davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (MD)

I am writing to lodge a formal complaint against LoanCare regarding an unresolved issue with my escrow refund check. I received a letter from LoanCare dated XX/XX/XXXX, informing me about an unclaimed check from my mortgage loan which was never cashed. The letter stated that a check in the amount of {$2100.00}, dated XX/XX/XXXX, had been issued to me but was never cashed, and they are holding the funds for me. 

Upon receiving this notification, I have attempted multiple times to contact LoanCare to confirm this information and request the issuance of my escrow check. However, each time I have called, I have been unable to reach a representative, and my calls go unanswered. 

This situation has caused significant inconvenience and financial distress, as I am in urgent need of these funds. I am concerned about the lack of response from LoanCare and their failure to provide the service and support necessary to resolve this matter promptly.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation (NC)

On XX/XX/year> I sent this company Datamax a letter asking for full verification of how they received my info and proof of contract that I owed them any money with the time limit of 30 days. Its XX/XX/year> and they have chosen to ignore my mail- that they received ( sent certified )- and are still reporting erroneous debts on my credit report!
Consumer complaint received 2022-11-29
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. (PR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (AL)

On my report the date opened states XX/XX/XXXX when I called the CREDENCE RESOURCE MANAGEMENT XX/XX/XXXX at XXXX XXXX  they stated the date opened was XX/XX/XXXX. 
The date closed is not reported on my credit report when I called they stated it was closed XX/XX/XXXX. 
They did not have the date the account as sold, charged off, the date of first delinquency, and the date of last payment. 

The balance is reported is incorrect, I called and asked the balance CREDENCE RESOURCE MANAGEMENT stated it was {$680.00} On my credit report it states that it's {$680.00}. 

How can that be reported as accurate information since XXXXXXXX XXXX XXXX 
This has caused me major emotional damage.
Consumer complaint received 2024-05-02
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. (NC)

Recently XXXX companies ( XXXX XXXX and XXXX XXXX XXXX XXXX, sent me letters of data breaches where information on me was compromised. I was advised to put a security freeze on my credit files at XXXX, Experian XXXX XXXX. XXXX XXXX XXXX were a breeze and I was able to do this in XXXX or XXXX minutes each. 

I have spent many hours over multiple days trying to set up an Experian account. Their website appears simple but always produces an error indicating they are experiencing technical difficulties ; try again. I have used multiple devices ( computer/phone ) and many browsers to no avail. Their online help systems send me in circles. I have called them many times on many numbers but their automated telephone menus send me in circles. I have not found a way to talk to a live person or report an issue with them without already having an account. 

I have found Experian monitoring sites that indicate there is no problem with their system. 

I have found online blogs where other users have had similar problems. Most try for days, weeks, or months and eventually give up. Some have reported this kind of issue recently while others go back many years. 

Experian has a powerful role in the finances of ordinary people. Yet they make it very difficult if not impossible to report the most basic technical issues. 

I understand that setting up accounts may not be the typical complaint you are accustomed to. However, this is a fundamental service that they should provide. I would very much like to deal with them directly on this issue but I found it beyond my abilities to find a way to contact them and am not alone. It shouldn't be this hard. I'm exhausted, they deserve a complaint. 

I am a XXXX XXXX XXXX XXXX XXXX ) and I'm extremely proficient in using them. If I'm having difficulty I'm sure there are many others with the same issue. 

Note : I was eventually able to freeze my Experian credit report without setting up an account ; that is not my complaint. My complaint is I haven't been able to set up an account or contact them about the problem I'm having.
Consumer complaint received 2023-07-06
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. (LA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX 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
Consumer complaint received 2024-08-25
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)

I was looking over my consumer report and once again its some other person violating the laws the Social Security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers.

42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to 20 years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the United States Code that covers how the government pays interest and obligations on its public debt. It is part of Title 31, which covers money and finance, and Subtitle III, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX12 U.S.C. 83, also known as " Loans by bank on its own stock '', is a section of the United States Code that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within six months.15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in 1970 to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - Civil liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested.True accord corporations opened XXXX XXXX say its open reaging the account amount {$230.00} XXXX XXXX XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor also XXXX XXXX XXXX amount {$1300.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

I have been subjected to egregious delays in credit reporting, as my student loans were transferred to MOHELA in XX/XX/2023 from my former provider, XXXX. My XXXX credit report has shown, since XX/XX/2023, my student loans under MOHELA ( four total loans ) as well as the same four still being open accounts under XXXX. Effectively, my XXXX credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my MOHELA account. I am seeking that the XXXX accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.
Consumer complaint received 2024-05-01
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. (PR)

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

I have a total of 6 student loans. The loans were originally under XXXX Servicer but in XX/XX/XXXX all were transferred to Mohela Servicer. 
According to XXXX Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under Mohela. Its showing that I have 6 under Mohela and 6 under XXXX which is INCORRECT. 
I spoke several times to the credit department at XXXX and they said that they transferred all 6 student loans to Mohela and Mohela should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. XXXX said only Mohela can rectify this issue because it was their error. 
I have been going back and forth with Mohela provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear [ Credit Bureau ], I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : Navy Federal Credit Union Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with Navy Federal Credit Union. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Consumer complaint received 2018-04-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (AL)

On XX/XX/2018 I Purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. They packed GAP insurance in the contract after I advised them four times that I didn't want it. The GAP insurance was purchased through XXXX. I contacted XXXX and cancelled the coverage several days after purchasing the car.

On XX/XX/2018 I called XXXX  to see where my refund was and they informed me that they sent an electronic payment/refund to XXXX XXXX XXXX on XX/XX/2018. I called the dealer that same day and I was told that they overlooked processing my refund and that they would process that refund immediately. Their accounting office said that they would send a check to GM Financial. That was almost three ago and I am being informed today by GM Financial that they haven't received a check yet from XXXX XXXX XXXX.
Consumer complaint received 2024-05-01
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. (MD)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MS)

HSBC US Bank closed my account with a balance of {$960.00} for a reason best known to them. They sent me a check, after I deposited the check, the bank where I deposited the check called me that there was a stop on my check, and that HSBC placed a stop check on my check. I tried to reach them but no response. 

When I chat them I got this Thank you for staying connected. Upon checking I'm sorry to inform you that, I see there was a stop check request placed on the check it was then known something was wrong, I have been trying to call but no response. 

I just want my money back.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX I deposit my sister irs check of {$9900.00} into my account due to her now having a bank account I called my bank to confirm what was all needed they explained and I processed once we both went to bank to withdrawal money after being cleared after going inside branch they told me my account had restrictions ( being discriminated ) and I will have to contact customer service once I was able to get in contact with customer they uplifted the hold but they was stating I still had a restriction Ive tried to appeal, get the check sent back, get my account closed, we both did a writing statement still was denied and now its going on 3 years I still have restrictions with balance please help
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Someone stole money from my account in the amount of XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per date. 
( Not sure if thats exact date because they closed my account ) The bank reimbursed me XXXX  : didnt recover {XXXX  and they closed my account.
Consumer complaint received 2024-04-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

XXXX which is the portal used to access my cards information stopped working ( for me as well many other customers ) in XXXX. 

many of the gift cards attached to my account are expiring in XXXX and therefore I am unable to use them before they expire because Blackhawk network cut my access to XXXX 

I am requesting a refund or replacement card for the amount of all my cards that are expiring in XXXX and are attached to my account XXXX. 

I have filed the ticket XXXX with XXXXXXXX XXXX from their customer service.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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 an 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 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CA)

I looked into my Navy Federal Credit Union account and seen that Navy Federal took out {$120.00} out of my share savings account to pay a debt allegedly owed by my niece whose campus checking account is ( still ) linked to mine. I asked for the accounts to be closed back in XXXX when the XXXX  was returned to her mother. The account still remains active and open and reporting a negative balance. 

I called navy federal XX/XX/XXXX, to inquire about getting my money back. When I told her about what I found on the CFPB website about them being sued for deceptive practices with their debt collection practices, the woman became irate and was very rude to me. She told me no, she would not be returning my money and then hung up on me. Now I'm unable to log into my online account. I'm afraid me asking questions and asking for my money back, they will use my money to satisfy my nieces remaining debts and close all my existing account.