davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
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. (CA)

These accounts were disputed as fraudulent and experian,  XXXX  and   XXXX    have failed to remove said items from my report as mandated by the fair credit reporting act.   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   total  XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-18
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. (GA)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do so.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I recently made a call to Comenity Bank, the bank that financed an engagement ring that I have recently purchased. I called a couple weeks ago to set up future payments. I have never given authorization to take any funds out of my account until the date of my scheduled payments. I have been paying online prior to setting up future payments. Last week before lunch, I went to check my account and noticed that {$400.00} had been taken out of my account. I'm well aware that all calls are monitored and recorded, and I am fully aware of the conversation. I never authorized for comenity bank to take money out of my account for this reason alone. When I called to resolve the issue, the conveyed to me that they would have to investigate the situation. I didn't understand why it would be so easy to take {$400.00} out of my account illegally, but not return my money, which also lead to multiple overdraft fees.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (KY)

Earlier this year i endeavored to resume working on my credit since i have been stable for a few years. In that process i have paid off items in collection, etc with the exception of an account (  JH Portfolio Equities #   XXXX   XXXX  :  XXXX   XXXX    XXXX   XXXX   XXXX    ). T he reason is because upon my first contact around  XX/XX/2017 , I received wildly inaccurate information from their collector,  XXXX   XXXX   XXXX . I was referred to as "  XXXX   XXXX  '', who i am not, i was told my DOB was  XXXX , which it is not. I was asked to pay on a debt outside what is legally allowed within the statute of limitations ( an unrelated account ).   Since that time and for good reason, I was able to get  XXXX  to close their file regarding that account and return the debt t o JH Portfolio Equit ies. I have a letter from  XXXX  dated  XX/XX/2017  stating such. On  XX/XX/2017   JH Portfolio Equities u pdated their report to the credit agencies.   My issue is that i still have not received an explanation as to why that accounts reported balance decreased when i have NEVER made a payment. Additionally , JH Portfolio Equities i s currently reporting a derogatory collection account while refusing to take payment ( i offered on  XX/XX/2017  ) and having no available 3rd party agency to process said payment or negotiations.
Consumer complaint received 2024-10-18
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (PA)

PayPal Credit offe rs both standard and deferred plans.  XXXX  items were incorrectly posted to standard vice promotional deferred plan. When  PayPal Credit  corrected the problem and moved the  XXXX  items in dispute to the proper deferred plan, they incorrectly added each item twice. See below for charges dated   XX/XX/XXXX  and  XX/XX/XXXX  in the amounts of  XXXX ,  XXXX  and  XXXX  : No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX 9* No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$8.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$38.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$7.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$3.00} {$22.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$37.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * I have been attempting since  XX/XX/XXXX  to get this corrected, but they refuse. They claimed they went statement by statement, but that 's the point : each statement since  XX/XX/XXXX  had the three items double billed, for an additonal charge of  XXXX . The excerpt is from my latest statement.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

This is an addition to the previous complaint # XXXX : After begging Ocwen for a Short Sale package they finally did, however it took 2 days to send the documents. However there is concern of FRAUD from Ocwen. Here are the details. 
1.The XXXX system they use would not allow me to see the documents, because I needed an email from them to activate the account. 
2. I advised Ocwen of this, and they said they would put a package in the mail and would also send the documents thru their company e-mail. 
3.At XXXX XXXX and 2 days later, I received the company e-mail with the XXXX page document attachment. 
4. Amazingly, after I received the document, the XXXX, security activation e-mail came thru. ( 2 days later as well ) 5.I went to my bank to fill the paperwork out and the bank ( XXXX XXXX ) faxed the package. Ocwen said they did n't receive it. 
I asked for another fax number and I got, Rep # XXXX, and faxed the second time, from the same bank, to Attention XXXX and she said she would call when she received it, it was her direct fax line.She never called. 
6. Yesterday, I called and verified that it was there with rep # XXXX and he said they did receive the XXXX page package from the bank. 
7. Here is the potential FRAUD, page XXXX, income information. 
a.On the documents sent by Ocwen, page XXXX ( income page ) it has my spouse salary as XXXX a month and my weeky salary at XXXX. These numbers were already filled in by Ocwen. These figures are incorrect and these figures HAVE NEVER BEEN THIS AMOUNT! 
b. On the " secure documents from XXXX '' the salaries were increased amounts, his was XXXX per month and mine was XXXX per week! 
c. On yesterday, I received the mailed package and, page was completely empty, no salaries were listed. 

Note : I have been dealing with this kind of problem for several years. I originally wanted to keep my house. At this point, I want to get a reduction on all of the inflated fees on the mortgage, and the ability to avoid foreclosure and complete a short sale my home and receive a relocation package. My spouse is a Veteran and served his country faithfully, both of us have worked hard and I still do, we just want to be treated fairly and Ocwen has not done it. 
It appears they just want to foreclose XXXX XXXX by any means necessary. Your help is very much appreciated in this matter.
Consumer complaint received 2017-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

I have had my loans sold and moved on multiple occasions. I have never missed a payment. I have been out of school for 8 years and have hardly made a dent into my student loans. I have paid thousands and thousands of dollars and have called many times trying to get into a plan that will actually reduce the overall loan. I have been told I am in forgiveness plans and moved from program to program. I have been falsely led. As a result, despite paying anywhere from $ XXXX {$350.00} a month for 8 years, I have only put about a {$2000.00} dent into the loan. This does n't make any sense and I have had NO help in getting out of it. I have tried to do it the right way. I ca n't get straight answers from anyone about my plan and am routinely talking to people that hardly speak English. I define the entire experience as fraudulent and misleading. There is no reason that I have not had any of this forgiven or made a much larger dent into my student loans. At this pace, I will pay off my house, a much larger loan, in a faster amount of time than my student loan. I have been dumping money into a bucket with no end in sight. I believe I am entitled to a reduction in my student loan number. Not because I do n't want to pay it back and do the right thing. I took the loan, I owe the money. I believe I am entitled to a reduction because I have been taken for a ride for the last eight years and my student loan has not been reduced. I have been mislead and taken advantage of.
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took  XXXX  points off  my credit score and I  am in the process of closing on my house. My first payment is n't due until  XXXX . As it stands, I contacted  XXXX   XXXX   XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out  XXXX  Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (KS)

InXX/XX/XXXX, I began to clean up credit report. XXXX was disputed as paid though XXXX ( XXXX XXXX XXXX, XXXX XXXX NJ, XXXX/ ( XXXX ) XXXX ) and removed inXX/XX/XXXX. ( see attachment ) About two weeks later, XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX -- ( XXXX ) XXXX ) added an account for XXXX in the amount of {$900.00} to my credit report. On XX/XX/XXXX, I called XXXX and told them of this pay agreement and asked for it to be removed and sent a copy though U.S. mail. Also called XXXX headquarters number ( XXXX ) sent to ext. XXXX She said that they showed no agreement with XXXX. first puzzle if they showed no agreement then why was debt minus {$730.00} and disputed overbilled amounts from original billing. I called XXXX and they said paperwork was sent to XXXX on XX/XX/XXXX when agreement was paid in full. returned call to XXXX to let know of this and begins run-around. on XX/XX/XXXX, called XXXX to verify receiving agreement and again received run around. XXXX  told me that day that XXXX repeat of sending over contract confirmation would go though recovery and to call ( XXXX ) XXXX  thyis is a computer and I am not allow into it because I do n't know old phone number from XX/XX/XXXX. HELP, PLEASE
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (NY)

I  XXXX   XXXX  file this complaint against ACS Education Services as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . Howeve r, ACS re ports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment. ACS Education Services has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as ACS Education Services.
Consumer complaint received 2017-06-09
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. (IN)

For the last 9 months charges ranging from {$1.00} to {$21.00} were taken from my account! I talked to people from the call center floor all the way to th e CEO 's office  to redeem these charges! They refused to recover the charges! I am filing this report to let you know how they treat their  XXXX  customers! I am a  XXXX    XXXX   patient that is hospitalized quite frequently! Chase Bank decided to tell me that this is not their fault! I should have paid more attention to my bank statement! I am trying to recover overThousands of dollars that was taken from me that  Chase refuses  to refund to me due to their 60 day policy! I only get, {$960.00} a month! There are to many charges to list in this case!
Consumer complaint received 2017-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Filed disputes with transunion and XXXX in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY (MN)

My Daughter XXXX XXXX ( XXXX ) Signed a Student loan in her 3rd year in college thru Wells Fargo ( Her Bank ). I Co Signed the loan for her to continue her College, She dropped out 6 Months before she would have graduated. She has made payments on this loan since XX/XX/XXXX. This XX/XX/XXXX I began receiving daily phone callers regarding this loan. The callers said they are not allowed to talk to or mail anything to my daughter and I was needed to make up payments. <P/>I have talked with my daughter and she talked to the bank and could not find out anything so we have ignored this per guidance from her bank.
Consumer complaint received 2017-06-09
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: BARCLAYS BANK DELAWARE (CA)

XXXX   XXXX   XXXX   client  XXXX   XXXX  is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are  Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank,  certified mail with return receipt     X/XX/2017   which  Barclay  Bank did receive. A recent credit report  X/XX/2017    still shows the  Barclays  inquiry listed with the credit bureau  XXXX .
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

Business contacted me on a co-workers cellphone that I did not give them permission to contact me at and did not tell them was my personal line to call on. I am unsure of how they got this phone number whether I used this phone associated with this number to contact a few months back but I did not give them this number as a contact or way of communicating with me.