davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX XXXXays straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Montgomery County Credit Bureau (TX)

CREDIT BUREAU SERVICES is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. I will attach the dispute letter mailed to the company XX/XX/23 which is dated, and time stamped. Credit Bureau Services failed to respond to debt validation letter as well as the cease and desist. Delete the account CREDIT BUREAU SERVICES XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I was called today XX/XX/XXXX about a debt owed to a Bank that went into foreclosure called XXXX. I was told that the debt was from XXXX. I was contacted by a guy named XXXX XXXX from XXXX XXXX XXXX who stated that this debt was {$390.00} and now it has turned into {$4000.00} owed! He told me that a collection agency called XXXX XXXX XXXX was trying to collect on the debt. They had sent a total of 35 collection letters to which I never have received 1 letter, tried to have me served papers by the court to which I was never aware of. The whole thing didn't make sense to me because I never had a bank account with XXXX XXXX and this debt was not or never been on my credit report. XXXX could not give me the address, email, phone number for XXXX XXXX XXXX and when I looked them up they are a designer company. XXXX XXXX could not provide a website and the number he called from was XXXX. There is no website for XXXX XXXX XXXX XXXX XXXX. He kept stumbling over his words when further questioned about this owed debt that has now ballooned to {$4000.00}. He had the last 4 digits of my social as well to which I did not reply as being correct or not. I do not owe this debt, if I did who was I to pay? The bank closed in XXXX, I have had no correspondence, its not on my credit report and its not on any filings with the county court. This seems like a scam!
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Inaccurate reporting. I filed a dispute with XXXX XXXX XXXX. They did not respond to my dispute. This item should be deleted.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

TD bank has been sending me paper statements since I opened my checking account. I have NOT and did NOT request these statements. Initially, these statements were {$1.00} then a few months ago they increased to {$3.00}. I called in to inform them that I did NOT request these monthly statements and requested my {$3.00} refund. I was given the {$3.00} refund and was informed that I had to download their application ( APP ) and sign in my account to stop getting charged the {$3.00}. I dont wish to download TD bank app or receive their paper statements. Is it legal for me to be charged {$3.00} if I refuse to do both? I have since been charged again on XX/XX/23. Thanks for your assistance in this matter.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my account wrongfully closed for a check that was motorized and authorized by the issued party. My godfather XXXX received his state XXXX  retirement fund and doesnt have a government issued id due to loss. He was attempting to have me deposit it because check cashing places charge 20 %. Bank of America closed my account because they suspected fraud. They refuse to give me a way to reach a higher standing supervisor who can assist me. Their closure department is filled with rude young women who give sass and snarky responses at every chance.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/2023 I requested documents, insurance documents, RightPath Servicing relied on to make the claim that the proof of insurance I provided, an HOA master policy, was insufficient coverage for the property. RightPath Servicing provided 43 pages of response letters, Note, Mortgage and other communications but not one insurance document they would have relied on to compare the master policy coverage to the HO6 coverage. In their response letter dated XX/XX/2023 it states : " You will need to call the condominium organization and the provider of the master policy to inquire about their classification for personal property, as we do not have enough information to comment on the matter ''. I have done as required, provided proof of insurance coverage to the servicer. The servicer is required to contact the insurance provider if they need clarification on " classification for personal property '' if the lender has any questions regarding such classification. The servicer, RightPath Servicing, has been provided the contact information for the insurance provider and must satisfy the reasonable basis for assessing a premium charge or fee related to forced placed insurance before implementing such a charge. The servicer has assessed a premium charge before satisfying a reasonable basis. If the servicer is unclear of the language in the master policy then the reasonable basis for assessing for forced placed insurance has not been met.The servicer also claims that forced placed insurance was previously in place but has not provided the requested documents to show proof of their claim. If there was forced placed insurance previously in place, that would mean my monthly charge for this insurance would have been included in my monthly mortgage payment but RightPath Servicing had increased my mortgage payment by {$1000.00} per month for forced placed insurance. The requested documents, proof of an existing forced placed insurance policy, is necessary to determine if the servicer was charging for a fee that was already being assessed. This complaint can not be satisfied by claiming its similar to previously answered complaints, this complaint is for failure to comply to a previously filed request for documents.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

My discover card was stolen a couple months ago along with my entire wallet ( including my ID card ) and phone. It was used to create XXXX  XXXX in fraudulent transactions. I disputed all the fraudulent charges made on my discover card and the majority were denied and readjusted to my discover account now showing on my balance. I need these charges taken off my balance as I did not make them & they were done fraudulently. I was told that the main reason for the readjustments were due to the merchants having proof of my ID card being used & transactions being approved via email or text. But as I had mentioned to the discover rep while creating the dispute, my ID card was stolen along with my discover card and my phone. My phone did not have a passcode on it leaving it open for anyone to use. 

Once the transactions were readjusted, I called the discover customer care center who forwarded me to the discover rep XXXX who told me the reasons why the transactions were readjusted. After I told him the reason why those were invalid and to have the readjusted dispute transactions taken off my balance, he began to insinuate that I had in fact made the transactions and almost started interrogating me in regards to the transactions. This was very unprofessional for Discover after being a loyal client for over 3 years paying my credit card in full every month. 

I filed a police report regarding the incident and an FTC identity theft report and have still been denied the disputes. I told XXXX over the phone to either check the security footage of the merchants where the transactions occurred or the signatures given to the merchants where the transactions occurred to figure out who did this with my card. I was told he was unable to check these things. Those XXXX pieces of evidence I listed would figure out who made these transactions and would clearly show that it was not me who made them. Yet Discover is claiming that they have " sufficient evidence '' to deny the disputes. What evidence? That my ID card was used during the purchases? That a verification code was approved via email or text? Anyone who looks even remotely close to me could have used the ID successfully. Employees checking ID 's quickly glance at them and most of the time don't care as long as you present them a real ID. & whoever had my phone had access to the gmail app and also all my text messages. These are not valid reasons to deny my disputes and I will not be held liable for XXXX XXXXXXXX in fraudulent charges that I did not make. 

This is unfortunate that I have to result to creating this report to settle this situation that should have been handled professionally by discover who I saw as a decent credit card issuer before this incident.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-21
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (MI)

On XX/XX/2023, I had online fraud on my debit card for {$290.00}. The bank denied my fraud claim despite the fact I filed a police report because I found the person ( a total stranger ) responsible via XXXX. I would like my money back.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

The company I am having trouble with is chime banking. I ask them why my account was locked and they said a deposit received into my account was not supposed to be there so they closed my account on XX/XX/ for investigation. On XX/XX/XXXX, they made the decision to close my account and say I am not eligible for any funds on my account even after they did not tell me the load I received in my account. I showed them my bank statements and it shows proof of no deposit was made into my account from what I keep getting emails about, even after I showed all my documents of how I received my money in paystubs. I work I am employed this is strange for me to be in this predicament. I had no access to my funds since XX/XX/XXXX till this day of my complaint.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX ( XXXX ) I logged into nelnet to check that my autopay had functioned correctly. I saw that I had no autopay scheduled ( even though I did ) and my payment was marked as late. In a panic I made a manual payment, but no harm done at this point. Today ( XX/XX/XXXX ) I checked my bank account to see XXXX payments made to nelnet. 

Their autopay system is a joke, and who knows how many countless people they are putting in financial harm with double or more payments. I am currently going on hour 4 of being on hold with no end in sight. A quick XXXX search shows me I am not the only person with this issue.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I sent dispute letter to all credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be 100 percent accurate across all bureau XXXX  XXXX ( Equifax XXXX ) XXXX XXXX XXXX ( XXXX Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) these are some of the item like these that need to be removed
Consumer complaint received 2023-11-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 1st Franklin Financial Corporation (GA)

1st Franklin Shared Private information to an non affiliated Third party I demand my information be removed immediately from the consumer reporting agencies XXXX, XXXX and XXXX Also XXXX!
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My first loan payment {$510.00} was due XX/XX/. I Bank of America bill pay and payed the bill on XX/XX/. Today is XX/XX/, and the payment still has not been processed. Called BOA and the associate stated it will be several more days until processed and I will have a late charge. I believe this to be malicious just to get the late charge or they are just that incompetent