davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (MN)

I'm not able to access my online account with Optum Bank since I no longer remember the password to the account. I would like to re-set my password. 

I sent an e-mail to Optum Bank on XX/XX/2021, stating that I don't remember the password to my account and I no longer have access to the phone on file, and asking if my password can be reset. 

I received a secure message that I would need to call. I e-mailed on XX/XX/2021 stating that I don't have reliable access to a phone. I asked if my password could be reset and tax forms e-mailed to me. 

I received two secure messages with the requested tax forms. I also received a secure message that these forms would be mailed to the address on file, which is not what I requested. 

I received a secure message asking me to provide the following information : -First and Last name -Date of birth -Current phone number -Last four digits of your Social Security Number -Mailing Address I e-mailed this information on XX/XX/2021. 

I received a secure message that I would need to re-send my e-mail as a secure message through XXXX. I sent this information through XXXX. I then received secure messages that I would need to call. 

I've gotten confused with several of the messages I've received from Customer Care. I would like my password reset. I've been able to do this with another financial institution without having to call.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan modification with chase bank in order to save my property from foreclosure and a foreclosure on my credit recorded, so after pleading with chase to obtain a loan modification, i have been forced into a short sale of my property so after so period of time my Realtor located a buyer for the property and made an offer to chase, but chase is telling us at this time there going ahead the foreclosure anyway, they would n't modify the loan and now they wont allow me to sale the property to avoid the foreclosure on my record, i believe this is a great injustice to me and my family by this bank who has received billions of dollars in federal aid paid for by tax payers like myself, can you please help in this situation
Consumer complaint received 2022-10-31
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. (FL)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-18
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. (FL)

For at least a year I have had my XXXX cell phone bill reported to Experian XXXX. 
This resulted in a boost of 4 or 5 points. In XXXX of this year I simply changed the vehicle of payment from my XXXX XXXX XXXX  Master card ending in XXXX to my XXXX XXXX  cash rewards Visa card ending in # XXXX. Inexplicably Experian removed the boost resulting in a reduction of 24 points on my credit score. When I tried to explain that the payment to XXXX  has never been late simply the card from whence it came had changed [ both cards have been registered with Experian XXXX for over a year ], Experian explained that the XXXX  would be picked up once three payments were made with the XXXX XXXX Visa card. Although that seemed unfair I waited patiently. At this writing 4 payments have been made but my requests to re install the XXXX  have fallen on deaf ears. My credit score remains down 20+ points with absolutely no negative credit issues other than inquiries as I am attempting to purchase a home. I have been advised that my interest rate will be 1/4 to 1/2 of a % higher due to the wrongful reduced credit score [ presently XXXX. ] Prior to the elimination of the cell phone bill, my Experian score my score was XXXX.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (IL)

In XXXX, I was admitted to XXXX XXXX XXXX XXXX  for XXXX XXXX, I am a Veteran and was covered by XXXX, XXXX XXXX XXXX. There were two ( 2 ) claims that were improperly filed by XXXX XXXX XXXX : XXXX, {$1100.00} and {$1200.00} respectively, which they subsequently filed with Merchant Credit Guide Co., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had two conference calls with their manager, XXXX XXXX XXXX and included a representative from XXXX. In each instance, the representative from XXXX explained to XXXX XXXX that I was covered for the services under their policy, but that the vendor had improperly filed their claim and that if the vendor would properly resubmit their claim, it would be satisfied. XXXX XXXX said that he would follow up with the vendor and in the meantime place the dispute on hold, however subsequently my credit score on XXXX dropped by XXXX points to XXXX.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I went to deposit money that I had withdrawn from my account approximately 8 days earlier.I added an additional XXXX 5hat Was in my purse. I did not put it in envelope.I never even took the money out of the envelope that the bank gave me. I went to deposit {$8200.00} into the ATM. I did not see the sign that said XXXX bills at a time so I deposited the whole I'm a stack of money. It returned it all back to me Is minus {$2000.00} which is XXXX XXXX bills. I immediately called the bank and told them I did Not want to leave the ATM in case it gave my money to someone else. He instructed me that that I need ed to file a dispute with bank. I did so. I was called by XXXX XXXX the district manager and he told me I was not upset enough on video and that I could file all the disputes I wanted and he was going to keep rejecting them. This was my life 's savings. All I want is my money the atm stole. I also reported to the XXXX  and again they referred me to the same DM. This is absolutely covered in the banks statement that they garuntee to cover issues with checking, debit cards and etc. This is not right, its unfair and I am out of resources to fight a XXXX dollar company. Please help me.
Consumer complaint received 2021-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

National Credit Systems is reporting an erroneous debt on my credit file. This debt if a Apartment complex. I recently sent them a letter disputing the debt because i do not owe the anything, they actually ended my lease early without advising and allowed someone to move in before that lease was even finished. Now they are trying to collect a debt on " damages '' to the apartment. I was sent pictures of the apartment as verification of the debt. There is an issues with the documents sent to me. The apartment in the pictures is not mine. I dont understand why they would put that on my credit I know what I had in my apartment and that is not my place. I have tried to contact the apartments and they refuse to talk to me but this is not my apartment and i do not owe them anything. 
I need this collection removed from my credit file. I will contact an attorney and file complaints with the attorney general. i will use all the resources i can to get this off of my credit file as I do not owe them anything.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (MO)

On XXXX, I sent communication to Lexis Nexis via certified mail requesting their method of verification regarding the bankruptcy that is listed on my credit report. I did not receive a response from Lexis Nexis. I sent a follow-up communication on XX/XX/2021, again requesting the method of verification with no response from Lexis-Nexis. My final communication was sent via email to Lexis Nexis on XXXX XXXX. I received an auto-reply back advising that my email was received. I have not received ANY communication back regarding any of the three requests for the method of verification used for the bankruptcy listed on my credit report. Due to a lack of investigation into this matter, and multiple requests for method of verification, I am requesting to have the information removed immediately from my credit report.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

I have attempted on two occasions to settle this problem with BB & T mortgage department in regards of reporting a late payment on my report in which my account is in current standings. Under the FDCPA laws they have violated my rights numerous times. BB & T has also violated the CARES Act law by reported my information. The dates that they responded to my compliant was XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried to resolve this problem with them directly I am demanding this to be removed from my report. I was never notified in any way of a late payment until it was reported on my consumer report.
Consumer complaint received 2020-01-04
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (AR)

I was deceived in paying for other services and was told I would get a refund if I cancelled them. I was tricked to signing up for option products and the representative told me that I could get the loan unless I sign up for the services. They are also reporting reporting missed payments and when I have proof of payments.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

I made payment to Nations Direct Mortgage on Monday XX/XX/XXXX electronically by my bank XXXX thru electronic payment. I received confirmation for chase that Nations Direct Mortgage was paid on the XXXX, Till today this payment has not been credited to my account. I have called repeatedly on XXXX, XXXX and XXXX and Nations Direct Mortgage can not confirm payment even thou I emailed the confirmation to Nations Direct Mortgage
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (AL)

I submitted my report from the federal trade commission this is NOT my account, I have no knowledge, they threaten a lawsuit. I never owed XXXX to cash net usa, and they refuse to delete the account and threaten legal action
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent in a letter regarding some inaccurate accounts on my credit report and I have yet to get a response from the credit Bureau Equifax regarding this matter which further lets me know that they couldn't complete an investigation and under the rules of the FCRA that warrants immediate deletion. Please help me in resolving this matter thank you.
Consumer complaint received 2022-04-18
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)

Hi I am submitting this XXXX 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 2024-03-22
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. (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied in the past by verifying address, mention a signature waiver which there is none, package was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue.
Consumer complaint received 2021-06-17
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: CREDIT ACCEPTANCE CORPORATION (NJ)

the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTOS XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX