davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/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 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
Consumer complaint received 2024-06-04
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: Solar Mosaic LLC (OK)

XX/XX/year> a salesman for XXXX XXXX XXXX XXXX came to my home and pressured me into signing documents for solar panels. 
XX/XX/year> I sent Notice of Cancellation Refusal of Services to XXXX XXXX XXXX. 
XX/XX/year> XXXX XXXX  Customer Support emailed me to inform that they received the Refusal of services. 
On XX/XX/year> I was notified by credit reporting agencies that an account had been opened by Solar Mosaic LLC in my name. 
On XX/XX/year> I sent via certified mail notification of disputing this account from my credit report and confirmation of refusal of services. 
On XX/XX/year> I spoke with representatives of XXXX XXXX XXXX and Solar Mosaic informing them of this dispute to my credit report and the opening of the account. 
I have called both companies weekly to confirm status of this dispute. 

As of XX/XX/year>, no satisfactory response has been received from XXXX XXXX XXXX and Solar Mosaic to resolve this dispute.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthday : XX/XX/XXXX Social Security : XXXX UNDER SECTION 1, IDENTIFICATION RECORDS, Identification Record 81 is the ONLY ACCURATE IDENTIFICATION RECORD. ALL OTHER IDENTIFICATION RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 2 : ADDRESS CHARACTERISTIC, ONLY RECORD 13 IS ACCURATE. ALL OTHER RECORDS UNDER ADDRESS CHARACTERISTIC ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 3 : PHONE RECORDS, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. THESE ARE NOT MY NUMBERS.

UNDER SECTION 4 : EDUCATION RECORDS, ONLY RECORD 2 AND RECORD 4 ARE ACCURATE. ALL OTHER RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 5 : ONLINE MARKETING, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 6 : LIENS, JUDGEMENT, CIVIL FILING, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 7 : AUTOMOBILE INSURANCE POLICIES, ONLY RECORD 2 AND RECORD 3 ARE ACCURATE. ALL OTHER RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 8 : AUTOMOBILE INSURANCE CLAIM RECORDS, RECORD 1 MUST HAVE NOT AT FAULT INDICATOR PRESENT IMMEDIATELY. IT IS BLANK. THIS IS UNACCEPTABLE. I HAVE SHOWN PROOF THAT BOTH PROGRESSIVE AND THE POLICE REPORT HAVE SAID THIS IS A NOT AT FAULT ACCIDENT. LEAVING IT BLANK IS CAUSING MY INSURANCE PREMIUMS TO BE OUTRAGEOUS AND I CAN NOT GET INSURANCE WITH A PERFECT DRIVING RECORD. 

UNDER THE XXXX XXXX REPORT, OTHER PERSONS INFORMATION WHO ARE NOT ME ARE PRESENT ON THIS REPORT. ONLY RECORDS PERTAINING TO NAME XXXX, XXXX FOR THE DATE XX/XX/XXXX AND XX/XX/XXXX ARE ACCURATE. PLEASE IMMEDIATELY REMOVE ALL RECORDS RELATED TO XXXX, XXXX AND REMOVE ALL RECORDS RELATED TO XXXX XXXX XXXX. THESE PEOPLE ARE NOT ME AND SHOULD NOT BE ON MY REPORT AS IT IS INACCURATE. 

I AM NOT A RISKY DRIVER. I HAVE A SPOTLESS DRIVING RECORD. I HAVE DECENT CREDIT WITH NO COLLECTIONS AND NO DELINQUENT DEBT AND LOW CREDIT UTILIZATION. INACCURATE LEXISNEXIS DATA IS CAUSING MY CAR INSURANCE QUOTES TO BE THAT OF A RISKY DRIVER. PLEASE CORRECT THIS IMMEDIATELY. POSSIBLE LITIGATION WITH A CONSUMER RIGHTS ATTORNEY IS CURRENTLY PENDING AS WE GATHER ALL INACCURATE DATA. I HAVE INCLUDED THE DIRECT AUTO INSURANCE QUOTE BECAUSE IT IS REFLECTING INACCURATE DATA FROM LEXISNEXIS AND CAUSING MY PREMIUMS TO BE UNAFFORDABLE. CORRECT THIS NOW. 

PLEASE NOTE THAT I CAN NOT SEE MY LATEST LEXISNEXIS REPORT BECAUSE LEXISNEXIS SENT ME A DOWNLOAD LINK FOR IT THAT DOES NOT WORK. I HAVE ATTACHED THE LATEST LEXISNEXIS REPORT I HAVE WITH THE INFORMATION I AM DISPUTING. PLEASE REFLECT THE DISPUTES AND CORRECTED, ACCURATE INFORMATION ON A NEW REPORT. ALL POINTS IN THIS DISPUTE ARE REFERRING TO THE INFORMATION IN THE ATTACHED REPORT, WHICH I BELIEVE MAY BE ON MY CURRENT REPORT. REMOVE AND CORRECT ACCORDINGLY. 

THANK YOU.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MN)

I was approved for the loan forgiveness and it was not added to my account it is still showing my account at the amount that they were collecting for they never changed it and they're still trying to collect for it. 
They also revolt my account and added more debt to it it is not the original debt that I approved for school is over {$50000.00} now and I never received that much money.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I am a member of USAA bank. I was going on a trip and wanted to deposit physical cash onto my debit card. I went to the XXXX XXXX  ATM on XX/XX/XXXX at XXXX XXXX  Mountain time at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah. I deposited {$280.00} in cash into the ATM and the " attempted deposit '' failed, I received a receipt stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number on the back of your card ''. I did not receive the electronic transaction nor did the ATM give me back the XXXX in cash I deposited. I went into the XXXX XXXX  with my receipt, but the teller said she couldn't help me because " XXXX XXXX  does not own the ATM outside '', despite the fact that the ATM says " XXXX XXXX  '' on it and my receipt says XXXX XXXX  on the top. I contacted USAA on XX/XX/XXXX to submit a claim disputing this action and even submitted a photo of the receipt from the ATM. On XX/XX/XXXX I received a document stating " We don't have any record of the deposit attempt ; therefor, we're unable to further assist with the deposit dispute. Please contact the owner of the ATM for further assistance ''. I am willing to provide scanned photos of each document.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NY)

The following inquiries on my report are fraudulent and were not performed by me : 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC (MD)

XXXX is currently reporting inaccurate information regarding a credit card account since XX/XX/2024 which is the last reported balance update on my XXXX report. I've disputed the inaccurate information unsuccessfully XXXX times. The very first time speaking with an agent at XXXX, I was advised that the incorrect balance could be " manually adjusted '' if I'd provide the most recent statement reflecting the correct balance. That date was on XX/XX/2024 in which I also provided ocular proof of correct balance information via upload to XXXX. On XX/XX/2024, I contacted XXXX for the third or fourth time and spoke with a kind representative named XXXX who first informed me that because I lived at my current address for less than 90 days, that I needed additional screening to proceed with conversation. I've owned and lived in my current residence for almost 4 years now ( currently reporting on XXXX ). After my correction, we proceeded with my inquiry. After explaining my issue, XXXX had informed me that Mercury had told XXXX to " not change '' the information which baffles me. XXXX did confirm receipt of my upload with correct statement balance. After conferring with a superior, XXXX informed me that the only course of action for me would be to contact my creditor ( Mercury ) and ask them to respond to the dispute that was sent. I then contact Mercury directly. The associate confirms for the second time that my correct balance was reported to XXXX on XX/XX/XXXX which is the day after my statement date ends and that there were not any disputes on my file from XXXX. To expedite a solution, the associate was willing to have a 3-way call with XXXX to rectify the issue. I then reach back out to XXXX to initiate a call and am given an agent named " XXXX. '' XXXX informs me that after confirming receipt of my uploaded document that I would just have to wait until the investigation is over which would take up to XXXX calendar days but usually before the XXXX mark. I express to XXXX that per Mercury, there are no disputes in my file. By this time, I'm just over all of this, however, I pose a possible solution XXXX. I recommend that we complete a 3-way call to Mercury to rectify the issue. XXXX conveniently tells me " We just stopped doing that, Sir. Unfortunately, that's no longer an option. '' I politely digressed and informed him that there was nothing left to do but consult with CFPB for assistance.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent account. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NY)

I rarely used this particular card and prior to being charged I received an email that my payment was processed successfully which I thought was odd. So I logged in and found charges to this card along with a significant late fee of {$30.00} for charges relating to two charges of {$1.00} each. I paid the charges in full but these charges are fraudulent and so is the resulting late fees associated with it. I have noticed lately that because I have gotten older that these companies think they can take advantage of you and use tactics that are completely dishonest and get away with it. 

I have had issued with these credit card companies and have cancelled them with only two exceptions and now I am cancelling this second to last one. 

The company is XXXX XXXX XXXX and should you require any further information and I will be more than happy to provide it
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company XXXX  also offers cards for XXXX  stores. I reported the theft of my card and fraudulent charges to both XXXX  and XXXX aka XXXX bank and they wiped out the card with XXXX  but have pursued me even after many requests for proof it was me and never providing it and me telling them it was theft and not me and now they've sold the debt to a Third party who is suing me for it.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (WV)

I called the original creditor XXXX XXXX XXXX in XXXXXXXX XXXX. I asked why they are saying I owe a debt? They said you probably left the apartment a mess. I said I did not. They said you probably caused damage. I said I did not. I asked do you have any Pictures or receipts? They said yes somewhere in a file. They asked me to call back the next day. I did. They said they couldn't find the file and to call back next week to give them time to find it. I called back and my number was ignored. 
I then get letters from a company called National Credit Systems Inc. I logged in to their site as requested. I opened a file that says itemization of charges. The file is empty. Nobody can explain to me or show proof of any reason I owe money.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NH)

I have been paying my mortgage through on line banking since PHH took over this mortgage in XXXX. At the time, it appears they increased the mortgage due to an escrow change ( XXXX times over a XXXX month period ) yet did not notify me. As a result, my mortage payments for a period were slightly insufficient, then slightly over the amount owed ( after they did some kind of escrow correction ), and then again slightly insufficient after yet another change they made ( I.e. my under and over payments were roughly {$100.00} on a {$6000.00} loan ). Because I had set up monthly auto payments from my bank, I did not look at my electronic bills from PHH. At no time did they send notice to me on escrow changes electronically or via US mail. At XXXX point in XXXX, they unilaterally applied an entire mortgage amount to the principal ( because they state it was not the exact amount and that is their policy ) thereby putting me in default for an entire year after that because the amount had not been applied to any interest. I had no way of knowing this, ( except apparently had I looked at an on line statement, but even if I had, there is no notice of default statement until XXXX of XXXX ), at which time I also received my XXXX  US mail letter which I opened and immediately responded to. 
Yet PHH is inconsistency applying its policies. I have unknowingly been underpaying and overpaying for over XXXX years now, yet for all but XXXX payment, it has applied my payments to principal and interest appropriately ( even when not the exact amount ), yet last year took the {$6000.00} payment and applied it all to principal. There is no adherence to their own policies. 
Just today, after having spent XXXX hours on the phone with the service representatives last week and making the exact payments they told me to make, I see a credit on my account that it not only entirely different from the amount I paid, it is drastically overstated. 
Lastly, for the last XXXX  years, I have had a credit score over XXXX. I pulled my XXXX XXXX today, and learned that PHH has reported late payments and default, reducing my score by over XXXX points. 

PHH is operationally unsound, their people incapable helping resolve issues, have damaged my credit, and have assessed nearly {$3000.00} in late fees that I feel are incredibly unjustified. 

Please let me know what you advise for next steps. 

Thank you.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I deposited my rent check ( for A XXXX I OWN FROM THE Tenant ) on Friday, XX/XX/year>. On Saturday Chase Bank, pulled the funds. It's showing up in my checking acct., however they still haven't released the funds. I spoke to a Supervisor in Chase Deposit Review. He was of no help. Wouldn't give me an answer as to the status of the cleared check. And gave no reason for the hold. Something about it being a new account. I also visited the bank. I spoke with the bank manager, XXXX XXXXThere is no reason it should take more than 2 days to clear an-in state check.
Consumer complaint received 2024-06-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

I tried to use the Vanilla Gift Card at a coffee shop believing I had a XXXX balance left. 
After I swiped the card the cashier told me I only had XXXX cents remaining on the card. I was stunned. As soon as I returned home I looked up the balance and found XXXX separate unauthorized charges for a XXXX XXXX XXXX that were not mine. 

This is credit card fraud by the person ( s ) who hacked my card to make these purchases. 

I contacted Vanilla Gift Card to report the unauthorized Gift Card use. 
They created a " claim '' for me and advised me to wait 45-90 days for the investigation to complete. No money refunded. 

This is XXXX. Have your best XXXXXXXX XXXX  assigned to find these hackers/crooks. It could be an inside job. I have read a massive amount of XXXX posts since this theft occurred and it seems that Vanilla Gift Card and Visa are well aware of this grand scheme to drain their gift cards.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received the resolution letter from Bank of America - Case Number XXXX. 

Bank of America completely disregarded that their banker, XXXX XXXX, was completely unaware of the actual use of funds for the XXXX XXXX she recommended to me. I was very clear the funds would be needed for working capital to expand my business, I am not remodeling, buying a warehouse, or physical equipment. I ONLY submitted the application after verifying with XXXX XXXX that my use of funds fit this product. Bank of America customers CAN NOT submit loan applications at their own free will, you MUST have a banker assigned to you in your region for loan applications.

Every Bank of America representative states " on a recorded line '' great, so pull every phone call between XXXX XXXX and XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 

I have an extra inquiry on my XXXX credit report due to a Bank of America employee, specifically a Small Business Vice President. Clearly this individual does not have the correct knowledge or internal guidelines to recommend funding to ANY Bank of America customer. 

The simplest option was removing the inquiry of XX/XX/XXXX from my credit report, since Bank of America does not wish to do so a lawsuit will have to be filed.