davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from Choice Recovery Inc. I had previously disputed this account. I have never done business withChoice Recovery Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery IncCease and Desist all further communications and collection activesand  provide the verification of the purported debt. 
I need a physical copy for my records contract, proof of claim,
Consumer complaint received 2018-07-26
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. (PA)

I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX. XXXX  : XXXX 2. XXXX ( Equifax : XXXX. XXXX : XXXX, XXXX : XXXX 3. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

They are calling me about XXXX XXXX that was sold to Wells Fargo since 1999 and then said I had an account and supposedly I owe them XXXX and they want me to pay {$76.00} every two weeks for 24 weeks or I will get served to go to court and have to pay {$5000.00}.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I disputed an unathorized charge on my JP Morgan Chase checking account for {$630.00}. Weeks later the provisional credit was reversed stating that I authorized this charge and I did not. I contacted the merchant with Chase rep and they told them it was a cancelled order ; A cancelled order that I also did not authorize. The Chase rep stated they could not do anything even with the statement from the merchant. I tried to dispute this for several days with no assistance from the bank and continued denials. After two weeks If disputing Chase closed my account for no reason. A rep said that it was there decision and there was nothing that I can do. BEWARE OF JP MORGAN CHASE UNLESS YOU WANT YOUR FUNDS TO BE STOLEN!!!!!
Consumer complaint received 2018-08-23
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. (GA)

In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX,XX/XX/XXXX with XXXX and XX/XX/2018 with Equifax. I  recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/XXXX ( see attached ) and XXXX since XX/XX/XXXX ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2018-08-23
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: ACS Education Services (MS)

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( coduent  )
Consumer complaint received 2017-06-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'd discovered a deleted item reinserted back onto my consumer report. This is a clear violation of Section 1681i ( B ) ( ii ) Notice to Comsumer. I was not notified in writing within 5 business days by the Consumer Reporting Agency. This is a clear violation of FCRA & my consumer rights. 

Account ; XXXX XXXX  XXXX
Consumer complaint received 2019-04-11
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. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX XXXX CARD, Account Number XXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2018-08-23
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: Nelnet, Inc. (PA)

Greetings, I have initiated multiple disputes with NELNET for incorrectly reported late payments on the NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & XXXX credit reports. XXXX, XXXX XXXX & XXXX  should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to NELNET, XXXX, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The NELNET account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-08-23
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. (MN)

I have contacted Experian on various occasions throughout the year of XXXX and XXXX regarding inaccurate information on my credit report which includes the following : Inaccurate addresses : I was told that account could not be removed as they were reported by original creditor. I contacted creditors which took hours and was told that they are only reporting my current address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Late payments : XXXX XXXX XXXX Experian is showing over 6 late payments on this account, including a late this month XX/XX/XXXXwith a past due balance of {$540.00}. My payment has been made on time for XXXX and XXXX also reports 1 month behind ; therefore it would be impossible for them to receive this information. This is a clear error and Experian refuses to correct it. 

Late Payment : XXXX XXXX This account has never been late. 

Chapter XXXX Bankruptcy I have not Chapter XXXX bankruptcy and Experian is the only credit report with this listed on it. 

Listing of a Spouse : I am not in anyway associated with anyone who should be listed on my credit report. 


Listing employer : Requested that this be removed. They refuse. It is not accurate information. I have not worked for XXXX XXXX XXXX in the last 4 years. 

Listing of accounts from XXXX and XXXX. 

Listing of XXXX XXXX XXXX XXXX as a disputed account. This is an account that I have had since XX/XX/XXXX and it is in good standing. It was NEVER disputed and is being reported incorrectly with the high limit amount.
Consumer complaint received 2018-08-23
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: I.Q. DATA INTERNATIONAL, INC. (NV)

XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called I.Q. Data. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
Consumer complaint received 2018-08-23
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)

XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX XXXX. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CT)

American express calls cell and home phones daily and repeatedly. I have told them multiple times about the hardships we have experienced over the last 2 years. We have been behind for about 6 months. I pay something every month and have arranged automatic payments monthly. The representative said I must pay something every time they call or they will not be able to say anything good about me.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

Greetings, I preface my complaint by stating that I am a former employee of XXXX XXXX XXXX XXXX, " the bank ''. 

During my employ, over 16 years, I maintained a " free '' ( free as it relates to monthly maintenance fees ) checking account. Upon my departure from the bank, XX/XX/2016, I noticed a monthly {$10.00} Service charge on my account. At first, I thought that this was some sort of error that would auto-correct the following month. To my surprise, and after a careful review of my checking account, I realized that the bank has continued to illegally charge my checking account a {$10.00} monthly Service Charge since XX/XX/2016. 

I use the word " illegal '' for the following reasons : 1 ) XXXX XXXX has failed to supply me with any relevant and proper deposit account disclosure ( s ) regarding my checking account as it pertains directly to the new application of fees. I call upon the bank to produce any/all correspondence/information evidencing that I was duly notified that fees would be applied to my checking account. 

2 ) The bank, to this date, offers " free '' checking accounts, with no minimum balance and no monthly service charges. Why am I not afforded the same product or account type? 

3 ) Finally, it is my view, taking all of the above into consideration, XXXX XXXX XXXX XXXX has willfully engaged in an unfair, deceptive and abusive act. 

Per this complaint, I am demanding that all fees assessed to my account be refunded and that my account be reinstated to its " free '' status, void of any monthly service charges. 

Thanking you in advance for your prompt response. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

Theres an account showing on my credit report that does not belong to me. Its from XXXX XXXX XXXX   opened on XX/XX/2015 with a balance of {$640.00}. This account is not mine at all. Also, there one from a company called XXXX XXXX XXXX opened on XX/XX/2015 with a balance of {$1400.00}. These accounts do not belong to me or were opened fraudulently!
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Consumer complaint received 2020-05-28
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. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 12 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 11 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 6 hard inquiries Not Disputable Online. Details
Consumer complaint received 2020-05-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

When signing up for Experian free reports, it asked to charge for {$1.00}. It is not obvious that I can opt to not pay for the {$1.00}. What 's even worse is the {$1.00} is actually a trial for a $ XXXXmonth subscription. I was given no notification at the expiration of the trial that it 'll be renewed at a higher price. Also, there is no direct way for me to cancel until I dig through the website of Experian. This is not an acceptable behavior and borderline illegal.