davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). Experian continuing to report this information is collusion with XXXX XXXX to violate my consumer rights and is grounds for legal action/arbitration.
Consumer complaint received 2024-05-15
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. (GA)

The account from XXXX XXXX XXXX, Account # XXXX in the amount of {$1700.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted Experian by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on XX/XX/year> ensuring that they will remove this fraudulent account. Experian failed to remove this fraudulent account and did not provide verifiable evidence to prove otherwise. Therefore, Experian failed to comply with the relevant consumer protection laws, therefore if this fraudulent account isn't removed, I have to assert my rights and seek to take further actions in a lawsuit. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, and a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Consumer complaint received 2023-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (RI)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MO)

To whom it may concern, I 'm filing a complaint against Nationstar mortgage due to failure to record my permanent loan modification with XXXX County Recorder. 
On multiple occasions we have spoken with various agents of Nationstar in regards to requests for recording our fully executed agreement with XXXX County Recorder on the following dates, XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX, 2016. Nationstar mortgage, has refused to oblige our demands and we are seeking assistance with this matter. Per Real Estate Settlement Procedures Act - RESPA. It is essential for Nationstar mortgage and the respective investor to complete this obligation following changes to my original loan. I have contacted XXXX County Recorder, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX and they have informed me as of XXXX XXXX, 2016 that no such contact has been made to their office with respect to our constant requests. In fact the county recorded office advised me that the financial institution will need to provide an original wet ink signature of the executed modification in order for them to update their records with changes to my original loan.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank is refusing to endorse a check from the insurance company. There are two separate claims from rain and hail damage and they are combining them as one claim which is over a certain amount to endorse the check! I can not make repairs unless I have the funds!
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I have previously disputed this item XXXX  XXXX Bankruptcy US BKPT XXXX XXXX   XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA Section 611 15 USC Section 1681 and the information must be deleted immediately. ''
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. (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, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX ) XXXX XXXX : {$780.00}.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX, XXXX XXXX I asked Experian and XXXX for proof of repossession of this auto loan. They have not provided that and it has been well over XXXX  days I sent in a dispute letter on XXXX XXXX they just verified it with no proof of repossession or proof of lien XXXX I sent another letter requesting this information on XXXX XXXX. They have not provided me with any documentation. 

Under the FCRA, if a consumer disputes the accuracy of any information on their credit report and the credit reporting agency ( CRA ) can not verify the accuracy of that information, the CRA must promptly delete that information from the consumer 's credit report.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (AL)

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX and Associates Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Bank Account XXXX Account Name : XXXX XXXX XXXX. 
Account XXXX Account XXXX : XXXX first XXXX Account XXXX
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (CA)

I had a XXXX XXXX XXXX Visa card. I was paying my bill on time every month on-line. I received an electronic notification from my credit monitoring system that my account was closed. I called XXXX XXXX and was told they had changed the address of my account due to information received from the United States Postal Service. The address was my children 's new apartment that I had co-signed for but never lived in. I NEVER changed my address with them or with the United Postal Service. The reason for closing my account had something to do with returned mail, which would have occurred because I never changed my address! 

I never received any of their mailed notifications, because I never changed my address. I never had a message from the payment site in the secure message section. I never received a voicemail on my phone that has also not changed. They changed my address WITHOUT my consent and then when they couldn't reach me, they closed my account which will negatively affect my credit. 

I am unable to get basic information on my account without providing numerous identification information, how are they able to take the USPS incorrect information to change my account?
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Self Financial Inc. (CA)

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified XXXX  days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (VA)

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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX reported my account 30 days pass due XXXX XXXX. When the money has came out of my account. I have prof of funds from my bank statement this loan was payed in full before it was even reported.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

My credit score was XXXX last month now its XXXX, don't understand why it went down. I was told don't close out your account, or it will automatically fall off. I been working hard to keep my credit score up. Rooms to Go and TJ Max has not favored me, because I've closed that account out, Please help me.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I had selected the Standard Repayment Plan and had gone through the process to set-up Auto-Debit so my student loan payments would be automatically withdrawn from my account. My first payment was made smoothly in XXXX. Then, I received a notice that my account was automatically put into something called Administrative Forbearance without my permission. My XXXX payment was not withdrawn from my account, my Payment Amount Due in MOHELA isnt showing up and the due date for my payment isnt showing up either.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer.
Consumer complaint received 2023-12-06
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

I received a {$270.00} pre-paid Visa card from MyPrepaidCenter.com in   XXXX   2016. The card was labelled as " Valid Thru  XXXX  ''. I last used the card in  XXXX  2016 and it still had a value of {$93.00} according to MyPrepaidCenter 's own website. I called them today to have a new card issued and they said they would only do it if they charged me a {$15.00} fee and also they have been charging me a {$3.00} maintenance fee every month for the last 8 months since this arbitrary " valid thru '' date passed. Now they say the value is {$62.00}. I believe these fees are illegal and violate the CARD act, and a {$15.00} reissue fee is excessive.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few minutes ago, I filed a complaint against BOA due to their incapability of doing a proper and thorough investigation for a customer who has been a victim of Identity Theft. 
BOA was my first bank and I banked with them for over 10 years. I can not believe how horribly they treated me and continue to treat me. A few moments ago, a BOA rep called me and said she saw my complaint and as a " resolution '' is going to send all the info of my claims through mail correspondence. I thanked her but said that's not a resolution, BOA was going to send mail correspondence ANYWAYS, they always do. BOA didn't try to find any solution or compromise for me. Honestly, I do believe they should seek some kind of penalty for their immature way of conducting business. They're supposed to be handling our money and they mock and joke as if it's a game. When I told the representative that wasn't a solution and they were going to send mail correspondence anyways, she chuckled and said Yeah I guess we were and hung up. It's disheartening. I don't why they treat me like this, I can only imagine the injustice they do to people who don't how to report them. CFPB, please correct their behavior!
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Solutions Inc (NE)

AR Solutions Inc. located at XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX is currently go after me attempting to collect {$97.00} for their Client, XXXX XXXX XXXX. However, I did not owe this amount of money ; they only provided me page of paper with the account # and amount that I owe them of {$97.00} with no explanations. 
I visited XXXXXXXX XXXX XXXX in XX/XX/year>, for my yearly routine eye checkup. I paid a {$30.00} copay at the time of the visit and received an unexpected bill of {$97.00} later XXXX. I contacted the doctor office inquired about the charge. Their replied was that I owe them {$97.00} and should pay that amount. They did not provide any reasonable explanation or sufficient evidence. I reached out to my insurance company afterward and they told me that according to the Medical Billing Code submitted by the doctor office. I've received some kind of " Special Scanning '' or used " Special Scanning Machine '' which resulted in the extra fee. Nonetheless, I was only given a simple routine eyes check up, First, it took about 30 seconds to a minute for a nurse to take eyes pressure measurement ; second, use eyes drop to dilatate my eyes, I was waiting for 20 to 30 minutes, then the doctor came in and take a look at my eyes the total time he spent with me was about 3-5 minutes. To my knowledge, there wasn't any " Special Scan '' that I received from this visit. It was just a very simple routine annual eyes checkup. I called XXXX XXXX XXXX asked them to reviews the issue but the med billing department refused to be reasonable and insisted that I owe them the amount. 
I requested AR Solutions Inc. sent me the evidence of how or why I end-up have to pay extra money or an explanation, they only provided me only my account # with the amount that they ask me to pay them. No explanations of how they come up with that amount I suppose to pay them or evidence of any kind of " Special Scanning '' or Machine that use for me. 
Thank so much for your help!
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I submitted a dispute and on XX/XX/XXXX, I received a response from Navy Federal stating the dispute was resolved in favor of the merchant because I had not submitted the requested documents. I called them and someone assisted with pulling the documents I had submitted on XX/XX/XXXX. I spoke with someone else and she advised me that in her experience, I needed to provide a detailed invoice, and that was probably why it was also denied, since they did not have that. I resubmitted the invoice and it showed the tracking number and I submitted the photo of the house it was delivered to, also showing the tracking number from the invoice. I submitted a photo of my house showing it was not delivered to the correct address. On XX/XX/XXXX, they resolved the claim in favor of the merchant stating they said it was delivered on XX/XX/XXXX. My photos clearly show it was delivered on the XXXX as well, but not to my house. The supervisor said she spoke with them and their response was for me to file a claim against the shipper. I did not do business with the shipper, my dispute is who I did business with. It would be up to the merchant to file a dispute to get their funds back for a service they paid for and did not get from the shipper. I am providing XXXX photos. XXXX will show my order with the total. I did receive XXXX item, from XXXX, which I have stated and not disputed. Another photo will show the items with the tracking number. The next photo will show where the item was delivered and the tracking number. The final photo, the black door, will show my house, which is clearly not where it was delivered. For my bank to tell the member, after they see the evidence, to go after the shipping company, is beyond acceptable. If they are the ones who do the disputes, they would know this is not possible and should have given this advice to the merchant, who can actually make an insurance claim against the shipping company, since they paid them.