davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

My name is XXXX XXXX and I am writing you in hopes to correct a misunderstanding and remove a negative mark on my credit score. I have spent the past 3 years working on my credit to get it over a XXXX  score. It has currently dropped to XXXX because of Total Visa reporting a 30 and 60-day notice. On XX/XX/XXXX, I spoke to an agent to close my card due to fraud and to close my account. At that time I thought my account was closed and I no longer received any monthly statements nor did I have a Total Visa credit card. You can verify that the card was never activated or used. I was reimbursed {$240.00} which was issued on XX/XX/XXXX and deposited on XX/XX/XXXX. To my knowledge, I no longer had an account. 

Despite not having a credit card due to Total Visa not sending me one, Total Visa  continued to take {$6.00} out every month from XXXX to XXXX and I was unaware of these charges. I become aware of these charges on XX/XX/XXXX when a representative contacted me about missing 2 payments which surprised me because again, I thought I closed this account. On that same call, I was able to speak with a supervisor who said they would reduce the bill to {$6.00} but I didnt feel that I needed to pay for something that I didnt have. When I declined to pay that amount, The supervisor proceeded to tell me I didnt pay that day and that it would go up to {$12.00}. At that time I question why that would be for something that I had no knowledge of. We proceeded to cancel the card for what I thought was the second time and the supervisor had an antagonistic tone which was not very helpful. And she then closed out the phone call with the message that since I closed my account and didnt pay the {$12.00} that I would then be billed {$18.00}. I felt at this time that I now was being hustled and personally threatened, as she told me it would go to collections. 

In XXXX I received a bill that said I now owed {$38.00} and I questioned whether or not I was being scammed and hustled. As I was going for a home loan I was denied which was a complete shock. When I checked my credit score, this mark crushed my credit score by XXXX  points I have been devastated ever since. Needless to say, I did not get the home that I wanted and at this point, I am admittedly requesting the removal of this mark off my credit. I have already paid the balance and I have been paying {$6.00} unknowingly for months prior. 

I appreciate any assistance you can give in getting my credit score back to where it should be. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Usaa has chosen. Not to do business with me but chose to deposit my va benefits into an account I have no ascess to. Leaving me with late fees on ultilties and rent. This is due to their policy of taking up to 60 days to close they account. This complaint is to inform USaa. That any and all fees along with any and all legal matters will be presumed in this matter. It is by no means justified to deny me the opportunity to eat or maintain a roof over my head Your policy creates a hardship for me that will force me in a finiacial situation that will be impossible to overcome release the funds by returning the to the XXXX treasury NOW
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NM)

It was check free pay thru XXXX to pay my XXXX car insurance for multiple months we didn't know the insurance wasn't getting paid till they repossessed our car. After spending multiple weeks calling them XXXX and XXXX, I was getting the runaround saying the other one had my money. The date of when XXXX didn't get its money the first time XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All was Paid thru check free pay at the XXXX XXXX XXXX. XXXX said non of these payments were received
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I asked Citibank to close my accounts and return me my money and they refuse to do so. They say my accounts were compromised and I dont believe they were. The dates are XXXX to XXXX, 2023. The amounts are : {$280.00}, {$980.00} and {$1000.00}. I have given Citibank employees security words and SS #. They dont allow me to access any mobile app and do not answer my mail requests.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX reported to Trans Union and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I bought an investment property to rent out a home in XXXX XXXX Ny in XXXX. In XXXX went to default and in XXXX XXXX XXXX started a first foreclosure action and in XXXX entered into a first loan mod with XXXX XXXX XXXX. Went into default again and XXXX XXXX started a second foreclosure in XXXX. In XXXX XXXX filed a summary judgment motion which was granted. In XXXX XXXX XXXX assigned the mortgage to Specialized Loan Servicing LLC ( in Colorado ) and entered into a second loan mod in XX/XX/XXXX and in XX/XX/XXXX asked me to enter into a corrected loan mod which I did not sign. No payments were made or requested after did not sign the corrected loan mod. In XXXX XXXX XXXX XXXXXXXX received a Referees Deed in XX/XX/XXXX XXXX XXXX  XXXX started an eviction proceeding against the tenants living in the home and a hearing is scheduled for XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question are as follows : XXXX XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ashton & Weinberg, Inc. (AL)

I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AL)

I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments )
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CO)

I have loan from greentree services, for the last few years I have tried to get a modification from them. They repeatedly have made it impossible for this to happen. My spouse died in XX/XX/XXXX in XX/XX/XXXX I became XXXX through work. I have tried over and over to refinanced or modify my loan. They always would lose paperwork, and have me jump hoops to re- submitI always have a new person working on the loan, and again, always turning paperwork to no avail papers. I have done this for years, with no help from them.Please help
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I paid this account. It was a chargoff, but I paid and settled the account. Wells Fargo has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

DEPT OF EDXXXXXXXX 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 has violated my rights. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX  # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.
Consumer complaint received 2023-09-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (TN)

As so XX/XX/2022 I get an email and phone call out of nowhere from a company called FirstMark services saying I owe a debt yet they don't know where it came from but they were quickly trying to put me on a payment plan. I was too busy at the time to really look into it but over time the calls increased and they kept trying to pressure me into making payments and threaten to damage my credit report. So when I asked for proof of agreement they weren't able to provide that information. So when asked about where they got my information from they just kept saying another company which isn't helpful. I've disputed this information multiple times but they kept bringing up an balance that I was not aware of and doesn't provide you many options to dispute the debt so its either pay it or have bad credit. I would like to get this information removed from my credit report as it has to be identity thieft.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I agreed for a paid report from EXPERIAN CREDIT last year. Then I cancelled it after a few months. Then I got billed for EXPERIAN CREDIT REPORT the report after I already cancelled EXPERIAN CREDIT REPORT. EXPERIAN said they can not go back and refund my money, but they can cancel the current billing. Then I got a charge to my account again and again we went through the same process with EXPERIAN CREDIT REPORT. Not receiving any benefits only charges to my bank account. So EXPERIAN said they cancel then they restart this same process over and over again. Not refunding the past charges, they say they can't go back to. It is a scam and a real scam to people of my age! Who are not made aware of EXPERIAN CREDIT REPORT type of scam!
Consumer complaint received 2023-09-04
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. (OR)

On XX/XX/XXXX I woke up to pay rent. To find my checking account. And savings account at XXXX. Theres a hold on both account and a transfer in process. In the amount of XXXX. To XXXX XXXX child support services. A levy the bank said was placed on account ( s ) checking and savings accounts. 
I immediately went to bank to ask questions for them to give me a number and tell me theres nothing they can do. I stated this transaction is fraud. No bank or lender or agency can access my account or drain it leaving me and my kids with XXXX dollars on the day rents due. I attempted to report fraud. For my payment ARE arranged and taken out my checks for child support. Then found out they advertise fraud services online and the form to fill out, but it does not exist. Therefore now I can not file fraud in a timely manner. This also is fraud. 
So my consumer rights have been violated. And to my understand. These accounts are not real. My checking account doesnt allow checks or a lot of things for they say its not a checking account. Please assist me. I would like my money returned. I never authorized or sighned any contracts with anyone ever to access my account or withdrawal or transfer money.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (CA)

XX/XX/2023 I send money using sendwave with the amount of {$120.00} due to my brother needs to pay his hospital bills but when my brother trying to get the money they told him that the tracking number I gave him is not working that He have to tell me to follow up so then I called the company and I told them why the money is not available its very important its emergency and they said they having problem with their bank partner in the XXXX so then I told them can you please try to send it again or if not I just need a refund just cancel it and they said they will be happy to assist me and wil do refund and I will recieved an email once its process but I never recieved aXXXX email I even send them a message on their apps but no response I have been patiently waiting but then after a couple I dont hear from them I called again and they said Since the teansaction is error XXXX their part the transaction was cancelled and no charge in my account but in my bank accout I have charge {$120.00} I even chat to my bank and they said the {$120.00} has taken hy sendwave and I told them to just refund me to the last for digit of my card the last time i send to my other brother the one that I used when I send the {$120.00} has been cancelled due to the atm took my card and never came out at the atm.They send me a form to manually cancel and refund me the money I filled out and send them back the form then after a day I received notificayion to their apps saying my transaction has been send to the recipient safe and sound. So I got the tmtracking number but when my brother go to the remittance place they told him tracking number is no good so my brother said maybe I will go to XXXX I said ok just try since thats their partner bit unfortunately they said its not a good tracking number so I called again XX/XX/XXXX or XXXX they said they will do it again that they will let me know if its cancelled already and since they did manual cancellation it takes time so I patiently waiting I think around XX/XX/XXXX I called again and they said it is mever cancel and he will help me di the cancellation but they one that I talked to before he even talked to his supervisor bit they lied to me its never been cancelled so they send me a form again to be filled out to get my money bit until now I havent heard from them its benn a month already but they never refund me my money please help