davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MD)

On the evening of XX/XX/, I was contacted by someone claiming to be from the American Express fraud department. The number on the caller ID matched the American Express phone number XXXX, which is why I thought the call was legitimate. The man claimed they had detected suspicious activity on my card and asked if I'd made any large purchases in XXXX XXXX. I was immediately very concerned. 
He had my card number and read to me the balances I had paid on the last three statements of my American Express Credit Card Account, which matched the information I had in front of me- another reason why I thought he was calling from the fraud department. 
He said his name was XXXX XXXX. He also provided his phone number should the line get disconnected. The number he gave was XXXX 
He then proceeded to suggest I implement additional fraud alerts. He asked for my mother 's maiden name and social security to confirm my information, which I gave. He asked me to press *-something to activate a fraud alert on my phone. He also said that he was setting up alerts on my email. 
Only when I received my card statement this month, I realized that I had been scammed. The fraudster made three separate charges at the XXXX XXXX XXXX XXXXXXXX XXXX, in XXXX XXXX, totaling {$29000.00}. ( I live in Maryland and have not traveled to XXXX in years. ) I contacted my credit card company, American Express, right away. Initially, they credited me for the unauthorized transactions and said they would immediately send me a new card, which they did. 
On XX/XX/, I received an update from American Express stating that I am responsible for giving my card information to the fraudster, which I did not, and responsible for the balance. The scammer ( s ) already had my card number. I noted that there was no verification from the card company authorizing the transactions. Apparently, the fraudster had verified it through my email ( I'm in the process of setting up a new email account ). 
I requested that American Express begin an investigation and file a chargeback as I did not receive the items they claimed I purchased. They said they would investigate further and recommended I contact the FTC and police. Today, XX/XX/XXXX  American Express closed the investigation and stated I must pay the total amount of {$29000.00}. I am writing to state that someone from American Express with my information was able to illegally make purchases in another country using my credit card information. I am in the process of filing a police report.
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Loan Account on My Credit Report Dear Experian Consumer Relations, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning my credit report. I recently reviewed my credit report and discovered an account that I believe to be fraudulent. Despite efforts to resolve the issue with the company verifying the account, it has come to my attention that this account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I have never had any financial transactions with the company listed above, nor have I ever taken out a loan with them. This erroneous information on my credit report is causing significant distress, and I am concerned about its potential negative impact on my creditworthiness. 
I have already taken the following steps to address this matter : Contacted XXXX XXXX XXXX I have attempted to reach out to the company responsible for reporting the loan account. However, they have been uncooperative and unwilling to acknowledge the fraudulent nature of the account. 
Filed a Dispute with the Credit Bureau : I have submitted a dispute through the Experian online dispute resolution system. Unfortunately, the company verifying the account has not provided any substantial evidence to support its legitimacy. 
Initiated a Fraud Alert : To protect myself from potential further fraudulent activities, I have placed a fraud alert on my credit report with all three major credit bureaus. 
Considering the severity of the situation, I kindly request your assistance in resolving this matter promptly. I request that Experian investigates this fraudulent account thoroughly and removes it from my credit report as soon as possible. My aim is to maintain an accurate and fair credit history. 
Enclosed with this letter, please find copies of documents that support my claim, including a copy of my identification for verification purposes. 
I understand that Experian is committed to ensuring the accuracy and integrity of consumers ' credit reports. I trust that you will handle this dispute with utmost attention and conduct a comprehensive investigation into the matter. 
If you require any further information or documentation from me to expedite this process, please do not hesitate to contact me at XXXX or XXXX I sincerely appreciate your understanding and prompt attention to this matter. Thank you for your assistance in resolving this dispute and protecting the integrity of my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

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.

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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score
Consumer complaint received 2023-08-04
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/year> I was charged a debitreverse provisional credit for {$130.00} thos has to be a error or something i won my case and they took this out of my checking account this was after I settled with XXXX XXXX XXXX for the wireless service this is not right the TD Bank is stealing from me on XX/XX/year> I was given credit for {$130.00} and now they took it back out this is not right
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

A few months ago ( XX/XX/XXXX ), I made a dispute letter to Equifax ( courtesy from the XXXXXXXX XXXX ) to remove an old credit card settlement ( from XXXX XXXX XXXXXXXX ) from my credit report. About a month or two passed and I haven't received any response from them. When I contacted Equifax directly, they investigated the issue and gave me their response that I have to wait another two years for it to be resolved based on their investigation and conclusion. The settlement is over seven years old and by XX/XX/XXXX, it will become its tenth year. I'm trying to remove this from my credit report once and for all before XX/XX/XXXX.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

Refer to my previous complaint to you filed on XX/XX/2021 involving closing account to withdraw funds. 

When I filed the 2021 complaint against Citibank, I had accrued over {$100.00} interest for having {$10000.00} deposit with them for over 2 years. At the time it was unequivocally understood I was closing the account. After my complaint I was finally able to withdraw my {$10000.00} initial deposit and was informed the interest gained would be mailed by check. However, once again, Citibank has failed to do so and withheld all interest made from my {$10000.00} deposit.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I purchased a car and used credit acceptance as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX of 2019. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Last year XX/XX/2022, I applied for a XXXX removal. I was asked to pay for the appraisal. After paying out of pocket for the appraisal, my equity was still under 20 %. To go over 20 %, I called in XX/XX/2022 and paid on the phone an additional amount towards the principal o make sure I had over 20 % equity and requested XXXX  removal. The XXXX was never removed, and they have kept charging me for XXXX  even after over a year. I have called customer support numerous times. However, they haven't fixed the issue. According to the support, this was a mistake from the support person on the call as they did not pay the whole amount towards my principal and skipped that month 's automatic monthly payment. I keep getting told this will be fixed, and every few weeks receive a call from one support person. However, it has been over 2 months since I called them back again. Please help me get this issue fixed, and I should be refunded the last 1 year of PMI insurance payments. Below is the additional payment info from XX/XX/2022 when I paid the addition principal to go over 20 % equity. 

Additional Principal XX/XX/2022 {$41000.00} {$41000.00} {$0.00} {$0.00} {$0.00} {$440000.00} Lender Paid Expense XX/XX/2022 {$500.00} {$0.00} {$0.00} {$0.00} {$500.00} {$480000.00} Additional Principal XX/XX/2022 {$3300.00} {$3300.00} {$0.00} {$0.00} {$0.00} {$480000.00} Payment Reversal XX/XX/2022 ( {$3300.00} ) ( {$780.00} ) ( {$1400.00} ) ( {$1000.00} ) {$0.00} {$480000.00} Unapplied Funds Payment Reversal XX/XX/2022 ( {$500.00} ) {$0.00} {$0.00} {$0.00} ( {$500.00} ) {$480000.00} Principal Payment Reversal XX/XX/2022 ( {$41000.00} ) ( {$41000.00} ) {$0.00} {$0.00} {$0.00} {$480000.00} Additional Principal XX/XX/2022 {$41000.00} {$41000.00} {$0.00} {$0.00} {$0.00} {$440000.00} Lender Paid Expense XX/XX/2022 {$500.00} {$0.00} {$0.00} {$0.00} {$500.00} {$480000.00} Monthly Payment XX/XX/2022 {$3300.00} {$780.00} {$1400.00} {$1000.00} {$0.00} {$480000.00} Monthly Payment XX/XX/2022 {$3300.00} {$780.00} {$1400.00} {$1000.00} {$0.00} {$480000.00}
Consumer complaint received 2023-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Prince Parker & Associates (TX)

Prince Parker and Associates XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Date : XX/XX/2023 Whom it May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within XXXX XXXX XXXXXXXX XXXX days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2023-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

My Federal student loans were being serviced by Great Lakes which was recently bought out by Nelnet. Great lakes had a very user friendly website allowing us to set up repayments in many ways and was very user friendly. Nelnet informed us that our current auto debit settings would be stopped and we would have to login and set up our account with them. As soon as I got the information ( XX/XX/2023 ), I logged in today and set up my account but they would not give me an option to start auto payments for 5 months ( XX/XX/2023 ) and did not have an option to pay more than the minimum amount due. The fine print on the website stated that we could may more to pay off our loan more quickly at our request but since there was no place to do it online, I called their phone number. I explained to the representative that for years I've had auto debit set up even through the federal loan forbearance period and I've been paying a few XXXX dollars more per month to reduce the loan burden. The auto payment system works best for me since I own and run a small business, have two small kids, and don't want to drown in debt until I'm retirement age or accidently forget and miss a payment. The customer service rep said there is no way to set up auto payment to start sooner or to set it up at paying a higher rate, I would just have to go on their website each month to make a higher payment. It doesn't make sense and just seems like this new loan servicer is trying to prolong people 's debt avoid accepting payments which interest rates are deferred, and increase risk of people missing payments. I then tried to go on and just schedule payments out until the auto payment could start but it would only let me schedule 1 payment out over the next month and nothing else. I believe this bank is taking advantage of me as a consumer, not giving proper information out, not allowing best banking practices, and shouldn't be allowed to service federal loans. Please help make this right or get me another loan servicing company that can help. Thanks.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Real Time Group, Inc. (MO)

In XXXX of XXXX I mailed a money order check to XXXX XXXX for my HOA fees. In XX/XX/XXXX I received a letter from XXXX XXXX they did not receive my XXXX payment for my HOA. I attempted to contact XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX by calls and they have refused to communicate with me. In XX/XX/XXXX I received a call from Real Time Solutions regarding my HOA fees. They stated they have a lien against my house and I needed to make payment. I was able to go to my back and find the {$500.00} sent in XXXX was never cashed by XXXX XXXX. I received the funds and made the payment to Real Time Solutions for the {$500.00}. Now Real Time solutions has the account in collections for my XXXX fees. Between the HOA or Real Time Solutions they have added over {$500.00} in fees and around a 65 % increase on my bill. This is excessive. Also, when I was first contacted by Real Time Solutions in XX/XX/XXXX I was told they have a lien against my house. I contacted my local county court house and there is not lien against my house. I made my final payment today and asked for a lien release. They stated it's in the paperwork I signed when I purchased the house. This is a play on words. I had to scramble to get these funds together ( on a current account since I paid the {$500.00} past due ). This is unfair and deceptive collections practices. Between whoever adding 64 % fees ( Real Time or the HOA ) and having someone to call and cause stress to my family over a missing payment that the HOA managment company probably lost.