davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
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. (NE)

XXXX contacted me about an account I did not authorize. They advised me of a balance I was unfamiliar with and I demanded validation of the account because I was the victim of ID Theft in the past. The company not only did not provide necessary documentation to validate the account but they proceeded to report the account to the credit bureaus. I already have an ID Theft report on file and need this item removed immediately. In my ID theft report I specified there was no way for me to know all of the accounts that were opened in my name but outlined a period of time I knew for sure the thief was opening accounts. I do not use credit for hardly anything and now that I do need to use it for business purposes these fraudulent accounts are hindering my ability to do so.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.
Consumer complaint received 2017-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc (FL)

This time I spoke with XXXX XXXX on XXXX/XXXX/2017. The last conversation was with a representative in XXXX. XXXX XXXX refused to provide last name or any contact information. He said he was the only XXXX XXXX at the call center and there was only one call center.
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I received a letter in response to a dispute that merely had the amount I supposedly owe and verbaige that simply stated it was validated. I do not recall this debt. I reached out to both the original creditor and insurance company MNET referred me to and neither have any information regarding me or this account.
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MNET stated they validated the debt by confirming it with the original creditor and that they do not have proof just the original creditor saying it was mine. It is not.
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I requested proof in the dispute request. Proof they own or were assigned the account. Proof of the amount and supporting documentation not just their say so.
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I never received any written or verbal correspondence outside of a recent letter saying this is yours and you owe {$860.00}.
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They kept telling me today the limitation of 30 days is up and they do n't have to provide proof. What 30 days. I noticed this in XXXX on my credit report and disputed right away.
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The FDCPA ( Fair Debt Collection Practice Act ) If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report.
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The FCBA ( Fair Credit Billing Act ) also states that they can not validate a debt with a credit bureau until they provide me with validation. They have validated and I have no validation. They validated with XXXX not with me.
Consumer complaint received 2017-08-25
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. (GA)

I requested that Experian address specific questions about an investigation they claim they made. The complaint is about Experian Credit Bureau not adhering to my request to remove specific information erroneously recorded on my credit report. Experian Credit Bureau was served a final notice and still has not submitted the answers to my questions about their investigation. This bureau has refused to remove all account information I have been disputing for a year now.
I specifically requested the following information from Experian : What certification/certified documents were received to conclude the investigation? I specifically asked for a complete copy of all information that was transmitted to the furnisher as part of the investigation.
I also wanted to know who they spoke to.
What was the date?
What was their position?
What number did they call?
What is the name of Experian employee who spoke directly to the creditor ( s )?
What is the position of this employee that spoke to the creditor ( s )?
What is your position to the employee?
I have listed below the companies/accounts ( 12 total ) Experian continues to record and will not delete. Please see attachments ( Exhibits A, B, C ) for each letter sent to Experian about the complaint/dispute.
They are as follows : 1. XXXX XXXX  Loan Type : Credit Card, Terms REV Industry : Bank Credit Cards Open Date : XX/XX/XXXX Status Date :XX/XX/XXXX No account number information recorded 2. XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Loan, Including Purchase Money First Industry : Mortgage Companies Open Date : XX/XX/XXXXStatus Date : XX/XX/XXXX Acct # XXXX 3. XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Loan, Including Purchase Money First Industry : Mortgage Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX 4. XXXX XXXX XXXX XXXX  Type : Unsecured Loan Industry : Credit Unions Open Date : XX/XX/XXXXStatus Date : XX/XX/XXXXNo account number information recorded 5. XXXX XXXX XXXX Loan Type : Unsecured Loan Industry : Finance Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX No account number information recorded 6. XXXX XXXX XXXX Loan Type : Auto Loan Industry : All Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXAccount # XXXX 7. XXXX  Loan Type : Auto Loan Industry : All Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX No account number information recorded 8. " XXXX XXXX XXXX '' hired by XXXX XXXX XXXX XXXX Acct # XXXX 9. " XXXX XXXX XXXX '' hired by XXXX XXXX XXXX  Acct # XXXX '' 10. " XXXX XXXX XXXX '' hired by XXXX XXXX Acct # XXXX 11. Bankruptcy chapter XXXX Type : Bankruptcy chapter XXXX-dismissed Filed Date : XX/XX/XXXXStatus Date :XX/XX/XXXX Court # XXXX / Case Number : XXXX 12. Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ReportedXX/XX/XXXX
Consumer complaint received 2017-07-07
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. (AZ)

My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ XXXX and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX/XXXX/XXXX, I attempted to make a balance transfer from my American Express Blue Credit Card to a new credit card of {$12000.00}. On XXXX/XXXX/XXXX the payment was declined due to insufficient funds on the new credit card. We proceeded to call the new credit card company to figure out why this happened, and received an explanation that they charged too much for their balance transfer and that put it past the limit. 
I called American Express as soon as we had an explanation, and described to the billing representative what had happened and that we were good to proceed. After describing having to use a check from the new credit card company for the balance transfer, the billing representative said I could take care of it over the phone or online and just to give him the checking and routing number, which I did. 
Two days later my payment was again declined, so I attempted online and again it was declined. We than called American Express to find out what was going on, and was told we should have never been asked for the checking and routing number over the phone because the check submitted was a business credit card check, which was communicated to the billing representative on our phone conversation. 
I have now been charged multiple declined payment fees, and my 0 % APR American Express has jumped to 30 % APR, which has resulted in nearly {$500.00} in fees, and no balance transfer.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

I believe I am due more for what I have been through. I have tons of papers. It shows on my older credit reports that they now have removed. I lost everything! It started with XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX XXXX, who sold to JPMorgan. There may be more in there somewhere. 
XXXX was the one who started the trouble. They paid my homeowners insurance out of my escrow. Then sent me a letter saying I did n't have homowners insurance and so they were insuring it for a great sum, and that it put me 3 months behind on my mortgage. Then the phone calls, at my work, my home every 2 minutes. 
I had the paper showing that 'they ' paid my insurance out of my escrow. I faxed it to them. I called to be sure they received the fax. Nope. They gave me a new fax number. I called to be sure 'they ' received the fax. Nope. And on it goes. Then the letter that I owed their lawyers {$4000.00} approx. which put me even further behind on my mortgage. 
Then another game : Modification. 'They ' modified the smaller loan and said the other would follow suit. Nope. 
Then the foreclosure papers. On and on and on .... I would like {$200000.00} for all I lost, emotional distress, health issues now, and this is the amount it would take to make me whole.
Consumer complaint received 2017-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Our daughter attended school, XX/XX/XXXX school year at the XXXX XXXX XXXX XXXX XXXX. We received a loan by XXXX XXXX for her schooling..she left after one year of schooling, where upon we called XXXX XXXX to pay off her loan. We were told that our balance was XXXX. We paid by check the amount of XXXX and received no correspondence that this account had been paid ... or that any balance was due. It was n't until XX/XX/XXXX that we received a note saying we owed interest on the loan. At that time we started writing letters and calling. but received no return correspondence. This has been going on for 9 years, every time we call, we get a new person and have to start all over again ... now we have received a litigation letter. We called and went through the whole story.. again.. and was told our money was split up between our loan and three other loans that belonged to our daughter. No one informed us that this is what had happened with our original loan. The only loan we and our daughter took out was with XXXX XXXX, us as a co-signer. When talking to Navient who took over the loan.. we were informed if they redirected all funds to pay off our loan ( that we should n't have now because it was paid off ) ... the three loans that our daughter supposedly has, will go into default, pending litigation. This is a lousy way to do business. We took out a loan for our daughter to go to school and in good faith, paid off our debt, to only be harassed by this company. We took out a loan with XXXX XXXX only, accrued XXXX, when we were done we talked with XXXX XXXX and they told us our balance was XXXX, which we paid with a check ( we have copies of the canc check ) Now we are told that {$22000.00} was applied to our co-signed loan with XXXX XXXX, the other {$8700.00} was applied to our daughters other 3 loans. This gave us a balance that was still due, that we did not know about, that has been accruing interest and has been detrimental to our credit, and our daughters. We are at our wits end ... this has been going on forever ... and it 's the government, so there 's no way to fight or get satisfaction.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I always make my payment on time. I am never late and try to use the card as much as possible. I had made a payment to the card without realizing I had accidentally grabbed the wrong banking information. When I realized I had submitted my payment it was already too late to cancel. Capital one advised me to wait until the payment was returned then just submit the payment again and I should be fine. So I did just that. HAD I KNOWN if waiting for the return payment to process on my account would negatively impact my ability to request a credit limit increase, I would have said something right then and there! The online system did n't not let me resubmit a payment. Might I add that I did pay my balance completely off a few days later using the right banking information. My complaint is that I tried to request a credit limit increase and was declined because of my human error. My credit is decent and I always pay on time. The customer service reps do not care about the consumer, only the interest of the company and will not remove the return payment. Now my credit is affected by this and all I was doing was following directions. All i want is the return payment to be removed from my profile. I have called multiple times and got tye same answer that i have to wait up to 12 months for it to go away. I am lost for words. Alibi want to do is get a credit limit increase and now I can not.
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WY)

On XXXX, XXXX 2017, as I was having issues purchasing Bitcoin from the cryptocurrency company Coinbase, INC, I updated my account info to include my state of residency. The address I used was in the state which corresponded with the ID they have on file. This is not my primary address, although I do use it still occasionally for official business as my current address may change and I can still receive mail at the old address. Coinbase suspended my account, stating that they do n't allow for residents of that state to use their services, although this was not an issue when I created my account nor was I notified of any change. I immediately contacted them asking to change my address to my new address in a state that they do business in, but also gave the option of sending the XXXX Bitcoin in my account to a different Bitcoin Wallet. Their website states that even if an account is frozen funds remain in the wallet until the account is unfrozen. In return to my complaint, I received two automated email responses stating that due to high traffic at the time the incident occurred they could not get to my complaint at the time but should expect a response within 72 hours. The second email I received requested response if the issue was not addressed by the automated email. I responded, expanding on the issue and requested only a Bitcoin transfer as I no longer wished to do business with them. I received no further responses regarding this issue. On XX/XX/XXXX, I added an additional reply to the open case I had stating that I had not yet received a response and that they did not have the right to withhold my funds. I filed another separate complaint with them on XX/XX/XXXX, to which I got another automated response stating that due to high traffic I should expect up to 72 hours of delay before I receive a non-automated response. This second complaint I opened was merged into the previous one for having similar content, yet I received no response. I have received nothing further from this company.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (PA)

I have submitted a request for a method of verification on a specific account listed on my credit report. The method of verification was not received as detailed in the submitted letter. I am now submitting a second request for a method of verification of XXXX XXXX XXXX
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (VA)

For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX  XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.
Consumer complaint received 2017-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (DC)

I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to  them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2017-08-25
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. (NC)

According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
Consumer complaint received 2017-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I purchased my home on or about XX/XX/XXXX.I was forced to sign for 2 mortgages to be able to get the loan i was not aware of this until the day i showed up for closing. The house is underwater now. Iask Wells Fargo for forgiveness on the this loan. I feel that i was taken advantage of in this loan. I have paid this for 10 years, and feel as if this should be forgiven.
Consumer complaint received 2017-07-07
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)

Experian verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL XXXX XXXX RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports