davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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)

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX  DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with Experian, XXXX XXXX  and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Consumer complaint received 2020-12-31
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$430.00}, {$1600.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2400.00}, {$470.00}, {$440.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2024-06-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-08-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am filing a complaint against XXXX, Experian and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I was recently notified by the XXXX Department of Education that I was approved for student loan discharge based on XXXX XXXX evidence. 

The notice includes this : Your loan ( XXXX ) will be XXXX based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

The loans referenced in that excerpt are outstanding federal loans that I obtained to attend The XXXX XXXX XXXX XXXX from late XXXX through XXXX. In addition to the federal loans, I also have outstanding private loans serviced by Navient. These private loans were also used to attend The XXXX XXXX of XXXX during that same time frame. 

The Department of Education concluded that XXXX XXXX XXXX  engaged in misconduct, which has led to my federal loans being XXXX and prior payments will be refunded. Being that my private loans were used to attend the same school during the same time period I want the outstanding private loans to be XXXX and prior payments refunded
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Funding LLC has been sending me collection notices in the amount of XXXX . The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-08-27
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've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.
Consumer complaint received 2021-08-27
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. (FL)

XXXX continues to report to Equifax that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. XXXX is reporting activity dates to Equifax but Equifax does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!
Consumer complaint received 2021-08-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; Experian, XXXX, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Consumer complaint received 2020-12-30
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. (CT)

I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 


Experian tracking : XXXX XXXX XXXX XXXX XXXX. received XX/XX/20 at XXXX
Consumer complaint received 2021-08-27
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. (CA)

I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that XXXX has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However XXXX has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact XXXX.
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Recent mortgage was with PHH Mortgage/Ocwen Services. Ref. Loan # XXXX. I refinanced that mortgage with XXXX by XXXX XXXX  which closed on XXXX XXXX XXXX. All payoffs wired to PHH on or about XXXX, XXXX XXXX with no acknowledgement by PHH that they have received any funds. They are still demanding payments for XX/XX/XXXX and XX/XX/XXXX with the threat of forclosure on my property. I sign onto their website to see if there were any changes to my mortgage account with them and the account shows that they were still holding me accountable for the full amount of the mortgage I had with them. Plus they have been adding extra charges during the pandemic with no explaination on my statements as to why or what those charges were for. 

The new loan closed on XX/XX/XXXX with XXXX by XXXX XXXX. 
Loan XXXX
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2021 I XXXX XXXX applied for a Chase credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by JP Morgan Chase explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021 2021
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX attempt order credit report via annual https : //www.transunion.com/ per alert fraudulent activity related to use of identity use by someone else and to contact TransUnion. I contact via phone and requested copy of report on XX/XX/XXXX and did not receive in mail. I attempt to contact via phone on XX/XX/XXXX and the representative advised could not help with and transferred to department which hung up the line.
Consumer complaint received 2021-08-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (GA)

I applied online with Guaranteed rate on approximately XX/XX/21 for a mortgage loan. It pulled my credit and said I was prequalified. It assigned me to a loan officer. I never spoke with the loan officer until around approximately XX/XX/21 after completing all the online steps. I spoke with XXXX XXXX From Guaranteed rate. She told me my credit score over the phone. She stated it was a XXXX. Why the online site would have said I was prequalified with that score I dont know. But I do know I never received a adverse action notice about the decision with a credit score and reporting agency. I never received this from them. XXXX XXXX also inquired about how much money I had for a down payment. She also stated they like. XXXX or higher score. The type of loan I was applying for was a usda loan.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XX/XX/XXXX, I pulled a free credit report from TransUnion and found multiple " Promotional Inquires '' from a company called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never requested these and this is being done without my permission. When XXXX  the company at the XXXX location, it is clear to see that I am not the only person getting my credit " spammed '' by this company. 
Here are the " XXXX XXXX '' that show on my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA shows one inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA shows six : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I called today to ask them to stop making inquires on my credit. They said that someone would get back to me. But from the XXXX reviews, that is also what they usually say to those who ask them to stop.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2021, I opened a saving account with FifthThird Bank. 

On the same day, I decided to fund that saving account via online transfer from another account of my husband with XXXX XXXX, XXXX XXXX XXXX. To verify that account with XXXX, Fifth Third deposited two small amounts into it and my husband confirmed them successfully on XX/XX/XXXX. 

After the verfication, on XX/XX/XXXX I initiated a transfer of {$10000.00} on 53.com, from the XXXX account to the Fifth Third saving account. 

On XX/XX/XXXX, I received email alerts from Fifth Third Bank saying that transfer of {$10000.00} was suspended, and did not complete. 

However, that money was still drafted from my husband 's XXXX account, and was never returned as of today XX/XX/XXXX. 

On XX/XX/XXXX, I called Fifth Third Bank, and they said the money was rejected by them, so it was never deposited. And they suggested me contact XXXX XXXX. 

Then XXXX XXXX told me that because the transfer was initiated by Fifth Third Bank, they had no infomation about the transaction, and did not know when it would be returned. 

On XX/XX/XXXX, I asked XXXX to request a return for that transfer, as suggested by one email alert sent by Fifth Third before. However, that request was reversed by Fifth Third on XX/XX/XXXX, and Fifth Third charged me {$37.00} overdraft fee.
Consumer complaint received 2021-08-27
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-12-30
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. (MA)

Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that Equifax ; transunion and experian actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from XXXX at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
XXXX XXXX
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This complaint is against Bank of America Most of the time, BOA employees are good and do their job well. 

This issue is about my business account ( Account name : XXXX XXXX XXXX ) On one occasion, I sent a check ( through BOA bill payment ) of {$860.00} to the wrong person. I sent it to XXXX instead of XXXX. I called small business customer service on XXXX XXXX ( 3 days before the person cashed the check ) and put " Stop Payment '' on check. I explained to them that this check is sent through " Bill Pay '' and gave the check number " XXXX '', but person XXXX fingered it and put XXXX. The check was cashed on XXXX XXXX. For some reason, that person also removed XXXX from Bill payment. 

Later when I called to see why I didn't get the credit and how check was cashed even after putting " stop payment '', " Bill payment '' told me that " small business '' shouldn't have put stop payment on the check as the check was sent through bill payment. And " stop payment '' by small business department doesn't work on checks sent through Bill payment. 

And now every department is just denying to correct this situation and not taking responsibility to correct your mistake. BOA representative from " small business '' shouldn't have put a stop payment on the check and should have sent me to the " bill pay '' department. So even though I called 3 days before person cashed the check, bank of america was wrong in their steps to put " stop payment '' So please help me get my money back. 

Another thing is : calling customer service phone numbers and getting somebody to talk to is very time consuming. You always have a high call volume and every time call is transferred to one department to another, you are again placed on hold. I am on call for the last 99 minutes and still no resolution. 

XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-12-31
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. (AR)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately