davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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: CITIBANK, N.A. (NC)

As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX  months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.
Consumer complaint received 2023-06-09
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Uprova Credit, LLC (FL)

Received mail from company " Uprova Credit LLC '', stating I requested a loan in the amount of {$1500.00} and it was denied. I NEVER applied for a loan with this company. States application was denied due to " unable to verify application information '' I shared this info with one of my co-workers. When she went home that day, she had the same letter from this company. She too says she NEVER applied for a loan for this company. Her reason for denial was the same as mine. No phone number to call. Just an address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (PA)

I wanted to transfer {$4000.00} from my XXXX Goldman Sachs account on XX/XX/XXXX to the XXXX bank the money came from so I could pay for things. The bank put a hold on my account and didn't tell me about it until I logged back in after 5 days had passed. I called the bank on XX/XX/XXXX to see what I could do, but they didn't really help with it the first time because I called outside of business hours, even though it says 24/7 assistance. I called the next day, XX/XX/XXXX, to see if they could help. They helped, but they said that my phone number on file couldn't get a verification text. I have never had a problem with any bank where they couldn't get a verification code from my phone. After that they said they would seen me an Affidavit to sign and notarizes so they can prove it is my account so I can access the account. I called back after that intrusion to see how long it would take to get this in the mail, and they said 710 days, which is too long because I have payments due soon for XXXX.I asked to speak to a supervisor to see if they could do anything, and they said they didn't have any on duty and said to call back in 2-3 days to see if they had pressed my request to have it mailed to me faster.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX XXXX HAVE INSERTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$390.00} AS OF XX/XX/2018. THIS ACCOUNT DOES NOT BELONG TO ME AND IS A RESULT OF IDENTITY THEFT. XXXX IS REPRESENTING XXXX XXXX XXXX   WHO IVE NEVER HAD ANY OBILIGATION TO PAY NOR HAVE I EVER HAD ANY DEALING WITH XXXX OR WITH XXXX XXXX XXXX SO HOW IN THE HECK COULD I POSSIBLE OWE EITHER ANY MONIES. I HAVE NEVER HEARD OF EITHER COMPANY UNTIL MY REPORT WAS REVIEWED. XXXX NEVER EVEN SENT A NOTICE TO LET ME KNOW THAT THIS ACCOUNT WAS BEING INSERTED INTO MY CREDIT FILE OR LET ME KNOW THAT I HAD A RIGHT TO DISPUTE BEFORE IT WAS INSERTED. XXXX HAS VIOLATED THE LAW. I HAVE NEVER EVEN SIGNED ANY FORMS TO RELEASE ANY MEDICAL INFORMATION TO ANY COMPANY AS THIS IS NOW A VIOLATION OF HIPPA. XXXX HAS NOT SIGNED CONTRACT OR LEGAL DOCUMENT BEARING MY SIGNATURE THAT THIS ACCOUNT IS MINE.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Hi there! 
I have been battling with the XXXX credit reporting bureaus since last XX/XX/XXXX. I discovered I had been assessed a tax lien in error ( the lien was for a car that was a gift, but I forgot to check the " gift '' box on the title transfer, this the state [ Ohio ] assessed me the tax value ) but I worked with the Ohio Attorney General 's Office and they gave me a lien release letter that I sent on to the XXXX County Clerk of Courts. The lien is removed but should not have been assessed in the first place. I worked with XXXX and XXXX and when I submitted my disputes and paperwork they completely removed the lien from my credit report, but Equifax refuses to remove the lien and just shows that is " reporting correctly '' as being paid in full. This is negatively effecting my credit score and was not my fault in the first place at all.
Consumer complaint received 2024-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

This student loan was taken out to subsidize my plans to pursue medical coding. The dollar amount borrowed was XXXX. In XXXX, unfortunately, I filed bankruptcy, and the loan was put on hold under XXXX XXXXXXXX. Over the ensuing XXXX  years until it was discharged in XXXX, interest accrued to the point of doubling the amount owed. I also was granted full XXXX in XXXX by the SSA, however, Navient did not honor it to forgive loan as I was working part time, to help me pay my rent. In the past XXXX years, I have been trying to work with them to pay down my principle, but this has led no where because of the high interest rate incurred up to 14 % +. I am a XXXX XXXX lady trying to hold down a job to make ends meet. This past month, Navient would not negotiate with me for around XXXX, they only offered me a XXXX payment of interest only, now they have billed me XXXX for XX/XX/XXXX and XX/XX/XXXX. Their punitive and predatory practices have left me in a state of unwell. I had to move in the last month as I was displaced from my former residence of XXXX years and my rent went up XXXX to XXXX, plus an hour commute daily to my part time job. Navient will not negotiate with me and have taken a hard line with me, I am under undue hardship, and I need assistance and guidance of what to do.
Consumer complaint received 2024-03-26
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. (TX)

i have challenged this account multiple times it a authorizer user account im not repsonsible for.it keeps coming back verified.im submitting my consumer report showing this account is not my responsibilty.please see my documents
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

The debt has been paid in full with the doctors office and Eastern XXXX will not remove it from the credit reports as paid in full. I have contacted them and the doctors office has contacted them several times. It is ruining my familys life with this debt staying in my credit report purposely to hurt me. They keep saying its verified but it is not verified and not owed. It has been paid in full.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

The software tried to send me to XXXX and I couldnt access the XXXX and Equifax reports. I asked them to fax me the report to ( XXXX ) XXXX - XXXX. But I am not getting luck. 

I asked for their fax numbers. I want to expidite the recieving of my credit reports so that I can fix and manage my credit. I am needing this get funding. 

Please have them fax me at ( XXXX ) XXXX - XXXX. XXXX and Equifax. If they cant please email them to XXXX XXXX
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I filed compliant on XX/XX/2018 because I was told upon getting my mortgage that XXXX XXXX XXXX XXXX would be paid for through my escrow. The company responded that they apologized if there was a miscommunication but XXXX XXXX was not included in my escrow but Mr. Cooper would make a one time payment to resolve the issue of the foreclosure lawsuit by XXXX XXXX for lack of payment. I received notice via a letter from Nationstar/Mr. Cooper XX/XX/2018 that the issue was resolved and {$1900.00} was paid to XXXX XXXX. After that I received notice that the case was still set for trial on XX/XX/2018. I called Mr. Coopers respresentive XXXX XXXX on XX/XX/2018 and she informed me that Mr. Cooper would pay the balance that was left over because they had only made a partial payment on XX/XX/2018. She said she would forward the request to the appropriate department. I have called and left several messages for XXXX XXXX. As well as emailed the legal documents per another representatives request ( XXXX XXXX ). Mr. Cooper has not responded to my phone calls or emails.
Consumer complaint received 2022-11-10
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. (FL)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I tried to make a purchase at my local grocery store, XXXX, and the card was declined. I tried to call Discover card to find out why and I could not contact them. They said to go online. I went online messaging, and it said my account was closed because of fraud. I did not report any fraud ; I have no idea why my account was closed. Discover won't tell me. There is no information online. I messaged them and they won't tell me. They tell me to call a number which does not work. I am in XXXX. They closed my account and I have no way of paying for anything. They won't send me a new card, they won't explain what or why they did this. They sent a letter to my US address which I am not there. They will not give me any information. I will have to contact the state department and the US embassy in XXXX for financial help because of what they did and they won't tell me why. I did not report any fraud, so I don't know why they did this. I am now stranded in XXXX without a credit card. They told me I have to apply for a new account. I have had this account since 1986, when there was anything suspicious in the past, the card was closed and a new one issued, not shut down the account completely without issuing a new one and without warning.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (TX)

Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to Volvo Car Financial Services ( also known as Polestar Financial Services ) and XXXX XXXX XXXX. 

I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. 

According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns Volvo Car Financial Services ( also known as Polestar Financial Services ) Copies of any contracts signed by me that validate my liability for the alleged debt. 
Documentation proving the authority to make claims. 
Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. 
Certified copies of initial balance sheets for the account in question. 
The entire promissory note related to the debt. 
A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. 
A contract specifically authorizing the pursuit of the alleged debt against me. 
For XXXX XXXX XXXX : Documents substantiating the contractual obligation linking me to the alleged debt. 
Evidence confirming authority to pursue the debt on behalf of the creditor. 
Complete disclosure of agreements and contracts forming the basis of the claimed debt. 
Regarding the credit reporting agencies ( XXXX, XXXX, XXXX, XXXX ) : Detailed records of communications with Volvo Car Financial Services XXXX Polestar Financial Services ) that include names, authorities, contact information, and documented evidence. 
Similar records for communications with XXXX XXXX XXXX, including contact details and documentary evidence. 
Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. 
Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. 
These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. 

I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-20
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. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

I believe the account is invalid. JPMCB CARD ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. JPMCB CARD XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX AT XXXX XXXX ) XXXX Balance : {$5000.00} XXXX  XXXX XXXX Balance : {$770.00} XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & the following inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX 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 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, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (MO)

Ref case # XXXX Companies response says 60 days to investigate. Unacceptable. It's been over 60 days. Both companies has had ample time to provide the requirements of this complaint and correct this matter violating FCRA Section 623 ( a ) ( 1 ) ( B ) and 15 USC 1681 ( A ) ( i )
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

Chase has been aggressively negligent in linking the consumer 's external account via their online portal tools, Secure Message Center, and Chase XXXX XXXX ( XXXX ) line at XXXX ( reference phone call from my phone number ( XXXX ) XXXX at XXXX AM on XX/XX/XXXX  ). Not allowing consumers to link external accounts, or delay doing so, financially benefits Chase because consumers are forced to keep their money with the bank. 

XXXX the XXXX line, the agent was rude, unhelpful, belligerent, unprofessional, left the phone on silent, and ultimately disconnected the phone. Shameless and certainly XXXX of the worst banking customer service interactions I have had. 

Although the XXXX phone agent said that any money market ( savings ) accounts can be linked to Chase accounts, they were unable to provide a reason why, despite confirming correct account number and routing number details, the XXXX XXXX XXXX XXXX account could not be added to the account, using a blanket statement that this type of account might not be addable and refusing to provide any further clarification.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (MD)

Under the terms for my XXXX XXXX Account, interest is supposed to be credited monthly based on the XXXX XXXX for the prior year + 1 %. I submitted a question to Optum Bank this week through their email portal asking what the rate is for XXXX. They responded that they rated is 0.01 %. A rate of 0.01 % does not comply with the terms for the XXXX account because the XXXX alone in XXXX  was over 5 %. Therefore, the customer service rep at Optum Bank either gave false and misleading information or Optum Bank is cheating customers by failing to pay the agreed amount of interest.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is XXXX  to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :