davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Hello, XXXX has sent {$59.00} to a collection agency for services that never occurred. 

In XX/XX/2022 I paid XXXX XXXX {$51.00} to send a Priority Overnight envelope approx. XXXX miles. My envelope was lost/missed and never left the local XXXX location. It sat for multiple days. I finally drove over to the local XXXX and retrieved my package. I then made the drive to deliver the package myself. 

I made multiple requests to XXXX for a refund in the amount of {$51.00} due to not receiving the service that was paid for and taking the package myself. All requests were denied. I then submitted details and supporting documentation to my bank. After a thorough and months-long investigation, my bank ruled in my favor and reversed this charge. XXXX has now sent {$59.00} to a collection agency for services that never occurred. Can you please assist? Thanks.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.
Consumer complaint received 2024-08-05
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. (NJ)

I recently reviewed my credit report and noticed inaccuracies regarding accounts that are not being reported correctly. Specifically, four inaccurate collections instances are listed for accounts that I have always paid on time. 

Consumer reporting agencies are responsible for ensuring that all information is reported with complete accuracy. My report shows that a XX/XX/XXXXaccount was placed in a collection on XX/XX/XXXX, for the amount of {$550.00}. There is also an account from XXXXXX/XX/XXXX placed in a collection on XX/XX/XXXX, for the amount of {$4500.00}. Additionally, there are two accounts from XXXX XXXX placed in a collection on XX/XX/XXXX : one for {$680.00} and one for {$580.00}. 

I have attached a copy of my most recent report highlighting these inaccuracies.
Consumer complaint received 2023-08-03
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. (IL)

For years since 2017 I have been disputing with the credit bureaus to remove XXXX XXXX XXXX from my credit report, XXXX has removed this account from my report but Experian I feel is holding my life hostage, I have submitted police reports, complaint letter that was also submitted also, Now this company XXXX XXXX has resubmitted this account again to my credit report so it can stay on there another seven years which is against the law, the account is not mine I filed a Identity fraud report the officer that took the report, I have did this over and over again, I need to be able to move out of where I live, and when they run my credit this company is still on my Experian credit report. This problem started as of XX/XX/2017 and its stated that their is a debt of {$5300.00}, This is Fraud I never lived at this complex, I have no written paperwork or contact with this company and I am demanding this account to be removed from my credit report so I can move forward with my life. Please demand Experian to remove this account from my credit report, I am XXXXXXXX XXXX and have been stressed to the max with this situation.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

XX/XX/year> I gave company my signature for a approved bank credit card account and they keep giving me a denied bank debit card account with a legal name error of approved bank credit card legal name. A bank credit card account comes with equal scale, ledger, and gold coin when you had me listed as a denied bank debit card account database by legal name error you need to correct your balance sheet as I am a bank credit card account with equal scale, gold ledger and coin. I need my stuff! I'm illiterate and I have to have a bank credit card account or else thats inhumane to an registered illiterate person than there's a bank denied debit card account XXXX blocking my access to finances from XXXX XXXX XXXX name rule & format. Bank debit card XXXX XXXX XXXX is denying my bank credit card legal name.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2023-08-03
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. (FL)

I'm submitting this complaint to inform 3 Credit Bureaus that the files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX XXXX Balance Owed : {$4800.00}.
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPTUM BANK, INC. (NY)

As of today. Optum Temporary Funding has continued to deny me access to my loan application and/for its concideration for value. I am being told again that i will not be provided with any reason or justification for the denial in writing. It has been over 30 days since i have made those request and Optum has not lawfully answered, replied or rebutted. Under the maxins of Uniform Commercial Code law and principles, all matter is dissolved in my favor. Therefore, Optum is left without recourse except to immediately issue application and or security value to me on behalf of XXXX XXXX as remedy. 
Optum has failed to provide a valid reason for the denial and is illegally holding my application and its security value. I was again inform by the representative that Optum has terminated my application and that representative ( s ) are under strick instructions to not provide me with any information or futher detail. This is a willful denial of my My rights and a direct and wilful proclaimation of continued adverse actions againts me. At this Juncture of time I am Reserving all my rights as on the authority of The UCC, FTC, FCRA, CFR, USC, and TILA but not limited to such. 
As of today. I am a formally presenting Optum with terms of retal of my application security ( see attached ).
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (AL)

Santander consumer is misapplying payments, they now reflect my account as past due when I have made a payment EVERY month since opening the account. They have stated to me that they have sent the account for internal review but I do not trust them to do anything correctly. I have attached all payments since the account was open to this complaint.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I attended XXXX XXXX. I submitted an application to Navient for School Misconduct Discharge for private loans as my situation fits the requirements for discharge. I received a denial letter from Navient with absolutely NO reason why it was denied or a request for more information. I called Navient to get a reason for the denial and what I needed to submit in order for the application to be considered and was told that theres no reason on file so they cant tell me why. No request for evidence or support documents was given to me and no reason was given.
Consumer complaint received 2024-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (FL)

I am disputing an incorrect late payment entry on my credit report related to my Freedom Mortgage account ( Account XXXX : XXXX ). 

On XXXX, I attempted to make my mortgage payment through Freedom Mortgages online payment system. However, due to a technical error with the system, the payment did not post to my account. I was not made aware of this issue until after the payment due date had passed. Upon realizing that the payment had not been processed, I promptly made the payment on XX/XX/year>. 

Despite my immediate action to resolve the issue, a late payment has been reported on my credit report. This is incorrect, as I have never missed a payment by more than 30 days in the history of this account. The reported late payment has resulted in a significant drop in my credit score by nearly XXXX points, causing a substantial financial burden on me. 

I am requesting that the incorrect late payment be removed from my credit report, and that my credit report be updated to reflect that no payments have been missed beyond 30 days. This correction is crucial to restoring my credit standing.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have been with USAA for over 18 years. Clean driving record with the exception of the last2 years. I had three claims with them. The first was after my sister died and I moved to XXXX. I skinned my car with turning on to a lower floor and this was accident forgiven? And no one explained that accident forgiveness still gets put on your record to help raise your rate. The next in XX/XX/XXXX I was rear ended after doing an Open House going towards XXXX not in XXXX. The third in XX/XX/XXXX I turn out of the garage below ground level from XXXX XXXX when a suv was turning in. I had no choice and skinned my car on the upper turnout. The adjusters on my XXXX case were terrific! But here is the kicker. They raised my rate {$300.00} for the 6 month premium because they could. For me that is no explanation and I requested to know why they put such a high marker on the renewal. Again they refused. I looked at their rating and it has slipped to an XXXX i called the Dept of Insurance for Auto in XXXX  and they told me that they should answer me in writing. Here 's the deal When you become a Senior and retire you do not lose your mind. Especially things like this. Shame on you Mr. XXXX XXXX I also got a threat from a claim adjuster XXXX  XXXX from your company Now I have reduced my coverages and one day they add up to XXXX and the next day XXXX This is the matter of two days. Your advocates tell me that is how it is. Now when I had three year olds they would not accept. this. My attorney gave me this address. I feel that the middle accident that I had been rear ended and ended in the hospital. My attorney got my case handled quickly and also USAA gave me a settlement and I Immediately paid off my car, my car insurance and my charges. All went to USAA. 
And I am not the only one who has experienced this. This is not ethical nor honest and I am a retired Realtor with Active License for the State of Il and never did this. In 37 years never a complaint against my license. 



Let me know if you can handle this before my Attorney does. 





Well I finally found out I was right about your company. You have no ethics. The answer came from another company rating my auto. Unbelievable, You paid out money for my XX/XX/XXXX claim where I was rear ended and injured. Went to the hospital and therapy. this could be for the rest of my life. The surcharge is based on what you paid out on that accident. Shame on this company for saying you have ethics. I have substandard coverage now with USAA but I will warn all those who think your company is ethical. Funny thing the money my attorney got from your company to me went right back to your company. Unbelievable. No Ethics at all! Except your dollar bill! 
Thank You that I now feel assaulted. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (CO)

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.

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 2024-08-05
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

I have fraud protection with my business checking with Regions. I never received any fraud alerts from Regions related to the Steam purchases which I could have stopped if I had been alerted. I only received XXXX fraud alert related to the XXXX attempted purchase which I denied as fraud. I never received any fraud alerts related to the fraudulent Steam purchases which is shocking given the total purchase amounts. In addition, Regions does not send me monthly hard copy statements so there was no way I could stop these charges but Regions certainly could have by sending my text alerts about these purchases which it never did. I expect every cent that was stolen from my account returned by Regions. Regions has violated by banking rights and are solely responsible for allowing my money to be stolen. I discovered this fraud and theft in XX/XX/XXXX and the fraudulent purchases appear to have been ongoing since at least XX/XX/XXXX perhaps beyond that as I have asked for my XXXX statements and Regions has not provided them.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (OH)

I am not XXXX percent sure what incident they are referring to but would have been with the XXXX, the only other would have been with a car accident and there is definitive proof that it was paid and never sent to collections. 
All XXXX I believe times I was taken by squad with XXXX XXXX XXXX. They use XXXX XXXX in XXXX, ohio to do the billing. I called XXXX and they said I have nothing outstanding, nothing was charged off or sent to collections. 

The bill collector is saying the hospital XXXX XXXX created this, the only time I was squadded into XXXX XXXX was after the VA XXXX XXXX XXXX authorized and told me to get squadded. Meaning they pay for it, when I arrived to the hospital they got my XXXX ID for insurance purposes and billing. Apparently they didn't bill it correctly, or refused to. Also the XXXX refused to take me to the XXXX  the va said to go to, they have refused service before on an emergency call prior to this also.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/year>, I was charged interest on a payment that was declined due to an error on Goldman Sachs ' part related to my Apple Card. Upon noticing this charge, I contacted their customer service to rectify the situation. However, I was provided with incorrect information about the amount I needed to pay to avoid the interest charge. The payment decline was not due to any fault on my part, and I have records of funds being available when the payment was due. ( See attached screenshots ) When I contacted Goldman Sachs customer service regarding my Apple Card on XX/XX/year>, the representative gave me misleading and incorrect information about the payment required to prevent interest charge. After my initial contact, I spoke with a supervisor who assigned me case number XXXX. I was informed that a resolution would be provided by XX/XX/year>. However, when I followed up on XX/XX/XXXX due to lack of response, I was given another series of misleading responses without any specific or satisfactory explanation. After spending a weekend going through previous statements, I noticed that the XXXX monthly statement showed a total of {$3100.00}. After applying {$400.00} in refunds, the amount I needed to pay was {$2800.00}. This amount, which was reflected as the balance in the XXXX XXXX, was paid in full on XX/XX/year>. 
Due to the incorrect interest charge and misleading information, I have experienced financial impact, distress, and a violation of my consumer rights to accurate information.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

[ XXXX XXXX XXXX ] : This account has been incorrectly reported and should be removed due to identity theft. I have also filed a police report with XXXX XXXX police department in Maryland due to this incident. XXXX, XXXX and Equifax are reporting this information. I have contacted all three bureaus requesting this account to be removed. 

date issued : XXXX XXXX XXXX balance {$6400.00}
Consumer complaint received 2024-08-04
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: NCB Management Services Inc. (FL)

According to FCRA SECTION 605B It is illegal to report any information in my credit report without my permission. Please remove this item from my credit report. I also have requested validation of debt including a copy of the original contract with my signature, at which I have yet to receive these validated documents. Please remove