davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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: DISCOVER BANK (CA)

I made a purchase for {$3900.00} on XX/XX/XXXX to XXXX XXXX, which was going bankrupt around the time of my purchase. I was informed in XXXX of XXXX that my purchase : " During XXXX, XXXX XXXX XXXX XXXX became unable to place orders with vendors due to the inability to pay. Production of your order had not been started with the manufacturer. Currently, this order will not be able to be fulfilled. '' In XXXX, I tried filing a dispute with my credit card company, Discover, because we spent the money and will not be receiving the product we ordered. After a month of waiting, I was told we didn't have the correct documentation to approve the dispute in our favor. The Discover employees said I need proof that XXXX XXXX said they would refund me and haven't, but XXXX XXXX has never said that. However, they have taken my money and not provided the product I ordered. There have been numerous people in the same situation who used a different credit card company and were given their money back by the company after their dispute.
Consumer complaint received 2023-05-19
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. (VA)

I have a XXXX  XXXX account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and Im unable to pay it.
Consumer complaint received 2023-05-19
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: Lakeside Recovery Solutions (UT)

On Tuesday I was doing a bank transaction for a personal loan and the official told me that he had a collection account from a rental company, which I did not recognize, I took the company 's information and called the next day, and they informed me that It was about a rental in the city of Texas, where I have never lived, according to the information I am XXXX XXXX XXXX, and they used my second last name ( XXXX ) account that I do not recognize in this claim I request that it be removed from my Credit Report in all companies that report, since I need to have my clean history for future transactions.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I observed inaccurate informations that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Consumer complaint received 2023-05-19
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: Professional Debt Mediation, Inc. (GA)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

Company stated that it would provide a detailed information in its response about this debt but there was no information at all that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violates my consumer rights. 
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law. 
I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On XXXX XXXX, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CT)

In XX/XX/XXXX, I made an unfortunate decision to open a self-credit building account, which required me to pay a monthly fee along with a certain amount. The purpose was for them to report this activity to my credit history and eventually refund me the amount I paid after 12 months. However, unbeknownst to me, in XX/XX/XXXX, they opened a credit card under the same account without my knowledge or consent. To make matters worse, they deducted approximately {$200.00} from my protected loan without my permission and transferred it to this unauthorized credit card. Additionally, they charged me a yearly fee of {$25.00} without my prior knowledge. I remained unaware of these actions until XXXX when I discovered a late payment on my credit report, resulting from the non-payment of the dues on this unexpected credit card. 

It is important to note that they wrongfully took money from me without my consent, as I had not been informed or involved in these transactions. I have documented my interactions with them while attempting to have this account removed from all three credit bureaus. If they fail to rectify the situation by removing this account from my credit report, I will be left with no choice but to pursue legal action against them. I believe I have grounds for several legal claims, including Unauthorized account opening : ( They opened a credit card without my consent or knowledge, which is a violation of consumer protection laws. ) Unauthorized deduction : ( They took around {$200.00} from my protected loan without obtaining my permission, which constitutes unauthorized access to my funds. ) Hidden fees : ( They charged me a yearly fee of {$25.00} without disclosing it upfront or obtaining my consent, which is deceptive and unfair business practice. ) Credit reporting negligence : ( Their failure to inform me about the credit card and subsequent non-payment resulted in a late payment appearing on my credit report, potentially causing damage to my creditworthiness. ) Again I have meticulously documented my interactions with them in an effort to resolve this matter. However, if they do not take immediate action to remove the account and rectify the damage caused, I will proceed with legal action to seek compensation for the harm, inconvenience, and potential financial losses I have suffered due to their misconduct.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I contacted XXXX nexus concerning information reporting incorrectly to XXXX regarding public records. They need remove this information asap and correct my file. Filing date and reference number for bankruptcy is incorrect and the reporting is no longer valid as sure of limitation has expired
Consumer complaint received 2016-09-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

{$3000.00} worth of CD 's purchased at Bank of America in 2005. We have the certificates and the receipt showing the transaction. BOA now says they ca n't redeem them because they purge their records, and this money must have been sent as Abandoned Property to the state of Florida. Contacted the fltreasurehunt.org, both online and by phone. They have nothing under either our son 's name or mine ( custodian, as son was a minor ). Called the FDIC, who instructed me to contact you. NOTE : When he turned XXXX, XXXX legally changed his name to XXXX XXXX XXXX. We searched the florida abandoned property under both names, as well as mine.
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I applied for an XXXX XXXX XXXX plan and I received a determination with all the pertinent info including a monthly payment of {$75.00}. It was an email to log on into Navient account website which I did and there I found all the information. I was out of town working at the time so I could n't copy it and get it into my computer to keep a record of it. I never recieved anything further from Navient until this month notifying me I am behind in payments. I went back to my Navient account page and the determination was gone and there was no change of payment, Navient saying I was behind at the rate of almost {$500.00} a month. There is also no record of the XXXX plan. I tried emailing them in response to their behind-in-payment email but they will not accept it. So now I am right back where I began last fall when I applied in the first place.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I called several departments within Nationstar Mortgage ( Mr. Cooper ), with respect to my escrow for a secondary policy on my condominium. 

I was advised that my escrow would be cancelled for my individual condo insurance policy because I did not wish to renew it. Then another rep told me it was required. I requested written proof that it is a condition of my mortgage. They provided me my note and no such statement was found in the note. I called again and they insisted it was required, but refused to provide me proof, and refused to transfer me to supervisors repeatedly. 

Now they intend to cancel my escrow and force place a policy on my mortgage ( no doubt at an inflated rate with a kickback as a reward ). Their utter lack of cooperation leaves me convinced this is a criminal operation. 

They told me the " research '' department could provide written proof of such a requirement. I requested that proof, and a confirmed response that it would be provided, and the document that it would be contained in. Nothing has come back from them and this group does not accept incoming calls. 

This organization is likely engaging in racketeering-like criminal behavior and an investigation should be launched.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (FL)

I opened an online account with Axos Bank depositing {$200000.00} on XX/XX/23 to a money market account. 

On XX/XX/23 I entered a secure message asking why my balance wasn't showing up yet. I followed up that secure message on XX/XX/23 asking for a reply. I never got a reply. 

On XX/XX/23 I sent another secure message with 3 screenshots. The screenshots show that two account with the same account number were showing on the website. Both showed XXXX balance. They also showed that there was an available balance once selected, but didn't show on the main screen. On XX/XX/23 I got a reply saying the balances were showing up now, but did not address the issue of two accounts, with the same account number, showing up. I replied on XX/XX/23 asking did you see the screenshots and why are there 2 accounts showing? They replied on XX/XX/23 stating they had forwarded this to the appropriate department and you will receive an update on your concern within 24-48 hours. 

On XX/XX/23 I sent wire transfer request, per the pdf instructions to XXXX. I almost immediately received a reply that they no longer accepted these requests via email and that I need to upload the document in the secure area of their website. When I tried to upload the document as they described, neither account showed up in the " from account '' drop box to initiate the wire transfer. I called the support line on XX/XX/23 and was told that I needed to submit an online request for help. I told them that 17 days ago I was told they would fix the previous issue in 24-48 hours and that their online requests aren't timely. The representative then put me on hold and when he came back he told me that he had forwarded the request on to a separate department to get fixed. 

Bottom line is that they aren't fixing things and I can not get my money out.
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

VERY ABUSIVE caller, refuses to stop calling my phone, and the person they are looking for is NOT me. I have tried to ask, and asked for a manager, no response ... they are EXTREMELY abusive and threatening
Consumer complaint received 2023-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

XXXX  home mortgage loan from wells Fargo. 
XXXX I had some legal issues that required me to spend some time incarcerated. 
I wrote wells Fargo a certified letter from the county jail asking to modify my loan as I would be integrated for a while. I had my wife call numerous times just to be told they couldn't discuss my loan with her since she wasn't on loan. My wife couldn't afford to pay the whole mortgage as she was a home maker and I the bread winner. She had to move out and when I got out I had lost everything. House, cars, my family. I have been homeless ever since with a few places I have rented since. This foreclosure killed me, my credit and my stability. Had they just worked with me to stop this foreclosure my life would be a lot different today. I purchased this home in XXXX at XXXX $ it's now valued at XXXX XXXX I believe that's half a XXXX dollars on damages.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : XXXX, XXXX : XXXX, XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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. (OH)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX {$11000.00}
Consumer complaint received 2023-05-19
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: MoneyLion Inc. (GA)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

A young lady with my first name was sharing my account with me not sure how she was able to use my account without chase being able to catch her and unfortunately for me she was collecting my paychecks from my partime job for over 6 months and I am now out of almost {$10000.00} I have tried to resolve this issue with chase but to no avail, I need my money to pay my bills and to take care of my family please help me catch this criminal.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (KY)

The company affirm has my information being used by someone who isnt me. I have no access to this account. My social is being used and because I cant verify my identity through the email the fraud is being committed under or phone number they arent resolving it. I want the account closed. First attempt they ran me in circles providing my email and phone number over and over and hung up when I asked for a supervisor. Someone is using my social security number within their system and they will do NOTHING. SECOND ATTEMPT I was placed on hold and left ignored.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.