davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

am not liable for this debt with MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone # ( XXXX ) XXXX, I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said Midland Credit Management Inc keep saying is accurate and they won't provide them with any verification.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

I did not receive a document stating from Aidvantage that student loans will start accruing on XX/XX/, and on a phone call with a representative, they said they failed to send it. I did not receive any statements, or correspondence via the mail. Moreover, they incorrectly accrued a massive amount of unpaid interest to my principal balance since XX/XX/, and I do not have correct details on their calculation. Since XX/XX/, I continuously saw {$0.00} amount due on their website for each active loan ( even during and without autopay ) and it was never clear I had to be making monthly payments.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/2020 the company rent to own took XXXX out of my account so I called in and disputed it and on XX/XX/XXXX I was refunded. Another merchant took money out so around XX/XX/2020 I cancelled my card and ordered a new one and specifically asked to make sure no one can take money out now right. They assured me that without the card no one can. I go to XXXX XX/XX/2020 never yet received card and even to this day never activated. Even shows on my account. Yet from XX/XX/2020 - XXXX XXXX I've had {$2000.00} taken from my account and from the exact merchant I disputed and was refunded and then merchants I've never before used even the transaction history proves that the very first transaction ever was after incarcerated. I disputed immediately after being released and was denied. I rebutted and was denied twice. Being told I will get a copy for reasons they are denied yet never received them and I have no idea how anyone can come to a denied decision anyways when this is completely there fault. I have a bunch of screen recordings of all the live chats and phone calls. As well as disputes. Please request documents in a email to me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-13
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: EQUIFAX, INC. (MI)

For the last five years you lie and call my complaints duplicates because of your own criminal fraud behavior, ongoing. Please don't lie again and is sad truly sad. 

Now we have phh mortgage with my mortgage and property together on a letter dated XX/XX/year>. Do I deserve an answer since now you can see clearly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX are 100 percent wrong about ownership of my loan and property. Explain why are my loan at XXXX XXXX
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

My personal and business accounts were blocked by Navy Federal for XXXX  months. When I reached out to Navy Federal via phone, they expressed that my account was flagged " due to XXXX fraud ''. I have spent countless hours on the phone with Navy Federal, filled out an appeal and was given a 3 week response time ( it has been 2 months with no response ) and even resorted to connecting Myself, Navy Federal, XXXX XXXX XXXX XXXXXXXX XXXX on a recorded call to clarify and confirm that the alleged fraud accusations did not occur. Despite the appeal, several calls escalated to management and the hour long phone call with Navy Federal Management, XXXX XXXXXXXX XXXX XXXX  XXXX on the recorded phone call to further stress that no fraud ever took place and that the {$1000.00} attempted transfers from XXXX XXXX XXXX  XXXX account to my Navy Federal account was not fraudulent, the Navy Federal Reps continued to defame my character and falsely accuse me, XXXX XXXXXXXX XXXX XXXXXXXX Bank of fraud. Navy Federal would not allow me access to my funds during this time. Furthermore, I did in fact open a dispute against XXXX XXXX XXXX XXXX through Navy Federal prior to that event that was ignored and never resolved despite XXXX XXXX XXXX promise to me that they would return funds to the Navy Federal once they had initiated the claim against the XXXX XXXX XXXX XXXX  XXXX transfers. Lastly, Navy Federal rejected multiple direct deposits from hitting my account yet they are sending me demand letters to get my accounts in a positive standing.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I filed a complaint on XX/XX/XXXXXXXX  regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXXXXXX  was false. I received a response from Experian Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXXXXXX  I received an alert from experian regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a XXXX XXXXXXXX Account That Was Opened In XX/XX/XXXX, I Received Letters From XXXX  XXXX Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All Three of My credit reports and have found that the information across all three of my credit reports is Inaccurate. Due to Experian 's Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

I have been calling and filing dispute to equifax about the balance on my account being incorrect i have file several dispute and they seem to be ignoring me there was also the balance on my westlake account but they have since fix that now the problem is my credit card and they refuse to fix it i have even got the bank to send me a doc to prove that the balance is incorrect the bank told me they sent over the information since XX/XX/XXXX and they still have not update the information due to this my score is being affected and its not reflecting the correct information. 

I have called them and can't seem to get them to understand the improtantance of updating my information in a timely manner they have also encourage me to buy there service in order to see the most updated information and there is still no change i feel like Equifax has scam me and don't really care how this affects me and moving my future forward due to there in ability to keep my information accurate its costing me to be stuck bank won't loan me and i need a car living in the city im in i have to have a car to move around and i have been trying to finance one but have no luck due to this inaccurate information on my file..

15 U.S.C 1681It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy i think this code which is law is being violated.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1900.00}
Consumer complaint received 2024-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MA)

On XX/XX/ i received an email from credit karma that my account was frozen. This was after being a member of credit karma for all of 2 weeks and only making XXXX deposit into a savings account that hasn't been touched. After receiving the email i contacted a live agent to see what the issue was and he assured me that the investigation team was looking into it and I would be receiving an email shortly in regards to why my account was frozen and how i can unfreeze my account and i waited and i've been waiting for almost over a week now for funds that i need for personal reasons! So this morning XX/XX/ i doubled back to see if theres any updates or if there were other options and each and every customer service agent i spoke to gave me the run around saying id be getting contacted soon by an investigation team and theres nothing they can do. With it already being a week later with absolutely no contact from anyone I find this very unprofessional because their should be at least standard wait time for these sort of things if theres a need for a prolonged investigation because this is peoples hard earned money! Not only that but the agents i spoke to didn't made my experience any better and this is including XXXX and XXXX the gentleman that hung up in my face after asking if there was anyone i could speak to else i can speak to. Not to mention any time i DID ask for a supervisor i was put on hold for ages and left there with no further contact. Realistically when it comes to frozen accounts there should be a quick procedure such as a quick verification of information to easily resolve the issue not to be aimlessly waiting for more than a week with no clue how long you will be waiting for your own money to be released and seeing as i'm not the first customer that has gone through this evidently i'd rather be able to withdraw my money and take my business elsewhere because i have never experienced something like this!
Consumer complaint received 2024-08-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I had a promotional 12 month XXXX XXXX apr plan with comenity XXXX XXXX. My account being on auto pay I was thinking my payments were going towards my balance. But apparently they were all going to another purchase I made after this purchase. Ive been with them for years, never missed a payment or had any issues with them. I even offered to pay the previous balance in full if they can remove the interest charge as it was an honest mistake. But I guess they dont really care about their customers, theyre seller history with the bank or anything. Im very upset.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( 15 U.S.C. Sections 1681 ) Dear Sir/Madam, I am writing to file a formal complaint against Accounts/ Creditors listed below concerning their handling and reporting of my credit accounts in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 A, 604 A, and 605 A. 
Charged off XXXX XXXX Credit Card : # XXXX Charged off XXXX XXXX XXXX XXXX Account : # XXXX XXXX XXXX XXXX Credit Card : # XXXX XXXX XXXX XXXX : # XXXX Despite repeated attempts to resolve issues with the above-mentioned accounts, I have encountered significant challenges in obtaining accurate information and rectifying discrepancies. Specifically, every request I have made to resolve these issues has yielded no results, violating my rights as a consumer under the FCRA. 
I have diligently requested documentation and information pertinent to these accounts, as mandated by the FCRA. However, above-mentioned creditors have failed to provide the necessary documentation or conduct thorough investigations as required by law. 
These actions or lack thereof have had a detrimental impact on my credit report, financial well-being, and rights as a consumer. I have made several attempts to resolve these matters directly with the institutions involved, but to no avail.I respectfully request a thorough investigation into these violations and the appropriate actions to rectify the inaccuracies and discrepancies associated with these accounts, in compliance with the FCRA. 
Your prompt attention to this matter and intervention in ensuring my rights as a consumer are upheld would be greatly appreciated.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PR)

I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I've had a closed Credit card on this business account in the past from Chase, and for the last over a year I kept on getting pop ups with pre approval for the Credit cards in that bank account, so I finally decided to apply, and now they are closing it without saying any reasons, when I did not do any late payments or any other not normal acts.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I sent Newrez an insurance check of {$5300.00} to get endorsed so I can pay for the repairs on my house. This was sent 2 Day Priority Mail by the USPS. Shellpoint who handles Newrez 's Loss Draft Department has refused to endorse the insurance check due to the differences in the amount of the check which is less than the adjusters estimate.The adjusters estimate was {$7400.00} minus the {$500.00} deductible. My insurance company is XXXX XXXX XXXX XXXX XXXX issued payments of {$1600.00} and {$560.00} first. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called Newrez and spoke with the Shellpoint staff regarding required documents. On XX/XX/XXXX I spoke with XXXX a customer service representative from Newrez, and she told me to send the documents to XXXX. Then on XX/XX/XXXX I called and spoke with XXXX from the Sellpoint Loss Draft Staff. He told me they have the required documents and my check was submitted for endorsement and shall receive it in XXXX business days.I told XXXX I am abroad and I provided him with a number in case any issues arise. Today XX/XX/XXXX contacted Newrez and spoke to the XXXX of the Shellpoint Loss Draft staff and she told me the documents were not satisfactory and I will need to sent them again. Also that the check was sent back to my home without an endorsement. She provided me with a portal to submit the documents instead uf using the email address. This company provided numerous obstacles to prevent the insurance check from being endorsed so I can repair my home. Due to Newrez unwillingness to accept the documents they requested and now demand other documents to previously not previously requested will cause a 3 week to a month delay in processing before I can arrange for a contractor to start work on my house. The house has missing drywall due to the damaged walls. This is causing discomfort to my daughters because the insulation of the house is affected. More details available upon request.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX. I was told the claim was automatically denied because the bank wants to be spiteful by not processing my claims by assuming I did make these transactions. There is no proof of these assumptions. Its just an excuse by Bank of America claims department, not to process claim and not inform me of the claim in hopes by them that I will forget.