davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

On XXXX XXXX, I paid my mortgage, as is customary. 
On XX/XX/2023, I was alerted via email that Experian dropped my credit score XXXX points, due my not paying my mortgage. 
Baffled, I spent numerous hours and days with various banks, the mortgage company and preparing an Experian dispute. This, as the mortgage was paid ( using the same method I've used for years ) ; however, I did not receive credit. 

After approximately a month of research, I learned that the mortgage company erroneously attempted to pull my mortgage from a stale account. 

Today, relative to the mortgage company XXXX XXXX XXXX XXXX error, Experian writes : " Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. '' Experian next 'returns ' XXXX points. 
I am bewildered, as due to the mortgage company 's error, I was hit with a XXXX point decrease. Thus, after it's proven that I did, indeed pay the mortgage and it was the mortgage company 's error, why am I only 'awarded " XXXX points? 
Some years ago, I experienced similar and the credit bureau may provide a mirrored reasoning. However, I also decreased another credit card by 87 %, but only received XXXX ( XXXX ) points with the following alert : " Your XXXX account 's Credit Usage significantly decreased to 0.87 %. 
Credit Usage is the percentage of available credit that you use. Low Credit Usage may have a positive impact on your Credit Score. '' Consumers are struggling to keep up with the exorbitant interest rate hikes. Shouldn't we at least receive an 'exact reversal ' of the credit decrease, when it's due to a lender 's error? Is crediting a consumer less than XXXX what was taken away, due to a lender 's error fair? 
Thank you.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OK)

on XX/XX/26 I was called by Chase alerting me to fraudulent activity on my account. They said due to the nature of the fraud that I did not need to close my debit card. On that same day, 17 different ATM withdrawals were made totaling {$1400.00}. I immediately called that same day to have my card closed. The ATM withdrawals show as being done at an ATM by my house. XXXX XXXX XXXX, XXXX, XXXX Chase started a claim but has denied my claim stating that they can not prove that it was fraud because " nothing has changed on my account and the withdrawals happened in my geographic area ''. Chase has stated that the fraudulent withdrawals were done by XXXX XXXX contactless withdrawals. I have asked for video surveillance to prove that I did not make these withdrawals. Chase then told me I needed to file a police report. I have filed a police report. Case # XXXX. Chase has told the police that they can not release the video surveillance without a search warrant or subpoena and the police said they can not obtain those without the video surveillance.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine. 


I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

I made a purchase at XXXX XXXX of three hotspots for work purposes, made for my company and not for personal use. The bill that was sent to my office was received the day before payment was due ( after a total of 40 days ). My organization paid the bill in entirety upon receiving the statement ( which I have documented proof the day after it was due. XXXX subsequently noted in my personal credit this which lowered my credit score over XXXX points and refused to discuss the matter with me and simply transferred me without explanation or resolution. I appealed this through Experian and have not had a change within my personal credit score. My score was previously impeccable with a rating between XXXX and is now in the high XXXX 's. I have documentation of the billing, payment in full via receipts, and a letter for my organization explaining the entirety of the matter.
Consumer complaint received 2019-05-06
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. (PA)

In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from Experian, XXXX, and XXXX so that i could begin to dispute incorrect credit info. I received Experian and XXXX reports and never received XXXX after receiving the other two reports.I tried contacting XXXX by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that Experian deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Concerto Card Company (NC)

I went to get my new cab registration today for my semi tractor in north carolina i feel like they are stalking every move and purchase i make. My credit limit on my pay pal cash back was XXXX dollars today they lowered it to XXXX its at XXXX no payment do they sent me an email ssying they are closing my account today for no reason no payment do never been late did nit yse this card for cab registration used anotger card. They also lowered a credit limit on another pay pay card to XXXX was XXXX following me everywhere. I have good credit make enough money to cover payments this will ruin my credit.
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: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (TX)

Over 2 years ago, I took out a Title Loan and my Social Security income changed drastically so Title Max attorney allowed me to make payments less the interest. I completed the payment for loan and received my title to my vehicle. For past 4 weeks Ive been inundated with collection calls. I called the number on the Caller ID and these are hard nose collection agents XXXX XXXX. I blocked one phone number then call on another phone number regarding a cleared up by Title Max Legal Department.

They are ignoring the legal decision for to make payments and harassing me to make payments, I do not owe this company any money.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MA)

A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} XXXX loan when i have not applied for a student loan nor do i even attend school, i tried going on the XXXX website and tried to log in then it is saying that they need 2 Factor Authentication when i have no info for the XXXX website nor do i have a XXXX account nor do i have an XXXX XXXX  loan. i have tried contacting the company XXXX but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX Equifax
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> SS # : XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MA)

I have made 87 payments towards Public Service Loan Forgiveness. Recently consolidated to Mohela and they calculated my payments to be $ XXXX and by my calculation using various calculators this is a higher payment than it should be based on my household income and my household federal student loan debt burden ( my husband also owes $ XXXX ). 

I can not get through to Mohela to get this addressed. Please help!
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA closed my account because it was overdrawn according to their members handbook I had 41 days to get it current. Firstly the reason that it was overdrawn is that a disputed item was returned per USAA and no letter was sent and I have not received one as of yet. The account was overdrawn when the disputed item was returned when I called on XXXX XXXX we discovered that the 1st returned item that was disputed should not have been taken back out of the account and that the dispute was found in my favor. When the 2nd disputed item came through on XXXX XXXX this should have been the original date that the account went negative. USAA representative acknowledged this and escalated to get the 1st disputed item returned to the account. They agreed that it was their issue as to why the account was negative and had they not messed up the account would have not been negative until the other item came through on the XXXX. The account was closed and we have asked the account to be reopened as it was their fault in the first place and they agree that given the new dates the account should not have been closed on the XXXX as it was only 21 days past the correct overdraft day of the XXXX. We have waited for this to happen and it still has not happened. They closed this account per them against the members policy and have done nothing to reopen the account.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

Re : Synchrony Bank XXXX XXXX XXXX Around XX/XX/XXXX, my husband and I paid down nearly all of our cards. My credit limit from my XXXX XXXX XXXX was {$800.00}, and I applied {$600.00} to that balance. It had a wonderful impact on our credit reports. Mine was closing in on XXXX. Fabulous! So we decided to refinance our mortgage and started that process. 

On XX/XX/XXXX, Synchrony Bank claims they received negative data from the credit bureau ( not true ) which led them to slam my limit down to just over {$200.00}. **That put my utilization with them at 97 % and caused a 40 point drop on my FICO score. ** I have had that account almost 4 years. I have a flawless payment history with them. In fact, I have flawless payment histories with all of my revolving credit accounts, mortgage, and car notes. 

When I contacted Synchrony they could not have been more cavalier. They gave me the runaround, every time I asked to speak with someone in senior management they would just transfer me to another person on their same peer level. I begged with them because tomorrow our mortgage company is pulling the final copy of our credit bureaus as that final check before completing the refinance. I got absolutely nowhere. 

They said that the only thing that they could do was open an investigation which would take 30 to 60 days to complete. But that I would have to file a dispute with the credit bureau. That doesnt make sense, because the decision was made by Synchrony. Whatever information they claim to have received from the credit bureau was in accurately reviewed on Synchronys part. -By their algorithm or whatever they use. Im sure its an automated system. 

My request that they rectify this manually, fell on deaf ears. Their error is going to cost my husband and I a much needed re-finance on our mortgage. I can not believe that we have worked this hard to rebuild our credit and establish years of excellent payment history only to have a corporate error stand in our way. 

Im not requesting the credit allowance be reinstated because I just want to go shopping. I want to maintain my responsible credit utilization ratio. 

I deeply hope you are able to help. 

Thank you.
Consumer complaint received 2019-05-06
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. (NY)

The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX   Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

A company, XXXX XXXX XXXX XXXX at XXXX called repeatedly on and around XX/XX/XXXX stating that I owe past overdraft amounts from XXXX on a closed Wells Fargo bank account. They said that if I didn't sign an agreement to pay immediately ( {$420.00} ) and give my bank account information that they would serve me with a lawsuit. I asked for a written confirmation of the debt and they said they didn't have to give it to me and could take criminal and legal action immediately if I didn't sign. 

I gave them my bank account information and signed an agreement to pay without realizing that my rights were being violated. 

Since then, I have called the company and left 3 messages ( they do not answer the given phone number ). I searched for the company 's website and could not find it. There is no address on the written agreement to pay, and so I am unable to write to the agency. I reported possible fraud to my bank and they froze my debit card to avoid withdrawals. I checked my credit report from all three agencies and no past due or collection accounts have been reported. 

The company has also left voice mail messages for my mother saying that I had been " served '' with a lawsuit and that they would take legal action against her, as well. 

Please help stop this violation of consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I am submitting this complaint regarding LexisNexis for reporting incorrect names and addresses on my consumer file. Despite repeated attempts to correct the errors, LexisNexis continues to list inaccurate information, which has affected my credit and financial standing. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information. I request that LexisNexis remove the incorrect entries and update my address to : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX and my name is XXXX XXXX
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (KS)

I have a Robinhood account and I had been locked out of XXXX so I called the supposed number for customer service. I spoke to them and they remoted into my phone and proceeded to try to use my Robinhood account to buy XXXX. Saying they where doing this to verify me and to make sure nobody was using my information to commit fraud. As soon as I realized what they where doing I hung up and stopped them. But not before they bought bitcoin and tried transferring it to another account. My account is now restricted on Robinhood with {$970.00} in my brokerage account I can't transfer back to my checking. I attempted several times to get into contact with an associate at Robinhood. They keep sending me the same message saying they are working on my account and will contact me the next day. This has been going on for XXXX weeks. They will not contact me or unrestrict my account.
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (CA)

On XX/XX/XXXX, there was a collection account opened at collection company named COAST PROFESSIONAL with the amount of {$3000.00}. I was not sure what was this bill about as it stated that the original creditor was from my XXXX school that I graduated in XX/XX/XXXX. I had never received any email or bill from my graduating school that I owed them any kind of bill. To my best knowledge, I only had government loan and the rest I paid my tuition using my own savings. So when I received this letter in XX/XX/XXXX, I was not sure about the letter and thought it was not true. I also gave birth to my child around the same time and did not react to the letter in a timely manner. I reached out to my school in XX/XX/XXXX and school had informed me that they had made a mistake on billing and sent the amount owed to collection. I immediately paid my bill off of the amount {$3000.00} after knowing that the letter was sent to me correctly.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX/XXXX XXXX  has closed their store, so they have reported negatively on my and my husband, XXXX XXXX ' XXXX  acct.as of XX/XX/2019. This is involuntary and we are not at fault. They need to rectify this action as it has lowered our credit score by 15 %. We have always been in good standing with our accounys with XXXX XXXX/XXXX XXXX. 
They are also not allowing me to enroll in their " XXXX credit protection program '' As of XX/XX/2019, XXXX XXXX and XXXX program kept passing me back and forth on the phone, playing games for over almost 2 hrs! from XXXX-XXXX XXXX, just to not allow me to enroll in the credit protection program! It was totally uncalled for! We should still be allowed in the credit protection program regardless of the store being closed! 
XXXX XXXX # XXXX ) XXXX-XXXX XXXX   XXXXXXXX XXXX # ( XXXX ) XXXX-XXXX
Consumer complaint received 2024-09-11
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: CITIBANK, N.A. (DE)

I have been experiencing fraud activity across multiple channels of my account and notice I had two inquires added as I get alert when there is a change in my report. Please have the below inquires removed from our report immediately as they are not recognizable or valid. XXXX XXXX XXXX  and CITi cards
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OH)

I have a mortgage on a property that requires flood insurance. Suntrust bank requires a copy of the policy annually. My association has the insurer forward the updated policy annually. For the last 2 years, at least, they have claimed that they have not received it despite it being sent via fax 3 times, with loan number included. I have been threatened with forced flood insurance in multiple letter mailings. Each year I have to make numerous calls and the representatives I speak with refuse to give me access to a manager. They claim they will send an email to inform the " managers '' but I can't speak to one. In an effort to resolve this issue, both this year and going forward, I spoke directly with my insurer and had a conference call with a representative. They refused to allow the insurer to speak with a manager as well. They claimed they will email a manager and that they would contact my insurance representative in 24 hrs. I will never take out a mortgage with these people again. My time is valuable and I have lost hours of it in attempting to resolve this problem.