of Intent to File Lawsuit This letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a civil lawsuit against EXPERIAN due to the following : Inaccurate and invalidated credit reporting, resulting in multiple violations under the Fair Credit Reporting Act ( 15 USC Chapter 41 ), defamation of character, publicly publishing rude and obscene language in regards to XXXX XXXX XXXX and invalidated debt without consent. 
I. The Plaintiff. XXXX XXXX XXXX ( the Plaintiff ).

II. The Defendant. EXPERIAN ( the Defendant ).

III. Settlement Demand. As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX dollars ( {$4000.00} ) due to the multiple violations committed by EXPERIAN under the FCRA, along with removal of all previously stated inaccurate accounts being reported on XXXX XXXX XXXX credit report. Notice of fault, notice of default, and an invoice have all been sent to EXPERIAN per previous certified mailings. A copy of the unpaid invoice is attached to this letter. This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for thirty ( 30 ) days from the Effective Date.

IV. Governing Law. This Letter of Intent shall be governed under the laws of the State of California and the Federal Laws of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
If legal proceedings are commenced against you and you are unsuccessful in defending the claim, you should be aware the Court may order you to pay the costs of legal proceedings.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

SMITH ROUCHON has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier. 

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day. 

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed. 

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it. 

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. But during that conversation, they once again confirmed that I paid everything that needed to be paid. 

In none of those conversations was anything mentioned about an extra balance, or even the possibility of us owing any more money. They SPECIFICALLY confirmed in conversation 2 of 3 that my balance was {$0.00}. Then they began sending emails demanding {$360.00}. I called to find out what was going on and why they were claiming I had a balance even though they confirmed there was no balance, the account was closed, and that no more money was owed without informing me of any kind of possibility of extra charges. The person I spoke with said they would raise the issue with their supervisor. I thought that was the last I would hear from them. But they continued sending emails and then they got a collection agency involved, which is now impacting my stellar credit score. 

I contacted Convergent, which is apparently the collection company XXXX is using . They asked for my side of the story, then within days said, " Nope, you lose. Pay XXXX. '' I have had zero insight into what kind of information they used to determine that I owe XXXX anything further, and there has been zero transparency into the process.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (TX)

I sent a letter to these Equifax on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. ( PLEASE SEE ATTACHED LETTERS SENT TO EQUIFAX, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OK)

On XX/XX/2021 I realized my Bluebird by American Express account balance was depleted this is the account where my paycheck is direct deposited every pay. I logged onto my online account and noticed charges were made that werent mine I immediately called customer service and disputed the charges I was sent a declaration of fraud which I did complete and send back to American Express bluebird several weeks went by without funds in my account and I heard back thatThat the charges werent unauthorized and I would not be getting any restitution however the charges were unauthorized I did not make the charges and I am out money from my work paycheck and it has caused a major life struggle
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today I am writing to you in regards to my Bank of America Account # XXXX. 
I paid off my account in full in XX/XX/2021. As far as I knew this account had no balance. It seems that interest was put onto the account after the payment was made. I was unaware that any balance remained and only became aware of the issue when I applied for a home loan. A late pay showed up in XX/XX/2021. This is impacting the ability to close on my home.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CT)

Hello, I am an unsatisfied customer who I applied for a refinance loan in XX/XX/2021. All went well and I was approved until XX/XX/2021 when the loan officer XXXX XXXX called me in regards to my credit report where another report showed on my credit report in which I was paying and I told her that. I had already been approved by XXXX XXXX, Production Manager for the loan. Not understanding the problem since my credit score is almost XXXX but actually my biggest complaint is that I never heard from the company again in regards to being approved or denied. This is no way to handle customers and I am very upset with this result. I plan on reporting this to the XXXX XXXX to let other people who apply at this financial company how they take care of their customers. Not good customer service. I could have at least received a phone call or a letter in regards to my application.