davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.
Consumer complaint received 2023-09-28
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. (NY)

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 has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-07-21
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. Thank you. 
XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (GA)

My statement cycle ends on the XXXX of each month ; I had paid a payment to them on XX/XX/XXXX for {$XXXX} to cover minimum due for the XX/XX/XXXX due date. When my statement generated on XX/XX/XXXX it did reflect the payment that I had made and left a balance of {$XXXX} due on my account. I checked this again later in the month and that is the amount that was reflected on my online account {$XXXX} and I decided to pay this card off entirely as I have been doing with other cards, including XXXX separate cards from XXXX. I paid the {$XXXX} amount that was shown as my " current balance '' on XX/XX/XXXX when I logged into the website. The payment was deducted and I anticipated that this balance was satisfied entirely. Today, I log into the account to check and there is a balance shown that generated on my XX/XX/XXXX statement for interest totaling {$XXXX} and there are XXXX transactions showing XXXX separate interest charges ; XXXX for {$XXXX} and another showing {$XXXX}. I am not understanding how if I paid the entirety of the balance shown on the website on XX/XX/XXXX how there is any interest charged to my account. When the statement generated on XX/XX/XXXX my account balance should have been XXXX. As I mentioned, I have been paying off other cards ( including with this same company ) and none of them have done this. I reached out to the company and was only told that XXXX charge was interest due from when Barclay 's acquired my account from XXXX. That happened months ago and any/all balances should have been reflected on the website on XX/XX/XXXX when I paid the entirety of the balance of {$XXXX}. I do not feel I should owe the amount of the XX/XX/XXXX statement balance of {$XXXX} and I would like for the company to remove these charges.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

I have never been contacted by this company collecting a debt for XXXX. The original bill was in dispute with XXXX. During communications with XXXX account was sent to collections. I was only notified once the account hit my credit. I disputed the balance then and explained I was never contacted or notified of the debt. To this day I have not received any information on this debt via mail or phone.
Consumer complaint received 2022-10-18
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. (MI)

I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did not make or authorize these transaction ( s ) that appear on my account. 

Noticed the transactions on my account, So as per Bank Of America I contacted the merchant to attempt to solve the issue and retrieve my money back into account after numerous attempts and being advised that the company was investigating my claim XXXX continue to debit money from my account, I contacted Bank Of America and explained to the representative what was going on she suggested a block from that company being able to debit account I continued to attempt to resolve issue with merchant after months and the issue not being resolved I contacted Bank Of America on XX/XX/2023 to put a claim in for monies debited again I only waited so long because I attempted to solve issue between myself and merchant, This is the first thing my bank ( Bank Of America ) advise the customer to do and now that I did that I am being denied my claim without the bank investigating because I did exactly as BOA advises. Also the information the company has does not match with any of my personal information per phone number, customer name, or email. This is why I am requesting an appeal on my claim and boa please do a investigation. As a loyal customer past years I would really appreciate my bank working with me to help resolve this matter..
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 (CA)

Amex Bluebird Direct Deposit Problems - Where is my Money?! 

I haven't received my paycheck for 4 days now. After asking all my colleagues and double checking with HR that my payment went through, I called Amex with my tracing number. ( English speakers : Have fun trying to understand anything coming from their XXXX call center ) After being on hold for 30+ mins, I was told there were technical difficulties and the funds would be available in the morning. 

This same song and dance happened two times the following mornings. 

3 Days and 3 calls later .... 
I was finally able to speak with a supervisor where I voiced my frustrations around NO EMAIL being sent to customers regarding the issue and if Amex planned on paying the late fees I accrued. 

He said if they did they would notify me through email ( lol are you sure? Cuz I didn't get an email about major delay in getting my money ). He also said the issue was with a different vendor and said it would be resolved by morning ( sound familiar? ) It's now been 4 days and I still have no clue where my money is or when it will be available in my account. I'm having to extend my credit and take loans just to cover my expenses. Very upsetting. 


TL XXXX DR -Amex Bluebird -4 days w/o getting my direct deposit from work -Called each day and was told it would be fixed by morning -Still don't have my money -am upset and out of options
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 NumberXXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2022-10-20
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

On Monday, XX/XX/XXXX, I made an initial attempt to contact Mohela. I was on hold for XXXX hour before the call was hung up on. On Tuesday, XX/XX/XXXX, I contacted Mohela again to request a refund of the payments I have made to my account since XXXX of XXXX, after conducting some research on the Federal Student Aid website about this opportunity and Biden 's Loan Forgiveness. I was on hold for two hours again, only to be hung up on, again. I then called yet again shortly after and endured another 2.5 hour hold time. I was finally able to speak with a Mohela representative. She asked me for some identification information such as my name, birthdate, last four of my social, home address, email address, and phone number. I told her that I was requesting a refund to all payments I had made to the account since XXXX of XXXX. She informed me that it was now being processed. However, when I asked how long it would take to " process '' this and reflect on my account as well as when I would receive the refunded money to my account, she told me 90 to 150 BUSINESS days. I was immediately taken aback after hearing this. I was a pell grant recipient and am therefore eligible for {$20000.00} in forgiveness, though my loans were less than that. During the pandemic, I made about {$10000.00} in loan payments to two different student loan providers.

This time frame is absolutely absurd and not realistic for those who are trying to apply for Biden 's Loan Forgiveness. It is also very unjust to withhold the money people have paid and need returned in order to support their living expenses. Other student loan providers are quoting much shorter wait times from 3-8 weeks and I have already seen many other students receive those refunds within the promised time frame.

I had requested some form of confirmation that the conversation occurred and that Mohela was, in fact, processing my refund request. I was told they can not send out confirmation emails or anything to prove they indeed did send in the request. I realize that with the influx of calls Mohela is experiencing, having the money returned could take some time, but it is very concerning to me that they are saying this entire process can take 90 to 150 business days minimum when other student loan providers have a much quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance just 36-72 hours later after requesting it makes me very concerned that this company does not have our best interests at heart and could not care less about the life altering effects that their decision to ignore consumers is having on so many people 's individual lives and well-being.
Consumer complaint received 2024-05-02
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: Resurgent Capital Services L.P. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Substantiation of Account # XXXX Dear Sir or Madam : Your firm has incorrectly listed an account in reference to a debt your firm alleged that I owe. [ In the amounts of {$880.00} ]. 

I would like more information about this alleged debt. 

XXXX. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and XXXX. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and XXXX. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and XXXX. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided, delete this debt and report to all XXXX Credit Bureaus. 

Please send substantiation of the debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Consumer complaint received 2023-08-03
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: Early Warning Services, LLC (CA)

Early Warning System sent me my report. They are reporting fraudulent information on my report and are negatively affecting my ability to get a checking account. I never opened a XXXX account. They are also reporting a Checking account from XXXX thats not even my social security number. I have gave them my FTC report and XXXX and XXXX was both listed on the report along with XXXX XXXX. My identity was stolen and multiple checking accounts were opened in my name. My XXXX account I actually opened was closed due to it being compromised. XXXX stated I dont own them anything so I shouldnt have any negative information in Early warning system at all.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I have a Citi Costco credit card that is able to be used anywhere, supposedly. Since the end of XX/XX/2023, there have been many numerous times where the card hasn't worked and I've had to call Citibank to clear the card. I've verified everything on this account MANY times since then. They've sent out 4 letters with reference numbers since the XX/XX/XXXX, of which I've already verified 3 of those numbers. They've also had me verify the account by using text messages, phone calls, and providing account information. I've had no issue being able to complete the verifications, yet they continue to block the account and reissue more letters. It's been non-stop trying to resolve this matter. I've called at least 100 times if not more, spoken to just as many agents and supervisors, just to be spoken to rudely or hung up on. There have been several who actually cared to listen and acknowledge the issue and tried helping. They've stated that they added notes to the account, in the effort to prevent the problem from continuing, but it still continues. They refuse to acknowledge a problem within the system and just keep subjecting me and my account to this constant harassment. Their Fraud Early Warning Department is a joke and obviously no one there has any real concern about helping their cardholders.
Consumer complaint received 2023-09-05
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I already have a case with CFPB. It's been over 15 days and I haven't heard anything. Actually it's been well over 2 years since I made the initial claim. Money was stolen from my account and if you look at the name of the person who stole it and you'll see he's since been arrested for fraud. If you look at the transactions my understanding is that he used XXXX XXXX  and paid from an account that is clearly not his both XXXX account and bank account. I have requested a new card and they have not sent that or corrected the issue nor have they communicated with me
Consumer complaint received 2023-06-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I took out a mortgage loan back in  XXXX  with the promises of low monthly payment and low interest rates. Since the beginning the payments and the interest rates were not as promise. In  XXXX   Wells Fargo started a foreclosure action against me. I tried to do loan   modifications with the bank but have been denied several times. I am in the middle of processing a loan modification and the bank has scheduled a sale date for  XXXX   XXXX  ; the bank should not foreclose on my home if I am in the middle of a loan modification process. I was a victim of the housing bubble crisis.