davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lockhart, Morris & Montgomery Inc. (AL)

XXXX XXXX XXXX company via In house collection agency XXXX XXXX XXXX XXXX settled {$6100.00} loan that was allegedly owed by me in 2018. Recently Lockhart Morris & Montgomery has contacted me on several occasions through deception allegeding that they work for XXXX XXXX XXXX XXXX and is collecting a past due debt for them. I have spoken with XXXX XXXX XXXX XXXX numerous occasions and they have assured me that I don't owe them. Lockhart Morris & Montgomery have called me threatening and demanding that I pay them or else using abusive language. Also Lockhart Morris & Montgomery has admitted that I don't owe them anything. I have received abusive phone calls from XXXX XXXX and XXXX XXXX who work for Lockhart Morris & Montgomery.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I am in active bankruptcy but my home is not included in that because it is an investment. I contacted specialized loan servicing in XXXX about doing a deed in leu but they said that I could not because I was in active bankruptcy. At that time I did not have a tenant and asked could my home be taken due to me not paying and they said no because i was in active bankruptcy. I explained to them that the home was not in the active bankruptcy and they stated it did not matter. I received notice on XX/XX/XXXX from attorney about foreclosure on XX/XX/XXXX. I contacted specialized loan servicing and they said that I could not do anything to stop the foreclosure. I sent in modification documents and they are saying that I had to do that 45 days prior to sale date. Well I did not know anything about a sale date. No one there is trying to help me.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (GA)

Please do not close this complaint. This dispute is unrelated to complaint XXXX. Experian and XXXX were not listed in the previous complaint. 

I am filing this complaint against Experian and XXXX for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that Experian and XXXX have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and XXXX immediately.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account is still reporting invalid on my credit report they will not update it with the correct information because its listed as a closed account, when I call and ask them to please correct the invalid information on the closed account they try to tell me that because the account is in a closed status that it doesn't matter about the way it's reporting but yes it does cause its still affecting my scores.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NY)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

inquiries for XXXX appears twice on consumer report with no account Inquiry for XXXX XXXXXXXX appears on consumer report with no account 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written Instructions 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2022-11-01
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. (GA)

This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as XXXX bankruptcy department states debt uncollectible.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

They are reporting to credit bureau on incorrect days. It shows it was reported on XX/XX/2023 but my date is due every month on XXXX. I paid off my credit card and when I dispute the amazing they changed the last report date to XX/XX/2023 with the owed balance. I have prof they are reporting incorrect information
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

I have been banking with Truist for a few years now. I notice that we have incurred alot of inaccurate and excessive overdraft fees. When I spoke with a representative about it, my transactions always were out of order of occurrence and small amounts of money disappeared from my account that cant be accounted for. I have also closed my cards and somehow transactions are still coming through my debit card and I spoke with a representative several times and no one has been able to help me.
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

I have called Aidvantage after receiving no communication from them regarding my loans being transferred to them from XXXX. They still have not set up my account and are now handling my refund request according to XXXX. When I called, I was told XXXX is still handling the refund which seems to not be the case, however I still can not log into an Aidvantage account to receive or check on any updates regarding this issue, and the employees do not seem to know what is happening either when I call.
Consumer complaint received 2015-08-14
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Champion Mortgage keep sending Me FRUGLANT Bills, which was not Agreed upon in my Reverse Mortgage. I have written to them several times and also Report them to cfpb before, But they still continued sending me those Bills. Attach will be Copies of sum of those Bill.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX XXXX, 2014 XXXX : {$0.00}
Consumer complaint received 2024-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/year>, I attempted to withdraw {$480.00} from a Wells Fargo ATM located at XXXX XXXX XXXX, XXXX, PA XXXX, using my XXXX XXXX XXXX. However, the ATM did not dispense the cash, and the receipt I received indicated that the transaction was declined. Unfortunately, I did not retain the receipt, and it was subsequently lost. 

A few days later, upon checking my XXXX account, I noticed a credit of {$480.00}, which included the attempted {$480.00} withdrawal along with {$3.00} in fees. I promptly contacted XXXX XXXX to explain the situation, and they initiated a claim on my behalf. However, on XX/XX/year>, I was informed by XXXX that my claim had been rejected based on " substantial evidence provided by Wells Fargo '' indicating that the cash was indeed dispensed to the customer. 

Seeking clarification, I contacted XXXX again to inquire about the nature of this substantial evidence. However, they informed me that they were unable to disclose such information and suggested that Wells Fargo should provide it. Consequently, on XX/XX/XXXX itself, I lodged a complaint with Wells Fargo, requesting the evidence they had provided to XXXX to support their conclusion that the cash withdrawal had been successful. 

Today, on XX/XX/XXXX, I received a response from Wells Fargo, stating that they are unable to provide camera surveillance records as per their policies and procedures. The excerpts from the email is as follows : " Upon our research regarding your concern, we would like to inform you that, per our policies and procedures, Wells Fargo does not provide video surveillance when requested. We respectfully decline your request to provide surveillance records for the ATM transaction. We cooperate with law enforcement in the investigation and prosecution of criminal activity. We will release surveillance records in conjunction with a valid subpoena or court order. 

Once you have the valid documentation, please visit the branch at the same location for further assistance. While we realize the information provided may not alleviate your frustrations, we hope this response helps to clarify Wells Fargos actions with regard to this matter.

Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. '' I lack any details regarding the evidence that led Wells Fargo to determine that cash was dispensed, especially considering that the case could be resolved by reviewing my receipt and camera surveillance footage.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX CO Date of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 & XXXX BANK XXXX XXXX Inquiry XX/XX/2022
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-10
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: Paypal Holdings, Inc (MO)

On XX/XX/ I sold my XXXX in the XXXX at Wal-Mart XXXX XXXX XXXXXXXX XXXX  XXXX The options for payment were only Venmo and PayPal. I chose Venmo. I was able to access my account just like always. When I received the payment of {$350.00}, Venmo would not let me transfer my money to my debit card or too my bank. And now my account is suspended and NO ONE at Venmo can give me a reason why. I have yet to receive an email stating why my account is suspended.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022. I tried to pay my Chase credit card payment using the Chase ATM outside the bank. However, When I insert the {$2200.00} cash to the ATM, it ate my money and gave me an error receipt. I called the number on the receipt immediately and the person on the phone said they will credited me the {$2200.00} balance to my credit card account while they investigate this error. XXXX months later, I noticed that they reversed the balance. I called them to ask why my payment was reversed and the person on the phone told me my claim was rejected because amount they found does not match {$2200.00} and there is nothing they can do to recover my money. 

I have attached the receipt the ATM gave me the the error happen.
Consumer complaint received 2021-10-19
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. (IA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report and below. 
I am a victim of identity theft and did not make nor approve these inquires. I demand 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

According to " 15 U.S. Code 1681q. Obtaining information under false pretenses '' it states " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. '' I feel these companies should be liable for the false pretenses they took upon my account. The following inquiries should be removed at once. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX  XXXX  Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Open Date XXXX XX/XX/2021
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I recently pulled my personal credit file as I am preparing to obtain funding and found some items on my account that are not accurate information. The Employment Info has incorrect data as I am requesting that the following info is removed ; ie XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX immediately for reporting false documentation of employer info. The also see false addresses reported on my file and i need them to be removed immediately to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only address that should be on file is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed including XXXX XXXX XXXX XXXX OH XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I also see a credit account that is reporting from Navy Federal CU with account number XXXX that needs to be deleted immediately as well. This information needs to be verified or DELETED.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I got my credit report looking to establish credit to find I have a credit score of XXXX loans grants mortgage auto loans credit cards and I've never had any of the above I've never had a bank account or did anything to establish credit
Consumer complaint received 2022-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

i used covid forbearance to postpone payments after i lost my job. freedom mortgage and i then verbally agreed over the phone to restart payments XX/XX/2022, in an XX/XX/XXXX phone call ( that they admit is recorded ). completely out of nowhere, freedom mortgage then foreclosed on me. 

they have also said i get 12 months of forbearance relief plus another 6 months from the VA, and all in all, those 18 months are not up until XX/XX/2022 yet they are foreclosing anyways. 

DEMAND THAT YOU LISTEN TO THE XX/XX/XXXX PHONE CALL THAT WASW 35 MINUTES LONG. YOU WILL HEAR IT THERE.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and Account # XXXX have 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
Consumer complaint received 2023-04-24
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. (CA)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 

The following account is not mine : XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$420.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$230.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$2600.00}, XXXX XXXX : XXXX XXXX XXXX ). Please remove it from my credit report. 
XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The Following Account Was Never Late : XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1100.00} ). Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( No Account Number Displayed on Report ) XXXX XXXX ( No Account Number Displayed on Report ) violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions