davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc. (NY)

I applied for a Commenity Bank/XXXXVISA balance transfer on XX/XX/2017 for {$6100.00} to my XXXX XXXX account. Commenity Bank/XXXXVISA charged my account the {$6100.00} plus a transfer fee immediately but till this date has not made the balance transfer. I have called them on so many occasions. I have heard stories from Commenity Bank/XXXXVISA that the transfer takes up to 60 day to just recently, the check for the transfer was sent out and cashed. My XXXX XXXX account still has not received any transfer. Now I have the amount of the balance transfer showing up as additional debt on my credit report which has negatively affected it and I 'm paying for a transfer that was never made. I already told them I do n't want the transfer anymore. Please help.
Consumer complaint received 2023-05-09
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. (NY)

I sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of XXXX.
Consumer complaint received 2023-05-09
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. (NV)

Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST HOME MORTGAGE CORPORATION (RI)

I requested and was approved for forbearance with First Home Mortgage starting XX/XX/XXXX until XX/XX/XXXX but they still processed a payment from of my checking account on XX/XX/XXXX. This payment caused my checking account to go negative and incur overdraft fees ; as a result of a depleted account automatic payments for my HOA fees, credit cards, and utilities payments were returned. I can supply bank statements upon your review. 

I've had multiple discussion with both their Customer Service and Loss Mitigation teams and was told that a refund will take 7-10 business days ; one month later and I've yet to receive the refund. 

Their incompetency, negligence, and/or outright refusal to resolve the issue has caused further financial hardship for me and I'm considering legal actions.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX sold my credit card balance to a debt buyer XXXX, whom I immediately paid. Subsequently, XXXX purged the account history from my XXXX and XXXX credit reports, but left it in my experience as unpaid. It is impacting my ability to get a car loan and refinance my high interest debt. 
I believe XXXX should remove the account from my experience credit report as they did with the other XXXX bureaus because there is now way to retroactively represent what actually took place and the current reporting data is not correct.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We banked with Wells Fargo for many years, and one day, for no reason they closed all of our accounts, including our children 's bank accounts. We are ordinary hard working professionals and we think that this is a case of discrimination against our family. We requested that they re-consider this decision twice, but they did not do that and they did not provide us with any explanation, siting that they don't have to, based on some legal fine line language on the agreement, which we signed. There has been no reason for them to close our accounts, other than discrimination. We know that they have done this with others with similar situation. These account closures have interrupted our lives and it has brought about a tremendous burden and lost of time and it has brought humiliation to our entire family.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian has a Dismissed Bankruptcy on my credit report, which is a violation Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Additionally, the following accounts are still listed as a bankruptcy when there was no bankruptcy on my report. All these accounts are being reported inaccurately and need to be removed immediately : XXXX 
XXXX 
XXXX 
XXXX
Consumer complaint received 2023-05-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: M1 Holdings Inc. (OK)

On XXXX XXXX, 2023, I received an email from M1.com welcoming me to my new platform and asking me to verify my email address. I did not open this account or request any profile creation. On XX/XX/2023, I emailed help@m1.com alerting them to the fraud and unauthorized product enrollment and received a confirmation email with request ID # XXXX. I am still waiting to hear back from M1 Finance, LLC. I asked that any accounts in my name be closed, and they investigate the fraud. I continue to get automated emails from M1 Finance, LLC, asking to verify my email and other automated marketing communications.
Consumer complaint received 2023-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

There is an inaccurate collection on my credit report. I sent a DEBT VALIDATION AND VERIFICATION REQUEST to T.C.S on XX/XX/23 via certified mail. I have not received the requested information at the time of writing this. The account is now showing as closed as of XX/XX/23
Consumer complaint received 2023-05-08
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. (CO)

I have 97 fraudulent hard inquiries on my credit report. That I XXXX XXXX XXXX never gave consent to. I want proof in writing of these 97 hard inquiries. I have no knowledge of these. I have explained that to all 3 credit agencies. So i need proof in writing of the consent or will seek legal remedies. All 97 are fraudulent
Consumer complaint received 2023-05-08
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. (IL)

On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts.

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.
Consumer complaint received 2023-05-09
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. (OH)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$600.00} XXXX XX/XX/2022
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IA)

In XX/XX/XXXX  I switched Auto Insurance companies from XXXX XXXX to XXXX. The reason I switched of course was for a better deal. I paid XXXX {$150.00} XX/XX/. I stopped autopay to XXXX XXXX. I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Phone XXXX stating As of XX/XX/XXXX  I owed XXXX XXXX  {$150.00} The letter stated I could call to dispute the debt. I did and the rep just said I owed it but I can send in documentation to dispute it. I asked what will they do with the documentation he said send it to XXXX XXXX. The also threatened to report adverse credit on me if I don't pay it. This isn't right insurance companies are not credit lenders, they offer a service and you have to pay up front to obtain coverage. If I switch now I owe you, that's outrageous and has to be illegal. Can someone with some authority tell these boys to back off XXXX XXXX Account Number XXXX
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

After receive a default judgement from this company on XX/XX/XXXX, I started to do some research and found that the company has filed several small claims law suits on me without proper notification. I recently sent the company a debt validation request and the information that I received was not the proof of evidence that I requested. I request for the company to send me a signed contract or agreement bearing my signature indicating that I agreed to make payment to them or I even owe the debt. However, I did not receive the documentation I requested. I was sent credit card statements instead. 

What is more disturbing is I found a court document on XXXX Co. Clerk of Courts website with a signature forgery. I didn't signed this document and has never seen it before XX/XX/XXXX. Nevertheless, someone signed my name to the document and filed it with a court of law. This company has committed fraud against me and I will be filling a complaint with the XXXX  and the Office of Attorney General. I am further contemplating contacting a law to represent in a case against this company and it's affiliated partners for unethical and unlawful practices.
Consumer complaint received 2023-05-08
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. (NC)

I have disputed XXXXXXXX XXXX with experian, XXXX, and XXXX. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NY)

I used to have a chase bank account and recently switched to a credit union. I was always able to make my credit card payments through an internal transfer within Chase 's website. However, since I switched I had to call and pay the bill via telephone. I did it with the pay by phone option. I entered my new routing number and account number, as well as the amount and the date I wanted it processed. After I submitted what I thought was the 'payment ' a long message came on that would typically occur at the end of a credit card payment submission. It gave me no options to continue or not to continue so I hung up thinking the credit card was paid. Once I saw that it never left my new checking account I looked on my credit card statement and saw that a late fee was incurred. I called customer service and they refused to waive it because they have waived one in the past ( note this was not a recent waiver ). I typically am very good with paying this bill as it was very convenient for me to do it from my Chase bank account to my credit card. I feel this long message that was put in the middle of the call is an intentional way to the deceit the customer into thinking the credit card payment was submitted when in fact it was not. That is intentional misrepresentation and fraud in my opinion. I want this resolved as I honestly thought this credit card bill was paid. I want my {$25.00} back due to chases negligence. Why would someone who paid their bill notice a day later if they intentionally decided to not pay it? Typically when someone does n't want to pay a credit card bill it goes on much longer than a day.
Consumer complaint received 2023-05-08
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. (CA)

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. 
Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( XXXX XXXX XXXX ) # XXXX  Account name : ( XXXX XXXX ) # XXXX Account name : ( XXXX XXXX ) # XXXX 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 2023-05-08
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you  verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. 

Thank you XXXX XXXX
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our loan was transferred from XXXX XXXX XXXX, XXXX to SLS in XXXX 2015. Since then we have experienced XXXX major problems. The first involved a property tax impound account that we do n't have/never have had ( see complaint # XXXX ). The second involves continually being requested to obtain more insurance than we need on our structure ( complaint not yet filed. ) The third, and the subject of this complaint, involves our PMI account. Although we have paid PMI of $ XXXX/month since our initial payment in XXXX 2015, we recently received a bill for the account shortage. The bill appears to represent two month 's worth of impound account, for the XXXX and XXXX 2015 amounts. Note that we paid the amount for each month as represented by the statement from XXXX. I have attached a copy of the XXXX statement proving payment, as well as a copy of the bill for the " shortage '' from SLS.
Consumer complaint received 2017-09-07
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (MD)

In XX/XX/XXXX, I received an email from XXXX XXXX XXXX saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from Navient where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXX and spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because XXXX is using a third party collection agency XXXX XXXX who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.
Consumer complaint received 2017-02-06
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (KY)

I was sent an offer for a prepaid card in the mail that included a printed card with a pre-activated account. I did not ask or authorize for this account to be created. This type of advertisement is dangerous as the card could easily be activated without my consent. I tried to contact the company, but am unable to reach a representative at any of their numbers.