davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
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. (MO)

I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through experian that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
Consumer complaint received 2018-06-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (FL)

XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company via certified mail and have received no response. I would like this company to remove collections reports from my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to Section 605C of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX. {$2000.00}
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased an XXXX coffee machine from XXXX XXXX online at XXXX XXXX XXXX on XX/XX/XXXX. It has now been over a year, and they have not delivered the product in the timeline they originally promised. I asked for a refund on XX/XX/XXXX, after numerous broken promises to me about the shipment date. They said they would issue a refund, but they did not. 

I contacted my bank, Bank of America, who says that I can not even dispute this debit card charge with them, because it's over a year old. 

Since XXXX XXXX XXXX failed to deliver their product to me in the original promised timeline, I asked for a refund. I should get a refund in full from XXXX XXXX XXXX or Bank of America should reverse the charge to my checking account. I no longer want the product, as I do not trust this company any longer.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I purchased XXXX XXXX uniforms online for {$290.00}. I called XXXX on XXXX and spoke with Customer Service Representative XXXX at XXXX XXXX  for approximately 4 minutes. I called for assistance regarding the multiple pending charges from XXXX XXXX on my checking account ( {$210.00}, {$81.00} and {$290.00}. XXXX ). The charge for {$81.00} had been refunded and I wanted and needed access to the {$210.00}. I was told that it should fall off in a day or two, but I could email customer service my bank statement showing the pending transactions. I emailed customer at XXXX XXXX  on XX/XX/XXXX. I received a reply email from XXXX XXXX informing me that I'd have to wait 1 to 5 days depending on my bank. I spoke with a USAA bank representative via chat on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), stating that I have to wait for the transaction to post and dispute or wait for the merchant to clear it and the pending transaction falls off. It's been a week or 5 business days since my funds have been withheld from me and I'd like USAA to clear the pending transaction.
Consumer complaint received 2018-06-05
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. (PA)

In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BYL Collection Services (NY)

I received a ding in my credit karma app saying I had a negative remark on my credit report. I had no idea what it was referring to and contacted the company to find out that I had an unpaid collection in the amount of {$53.00} that I was never billed for. It was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. 

I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call. Shocking! 


Having this item marked as Paid in Full after paying it is inaccurate as I was never billed for this item. I want to pay the bill and have it REMOVED from my credit report. This business is conducting FRAUDULENT BUSINESS PRACTICES by refusing to bill their customers and instead just leaving negative marks on their credit reports.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This morning, I was shocked to find inaccurate accounts listed on my credit report! I have no idea how this happened. I regularly check my report, but now there are discrepancies that just appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but nothing changed. Those inaccurate accounts are still there! Im urgently requesting that the documents I submitted be checked thoroughly so I can stop worrying about this situation.
Consumer complaint received 2018-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

Every other month Navient increases my account balance by {$2100.00}, then reports the increase as paid down 30 days after the original posting to my credit profile. When I contacted Navient for explanation the rep said that nothing was being reported on there end and they could not explain why this is happen. 
I need this resolved because it lowers my credit score by 10 points and I'm in the process of buy a home and this will impact my ability to get a home loan.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESMAC, INC. (FL)

Lender : Resmac INC NMLS # XXXX Resmac is marketing as XXXX and calling borrowers who are on Dot not call list. They are not setup operationally to check against the Do not call list and are not compliant with CFPB.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have recently looked at a copy of my credit reports from Experian, XXXX, and XXXX and noticed several inaccuracies on my reports. There are many different names and addresses that are inaccurate and I do not recognize. I asked for the agencies to update my reports with my accurate and current residential information as well as employment information and none of these have been removed. 

It is my understanding that you will investigate these reports for me to ensure the correct information is reflected on my accounts as this hurts my ability to verify my identity to obtain credit.
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

I had a previous complaint # XXXX and the response given was just a runaround that I have been hearing for months. I want a way to contact XXXX XXXX XXXX without going through AES.  There is no way to contact them directly, I would like their phone number.
Consumer complaint received 2018-02-03
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. (LA)

Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC. (TX)

Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect SOL is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on SOL in Texas.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phillips & Cohen Associates, Ltd. (FL)

A XXXX XXXX contacted our office and asked for ( head attorney ). I asked what is was in reference to, he said ( name of decedent ). ( Our office was indeed the law firm of record for the named decedent. ) I told him the attorney was unavailable and he left an ext. of XXXX and reference # XXXX. I identified myself and he pressed me for confidential details of the decedent : SSN, DoB, DoD etc. I told him I would not divulge any of that information and he became angry and combative. I told him to have a nice day and hung up. 

Abusive and intentionally vague to the point of being disingenuous ( and I'm being polite ). Someone not working in a law firm may not be familiar enough with their rights and be bullied into providing these cretins with confidential information. Worse, they could be forced into settlement with a creditor to the detriment of the probate estate and, quite possibly, unintentionally breach their fiduciary duty to the beneficiaries of the decedent.
Consumer complaint received 2018-05-10
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. (CA)

Equifax and XXXX both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to Equifax by fax and received a confirmation that it went through, they're claiming they have not received it. XXXX  provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers Equifax # XXXX XXXX  # XXXX
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Selene Finance LP (NC)

On XX/XX/XXXX I filed a complaint with CFPB against my mortgage company Selene Finance for incorrectly reporting to the credit bureaus that I was 30 days delinquent on my XX/XX/XXXX payment, 60 days delinquent on my XX/XX/XXXX payment and 30 days delinquent on my XX/XX/XXXX payment. After filing this complaint with CFPB they contacted my mortgage linder for them to investigate my complaint ( which they would not have done had it not been for CFPB ). I have never been late on my mortgage payment and was not late when I entered into an informal Repayment Plan for three months to avoid being delinquent due to XXXX and being out of work. Selene Finance discovered they made an error and they confirmed that they incorrectly reported this information to the credit bureau. I received a letter of apology from Selene Finance with a promise to correct their mistake and have the credit bureaus to remove these delinquent payments from my credit report but after todays date they have not. Today I called them and was told I was three months behind and I broke the Repayment Agreement. This is not true at all. I made the last payment under this agreement XX/XX/XXXX and and was never late. CFPB Case number XXXX, Account number XXXX. Please assist me in getting this resolved. I will include a copy of the letter they sent me. 

Thank you
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Received a postcard that offered XXXX XXXX miles if I signed up for a Gold American Express card. I applied and received the card XX/XX/XXXX. 

When I had not received the bonus miles by XX/XX/XXXX I called the company and was told that the offer did not apply to anyone who had previously had an American Express card ( I last had a card in XX/XX/XXXX ). 

There was nothing in the advertised offer that said kings x if you had a card three years ago. Therefore, extremely misleading.
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

On XX/XX/2018 I sent a l sent a debt validation letter to XXXX XXXX XXXX   requesting that they validate the alleged debt. I received an itemized billing statement which didn't verify the debt. I have included both the document that I sent and the document that was sent to me.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (TX)

I received a letter from LTD Financial Services Limited Partnership, XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, to collect {$210.00}. The creditor XXXX XXXX XXXX pertains to my residence XXXX XXXX  XXXX XXXX, Texas, where I lived from XX/XX/XXXX - XX/XX/XXXX. 

When I moved out in XX/XX/XXXX, I turned in my keys with no balance in my account. 2-3 months later after I moved out, the XXXX contacted me and said I have a balance due. I requested email or other forms of communication of detailing the debt because there was no balance when I turned in my keys. They never provided the information and then, I received this notice from LTD Financial Services, a debt collector. 

The creditor is threatening that a negative credit report reflecting on my credit record may be submitted to a credit report agency if I fail to fulfill the terms. First, of all I was never notified or received any type of communication of monies owed when I moved out. I called repeatedly and ask to speak to management. But, I never received it. And then, I receive this letter from LTD Financial Services.

First of all, why should I pay a debt I never received any information about? I have tried to get information from them and never received anything. And now, I have LTD sending me a letter threatening to put negative information on my credit report. I have no problem paying the debt if in fact it is mine, but I have yet to receive any information from property management pertaining to this debt. Please help! 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MO)

I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive