davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

American Express has been holding mine ( and countless others ) direct deposits for days with no other information given other than " its a technical issue '' '' but " your money is safe ''. I've been told the problem started Friday, XX/XX/XXXX but no cardholders were notified. On Sunday XX/XX/XXXX my employer transferred my wages to them and as of today Tuesday XX/XX/XXXX I still do not have access to said monies. I did receive an email last evening stating they were aware of the problem and were working on it. I called the number given ( XXXX ) and was advised the funds will be released shortly and no later than 24 hours. As of now ( 24 hours later ) I still have none of this money in my account and now they are suggesting I wait ANOTHER 12 then inquire again. I am not alone and after finally acknowledging this issue via XXXX today, they are no longer updating any of us affected. I have called multiple times, spent hours on hold and have nothing to show but more late fees tacked on by my utility companies. The company is still giving us a run around with no end in sight. I have spoken to both the customer service department with Bluebird by American Express and at the holding bank ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, UT ) but all they can tell me is they see my funds being transferred but are unable to make these funds available until after their technical department has resolved a problem on their end. 

On Sunday ( XX/XX/XXXX ) at approximately XXXX funds were transferred from my employer to XXXX XXXX XXXX XXXX but not made available to me. 

On Monday ( XX/XX/XXXX ) at approximately XXXX I was made aware of a problem via email with no other information. I called the phone number given immediately and spoke to a regular agent as well as their supervisor " XXXX ''. Both parties advised me the problem would be resolved within 12-24 hours.

On Tuesday afternoon with still no funds available a statement was made from American Express via XXXX acknowledging this problem only. I again called the support line ( XXXX ) and spoke with 2 more agents for Amex. Both the agent ( XXXX, employee # XXXX ) and next level Supervisor ( XXXX, employee # XXXX ) told me there are no new updates and to wait another 12 hours. They were able to confirm said funds were being held by XXXX XXXX XXXX XXXX in UT but nothing else. I then called the bank directly but all they could tell me was this has been an ongoing problem since Friday and they are working on resolving it. 

As of this moment I have no other information and/or idea when my wages will be paid to me. I am incurring multiple late fees for being unable to pay my living expenses and as of today I will have to go without much needed medication. I'd just like my money to be made available to me so I can withdraw them and cancel all further business with this company.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS refuse to assist me they want me to give them the house they wo n't tell me why and how I got denied no explanation Cfpb do ur job put this ediots out of business I will not give them my home if SLS want my home they should kill us first then they could have our home SLS not a good servicer they do n't do anything they want me to give them my home without assisting me
Consumer complaint received 2023-04-12
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: Cascade CISS Holdings, LLC (VA)

None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One : Fraud case XXXX I reported a fraudulent use of my credit card on XX/XX/XXXX to Capital one when I saw a charge of {$500.00} to XXXX XXXX XXXX XXXX XXXX. Yesterday I received a letter from Capital One denying the fraud claim saying that they had investigated the charge and found it was valid. I spoke to the XXXX department and was escalated several times and received the same answer of denial. I did learn two things from these conversations : 1. The supposed sale took place at XXXXXXXX XXXX in the morning in XXXX ; 2 ) the card was either swiped or used in person. 
I was indeed in XXXX from XXXX late evening from XX/XX/XXXX when my XXXX ship sailed. However at XXXXXXXX XXXX I was asleep on my cabin on the ship with my spouse. There was no way I could have made an in person purchase. Capital One refused to give me any information about the vendor including address. Indeed, I can not find any trace of the vendor. My conclusion is that when I visited the XXXX XXXX on XX/XX/XXXX ( and made no purchases or went into any storeswith a personal guide ) my credit card information was somehow electronically stolen
Consumer complaint received 2022-12-10
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. (MI)

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 16XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-10
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. (MI)

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 1681XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (FL)

Item 11 : - Account Name : XXXX  - Inquiry Date : XX/XX/XXXXXXXX  Fraudulent Other Accounts Other accounts : - Account Name : ACIMA DIGITAL FKA SIMP XXXX Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


Fraudulent Student loan - Account Name : DEPT OF ED/XXXX  - Account Date : XX/XX/XXXXXXXX  -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer complaint received 2022-12-10
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. (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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  XXXX Account # 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 a account without my written instructions 1
5 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 XXXX 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 2022-12-10
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. (CA)

on XXXX i recived my investigation results from trans union saying account was verified if that was the case i need the method of verification under Section 611 ( a ) ( 6 )
Consumer complaint received 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Ok hey im XXXX XXXX. I bank with Chime mobile banking. So on Tuesday XXXX the XXXXXXXX XXXX  as I was leaving XXXX XXXX XXXX in XXXX XXXX I received a text from Chime that said my chime number and email on my account had just been changed. I didnt do it as I was driving and I was confused. I got a bit worried and pulled over. So then I tried to login and check my Chime account. It said I cant login as I said earlier the email and number on my account had been changed. At that moment I realized someone had to have gained access to my chime account. I then proceeded to call Chime member services to report what had happened. Eventually an agent verified to me that my savings had just been transferred to my checking and then drained. I couldnt see it becasue I still had no access to my account. I then told him that was not me and I never authorized any money transfer as I dont even have access to my account at the moment. I then proceeded to open a dispute with chime for the unauthorized transaction. They said an investigation would commence and to send them what ever info I had at the moment. I did. Then I proceeded to try and get back access to my account as I was getting a direct deposit from my job in 2 days and I needed to be able to show the police the fraudulent money transfer to make a police report. I managed to gain access to my account again after being on the phone and verifying my info with a agent that same day at night XX/XX/XXXX between XXXX. I logged in and saw my savings was gone. {$3200.00} was transferred from my savings to my checking which made it {$3300.00} then it was transferred to another account as a pay anyone transfer. I was beyond stressed and obviously upset. I planned on going to the police station the next day and I did. As I got my police report and went home to show chime I was met with an email that the dispute has already been denied already in 1 day. Before I even showed them my police report. Clearly and investigation wasnt done. I was livid and told them to open it back up and to do a proper investigation and then uploaded to my report. I haven't gotten any resolution yet. I need some help.
Consumer complaint received 2022-12-10
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. (NC)

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
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: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over XXXX XXXX XXXX. I want this account removed off all three credit reporting agencies XXXX, XXXX, and Equifax immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Consumer complaint received 2022-12-10
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. (NC)

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
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: EQUIFAX, INC. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mid-Minnesota Management Services, Inc. (WA)

1. Central Resources is a debt collector who prematurely attempted to collect a debt. 

2. In violation of the FDCPA, Central Resources continued their attempt to collect the debt after receiving a notice to cease and desist. 

3. Central Resources appears to be an unlicensed debt collector in WA state in violation of RCW statutes 19.16.110 and 19.86.020.
Consumer complaint received 2022-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have a XXXX  XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Repeated calls from different and private numbers from commentity bank. Often calling before XXXX. Calling up to 10 times per day. I am unable to pay the debt at this time and I made this company aware of this and they still continue to call.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/2022 I went to Regions bank to the atm to deposit my check which I received in cash. It was XXXX XXXX I put it into the ATM and it gave me a receipt stating that the transaction did not go through. It kept my cash. 
I called that afternoon and they said it would take around 10 days to get my money back, but to call back the next day. On XX/XX/2022 I called around XXXX and they said I should receive my money in my account today because XXXX would come but to call back after XXXX. Around XXXX I called back and the lady told me it would be around 10 days before my money would be deposited. This is my paycheck, I have bills, children I have to feed. I can not play this game with them.
Consumer complaint received 2023-11-09
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. (GA)

15 U.S. Code $ 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 resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXXXXXX 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.