davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-28
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: Experian Information Solutions Inc. (NJ)

I have disputed inaccurate items on my credit report dating back to XXXX. XXXX and Experian has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and Experian has not deleted or mailed by results to me. XXXX  and Experian has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX   Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed.

I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AP)

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-28
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. (AP)

I have disputed the late payment XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

At XXXX on XX/XX/18 I received a call, was trying to discuss my debt and the tech did not have my information available. He then placed me on hold, approx 10 mins. Never took me off hold and never called me back. on XX/XX/18 I received a call but since I am working I am unable to pick up. They proceeded to contact my sister who has no relation with this debt, nor is on any student loan. She told them she would relay the message. Then at XXXX they contacted my place of work!!! I told XXXX she was not allowed to do this and she said she was and she could. I contacted the number back on my phone and said to take off my work number. How and why is she calling people who are not involved in this debt?! Is this legal! I feel like my rights are being abused by this company by looking up phones numbers to anyone and everyone.
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX   credit record ( # XXXX ) 4. XXXX XXXX XXXX  credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Option Funding, Inc. (CA)

This is the second complaint I am filling for this company. The original complaint number is XXXX. Originally I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls. 

The from the company through CFPB response was not true as they never contacted me about any offer of refinancing on this loan and never mentioned a bi-weekly payment center. Also this was a by monthly request at the beginning of the loan process and they agreed to find one like that. I reached out to the loan office repeatedly as did my relator with no response.
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Fraudulent activity on my account in XXXX of XXXX. 

I notified my bank and started a claim ( Claim XXXX ) Bank of America froze / canceled my debit card, took them a month to send me a new card due to some issue in their system, which is another source of frustration from this process. 

The total charges that I was able to identify as purchases I did not make only totaled slightly over {$100.00} before it was caught and my account was frozen. So the issue was more so that someone else was charging my account rather than the dollar amount. 

Bank of America issued me credit back for these charges and aside from several phone calls to resolve why I had n't received my card I did n't have any reason to follow up on the fraudulent charges, I figured the bank was doing this. 

XXXX XXXX, XXXX the charges were placed back on my account by bank of america stating that they did not match fraud patterns? 

I know for a fact that I was not in the various cities these charges took place in ( over an extended period of time, so no chance of charges being mislabeled due to any delay posting to my account ) Additionally, there were several charges from a laundry mat. I have never even been into a laundry mat in my entire life. 

I spent a total of 2 and a half hours on the phone today ( XXXX/XXXX/XXXX ) trying to even get in touch with the bank and a possible resolution. The bank appears to be intentionally red taping the situation by asking for unrealistic and uncessary documentation. 

Bank of America has stated that I would have to fax in a statement. I told them I do n't have a fax machine and asked if there was any other way to have them re visit my claim since I 'm 100 % positive those charges where not mine and they told me no, so I 'm reaching out to the CFPB as I do n't feel this was properly handled let alone resolved.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I had been paying XXXX XXXX XXXX for 1 1/2 years. Till I received back 2 months payments saying another collection agency had bought my account. ( ERC ) They automatically started reporting negative on all 3 credit agencies. ****WAS NOT AWARE OF MY RIGHTS****** I sent ERC a certified letter of validation. What they responded back with is NOT in anyway 1 ) validating the debt is mine 2 ) And or in any shape a validation of prove of the charges. They are charging me a one time {$600.00} fee and a total of {$5500.00} They are not even deducting all the payments I made the last 1 1/2 years!!! TOTAL RIP OFF!!!
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

my mortgage loan was modified request was completed XXXX XXXX, 2017 with Wells Fargo Home Mortgage. My credit report with the 3 credit bureau XXXX, XXXX, XXXX is reflecting My mortgage to be currently delinquent and past due. That information is incorrect. Wells Fargo has not reported the current terms of the mortgage. Upon the modification being complete I was informed by Wells Fargo they would remove the delinquent payment history and report the current mortgage balance with the current mortgage history.
Consumer complaint received 2017-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (WI)

Dear Sterling Incorporated, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify its accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
Consumer complaint received 2022-09-28
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. (IL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXXr in the amount ofXXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (TX)

Contacted Barclays in XXXX regarding unauthorized change of address, phone number and email. Asked for corrections to all of the aforementioned changes and for current card to be canceled and issued a new card. Confirmed that the address was corrected. A new card was issued, but it was sent to the fraudulent address and was used on 4 separate occasions : XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$200.00} ), XX/XX/XXXX ( {$170.00} ) and XX/XX/XXXX ( {$150.00} ). I called on XX/XX/XXXX and again asked for my information to be corrected as it was NOT corrected as previously requested. I had the card with the charges cancelled and again a new card issued. I was told that the I would receive a letter to confirm the reversal of the charges. New card was received, as well as a letter stating that the charges were fraudulent ( XX/XX/XXXX ) and my account would be refunded/corrected. The charges were reversed and then out back on my account. I called again XXXX, end of XXXX, beginning of XXXX and most recently XX/XX/XXXX and XXXX. The charges are now said to be valid. I have filed a police report, fraud report with the FTC and frozen my credit information with all three credit bureaus related to these charges, as well as charges made to my XXXX credit accounts. Fraud alerts have been issued with all 3 credit bureaus, XXXX and XXXX ( merchants that also had fraud related issues ). XXXX, without delay or question, resolved all issues.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Im filing a complaint about chase bank. My name XXXX XXXX. I have 3 established account with chase. I opened a business account with chase Around XX/XX/XXXX of XXXX I made a mobile deposit check for the amount {$2300.00}. This check was from one of my clients. The deposit went through according to my knowledge. Two weeks ago, while trying to make a purchase with my business card, it was declined. I called chase to see what the problem was. CHASE BANK told me they had placed a restriction on my account including money I already had in the account. They said the client only wrote partial of my business name and not the full name so they would need to verify the client in their database. They came back to me and said the phone number in their database does not match what is on the check so therefore, I would need to carry the client to the bank with 2 forms of Id or have the bank recall the check. I told THEM that the client is XXXX XXXX XXXX and home bound and can not go out unless hes goin to the hospital in hospital van. They gave me the option to recall the check. The client was able to recall the checK from his bank but according to chase, they never received the memo from the other bank to recall the check. Chase told me to wait a few days to see if the money will be recalled. But the next day after telling me to wait for the check to be recalled, they made the funds available in my account. I called CHASE BANK to see if the money was now available for me to use. CHASE BANK said even though the funds are available, they are not removing the restrictions and I also cant recall the check anymore. The only other way to get the restriction removed is to have y XXXX XXXX XXXX client go to the bank and verify. My client can not and will not leave the house. He lives in the county 2 hours from any CHASE BANK. Chase is now closing my account and holding the money till my client who is home bound comes to their bank to verify the check. I have other checks that the client has written me. Chase bank still refuse to call the man, refuse to call his bank. The only resolution is to verify a non verifiable number In their database or have the client come in a bank. My client can not leave his house unless being driven to the hospital by hospital staff. And I have no way to recall the funds now that they have made it available. dont believe this is a legal way to handle things and I need to find resolution to get my funds from CHASE BANK . The funds were supposed to go to employees. I had to come out of pocket because of the inconvenience that took place with CHASE BANK.
Consumer complaint received 2018-05-15
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. (NY)

Experian is reporting two ( 2 ) collections on my credit report that has been paid and this is causing my scores to go down. 
The accounts are XXXX XXXX and XXXX XXXX XXXX in the same amounts of {$140.00}. They are not reported on XXXX  and XXXX   because they were removed as payment was made for these accounts.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Greetings, I opened my first credit card with Capitalone in XXXX. They closed my credit card in XXXX without any clarifications. With 100s call and emails, they recommended me to open a new credit card. I opened my new credit card in XX/XX/XXXX and they closed that within a few weeks. They keep sending me many promotional offers. Again, I opened my new credit card in XX/XX/XXXX, and they again closed my credit. Capital one is ruining my credit score. I do not understand why they closing my credit card. Why they send me promotions if they want to close it. I want justification. I need an exact reason. In my entire life, I never did any late payments. My credit score is excellent ( more than 750 ). I have no bad credit history. No one can find even a single instance which is linked to my bad credit history. I want exact clarification. Why capitalone keep closing my credit card. I also want Capital one to provide the member benefits which was part of the card during my credit card opening. I opened this credit card because they sent me promotional.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

Re : Bluebird account ending in XXXX I had an American Express Bluebird account to provide my minor child with a debit card she could use in case of emergencies. 

In XXXX of this year, my regular bank account experienced fraud and a payment to Bluebird was returned. Bluebird immediately closed my account. I really didnt mind because the account was only to fund my daughters card, but I am having the worst time getting the small balances refunded. The Bluebird phone representatives are poorly trained and everyone states something different.

The most recent person I spoke with ( XXXX, Employee # XXXX ) stated that I had to write American express to receive the refund for my daughters sub-account ( XXXX XXXX ). This is after I was already able to receive a refund for my account by making a phone call. After making several unfruitful calls to American Express for less than {$30.00}, it seemed time to escalate this. 

In addition, I received a check from American Express for {$4.00}. However, when I deposited it, it was dishonored by American Express, incurring a {$5.00} fee for a returned deposit. 

All I want to is recoup the XXXX + {$5.00}, plus the approximately {$25.00} in my daughter 's account and be done with American Express. Geez.
Consumer complaint received 2018-05-16
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX i receive my direct deposit as always, And on the very next day XX/XX/XXXX my money was gone. I call amex customer services to file a claim on a transaction for the full amount of my paycheck of {$1200.00} dollars after few days they reply on a piece of email saying that the transaction was authorized therefore my account is no eligible for a refund aparently someone login in to my account and schedule a transfer to their own account.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: HireRight Solutions, Inc. (AL)

accident / incident reported on my transportation Employment History. ( Hireright ) On XXXX/XXXX/2015 a accident was reported upon my history as a preventable Accident. this is untrue i was not at fault for this accident. and the reporting of this accident as preventable is damaging my person as to employment.