davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (TX)

In XXXX of this year I applied for credit with XXXXXXXX XXXX a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being hospitalize in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX
Consumer complaint received 2021-08-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021 I send a letter to TransUnion to validate and delete XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Consumer complaint received 2021-08-14
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: Experian Information Solutions Inc. (TN)

Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, Experian, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could someone at CFPB please address this. 

I have tried obtaining an answer with Experian. This is another attempt. 

I received my updated Experian Credit Report. My Experian Credit Report indicates that this one XXXX account ( Account Number XXXX .... ) has been charged-off ten times. 

Is that right. Can one account be charged-off ten times? 

Please contact me at ( XXXX  ) XXXX, if further information is needed. 

Thank you. 

Sincerely, XXXX XXXX XXXX SS # XXXX
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (CA)

I had my wallet stolen in a XXXX hotel room on XX/XX/2021, there was almost {$1500.00} unauthorized charges on my account. I called them and they said they will block the credit card and send me a new one and open an investigation. Today is XX/XX/2021 the charges were reverse against me and I called them, they said to reopen the investigation they need a police report from where it happened. Im no longer in XXXX and I live about 8 hours away! This was never told to me when I reported the credit card stolen, not sure on what to so since this garbage company doesnt want to help me!
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

1. Complaint is a dispute with a loan/mortgage company, Lakeview/XXXX. 
2. XXXX is refusing to apply a payment of {$710.00} to my XX/XX/2020 mortgage payment and waive the late fees. 
3. XXXX misapplied a payment of {$710.00} and it wasnt applied to my XX/XX/2020 mortgage payment. 
4. The complaint is against Lakeview/XXXX  : Lakeview Loan Servicing , LLC 5. FYI It may be an FHA loan. Im not sure. 

In XXXX of 2020, I made 2 mortgage payments from my XXXX XXXX XXXX  so that I could get ahead of my mortgage payments : A payment on XX/XX/2020 for {$2100.00} ( Actually, a little more than my mortgage payment ) for my XXXX payment A second payment on XX/XX/2020 for {$2100.00} for my XXXX payment I continued to pay the {$2100.00} until XXXX of 2020. I did not have enough money in my XXXX XXXX  for the full mortgage payment. 
So, on XX/XX/2020, I paid {$1400.00} out of my XXXX XXXX, and on XX/XX/2020, a check for {$710.00} was issued from my XXXX account for the balance of the XX/XX/2020 mortgage payment. After that, I continued to make my usual {$2100.00} ( slightly more than a regular mortgage payment ), to this day. 
Lakeview/XXXX  misapplied the {$710.00}. What? Did they think it was just a gift to them? 
They have continued to accuse me of being late with my mortgage payments and charging me late fees since XXXX of 2020 I only recently figured out what happened. I contacted XXXX and they refuse to credit the {$710.00} to my mortgage or to refund me/waive all ( or any ) of the Late fees. They say they can not, but Ive worked with computers, and Im sure somebody can. And I mean, if grocery stores can process split payments, I would think that a big loan company, surely could and should be able to. 

Not only does this put me in a difficult financial situation and is probably doing a number on my credit rating, but I feel as if they are stealing from me, and who knows how many others. 
I'd attach documents but I can't redact personal information from them.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I opened this secure card back in XXXX per the terms and the advertisement the card would graduate in XXXX a year after making all payments on time per credit report and records I received a letter XXXX that said my security deposit would be held another year no reason was provided now in XXXX they are holding my security deposit again with no real explanation I received a generic letter stating it was based on a review but there is no specific criteria for the decision provided. I called citi on XX/XX/XXXX and the representative was unable to provide a reason and there is nothing from stopping citi from continuing to hold my security deposit this traps me since I opened this account under false pretenses I opened to improve my credit score but if I close the account my score will take a hit and they are not holding there end of the agreement. By not disclosing the criteria that I am not meeting I am unable to improve this area to prevent further holding of my security deposit
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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 XXXX and Equifax are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told Equifax as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told Equifax then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told Equifax that as of XXXX I had made no payments. ( See payment sheet and account details Equifax XXXX ) Then they told Equifax that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see Equifax XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, Equifax and XXXX  knows this information. I supplied XXXX, Equifax and XXXX  with copies of all the attached documents a few weeks ago. They told Equifax as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told Equifax that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 Equifax ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2021-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have contected Fed Loan Servicing on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX ) to get a manual recount of specific ineligible payments and they have never responded. Can you please request a manual recount of specific eligible payments? 

Thank you and I look forward to hearing from you.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2021 and XX/XX/XXXX disputing the claimed debt from LVNV Funding LLC- In my requests I asked for validation of the debt and the signed contract to verify the agreement. The company, within 30 days, has failed to comply or remove damaging information from my credit report. 

The unvalidated debt for {$670.00} remains on all three of my credit reports. It is now XX/XX/2021 - and despite my two attempts to dispute the unverified data and request for proof of validation, remains ( 18 days past the limitations ).
Consumer complaint received 2021-01-22
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. (LA)

I HAVE 25 HARD INQURIES ON MY EQUIFAX THATS NOT MINE EVERY TIME I CONTACT THEM THEY TELL ME IT WILL BE DELETED IN 24-72 HOURS I BEEN DEALING WITH THIS ISSUE FOR MONTHS ALSO THEY KEEP TELLING ME ABOUT A FTC REPORT AN THEY NEVER SENT I ALL 2020 ALSO I HAVE A ENTERGY BILL ON MY REPORT THEY REMOVE THAT ACCOUNT AND THE 25 INQURIES OF MY OTHER REPORTS ONLY EQUIFAX GIVING ME A HARD TIME IM TRYING TO GET BUSINESS FUNDING LOST EVERYTHING DURING THIS PANDEMIC
Consumer complaint received 2021-08-14
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. (NJ)

I've been in contact with all 3 Credit Bureaus Trans Union, XXXX  & XXXX i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all 3 credit bureaus. Trans Union was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days XXXX  and XXXX  should have also deleted these items as well. 

Trans Union : Hard Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00}
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. 

On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. 
This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ).

Along with exhibits, documentation, Identification, and laws showing how and when I was violated.

Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k.

Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction.

All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. 

And litigation will follow if ALL my demands are not met.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

It is a Credit Card that I use to build credit and put money to build credit did not use the XXXX to start with like they reverse the credit line giving me a balance of XXXX which is the balance that I have in credit not owed or used only used what I put on the card to make transactions.
Consumer complaint received 2021-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

This is a follow up to my previous complaint. The Money Source still owes me an escrow refund from XXXX. Also, they misapplied my XX/XX/XXXX payment. My payments are made directly to the Money Source and not the Chapter XXXX Trustee. They are not authorized to move my mortgage payment I made directly to TMS to a trustee fund that I know absolutely nothing about. The trustee does not take or manage my mortgage payments. TMS is committing fraud and trying to make it appear as thought I am behind on my mortgage payments. My post petition payments have been paid in full each month since filing for Chapter XXXX 4 years ago, and TMS representatives are lying in the statement they submitted below.

" There are no additional surplus funds owed Ms. XXXX. Regarding the payment status, the Borrower is making payments within a Chapter XXXX Bankruptcy Plan. However, TMS frequently receives partial payments of varying amounts from the Borrower, rather than the full contractual monthly amount of {$1700.00}. Partial funds are placed in suspense until the full payment amount can be applied. As of the date of this letter, the contractual due date is XX/XX/XXXX and there is a suspense balance of {$500.00}. '' Also the {$500.00} should be credited to my XX/XX/XXXX payment. My account should show as current with only the XX/XX/XXXX payment due at this time. I paid my mortgage in XXXX and those funds need to be applied correctly. The trustee does not take, accept, or manage Chapter XXXX payments on my behalf. This is FRAUD! My XX/XX/XXXX payment needs to be applied to my XX/XX/XXXX mortgage payment immediately.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

Called ARS ( Account Resolution Services ) about 2 medical bills to work on paying off. 
after I called they told me that I owed almost XXXX even thou on the credit report the two bill are XXXX and XXXX. They can not show me proof of all these nor will they remove the others from my credit. I'm not goin to pay for items I never got or received just so they can make more money. the interesting thing also is that they show to have two accounts at the XXXX and two at the XXXX and then these few random small amounts. it looks like they just copied/duplicated the bill and changed account number just to collect more. why do you keep letting the scam artist stay in business.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was able to create an account with TransUnion but they say they weren't able to confirm my identity and provide no options to rectify the situation. The only customer service channels offered are XXXX XXXX and XXXX and I don't use either. I'm trying to place a credit freeze because my SSN was leaked. They are required to provide this service and I shouldn't have to create accounts with third parties to have it done. I have frozen with the other agencies with no issues.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McKenzie Paul & Associates (TX)

On XX/XX/2021 A representative named XXXX XXXX of Mckenzie Paul and Associates called attempted to collect a small medical. Debt. I returned his telephone call at XXXX XXXX and attempted to verify the debt as genuine. XXXX would not agree to provide anything in writing to verify the debt to my home. He also threatened to turn me into a collection agency unless I paid the debt today of {$92.00}. I informed XXXX I would be happy to do so once I verified the debt was genuine and mine to pay. 

I asked this numerous times, but he refused to provide me anything in writing verifying the original debt. He also wanted me to pay by credit card over the phone which I deem to be a security risk. He did not have any secure way of payment and I refused to give a stranger my credit card information without verifying the debt as authentic. 

XXXX then became ugly and terminated the call.