davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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. (CA)

I am filing this complaint because Experian has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.
Consumer complaint received 2020-03-25
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, I opened a checking account with capital one bank. I made a mobile check deposit of {$2200.00}. On XX/XX/2023, the check cleared but capital one sent an email that the funds will be available on XX/XX/2023. 
As on XX/XX/2023, the funds are not available for transactions. The bank has placed me on reaching voicemails. I can not reach any agent or customer representatives. 
I have tried to contact them for the past two weeks up to no avail. 
I do not know why they do not want me to assess my funds to be able to pay urgent bills. 
I hope that Cfbp will intervene so that this issue will not happen to unsuspecting customers.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already settled the debt and the collection agency agreed to take it off my records, to which it was written in the letter stating that the debt has been settled. There is still a derogatory mark in my Transunion account. Transunion will not take it off from my account and this is affecting all areas of my life in negative ways, especially during these times with the outbreak where I need to loan some money to survive. Please help.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CO)

In early XXXX of 2018, I ported my number over from XXXX to XXXX XXXX XXXX. I had already received my bill from XXXX for the month of XXXX. Once I ported the number over I contacted XXXX for an updated bill because my invoice was for the entire month of XXXX. I ported my phone number over in the early part of XXXX which would mean I did not owe the entire invoice that they had sent me. On three separate occasions I contacted them to send me an updated bill. The next thing I know, in XXXX of 2018, I get a collection letter from XXXX XXXX XXXX with whom I disputed the debt in writing. I thought the issue was resolved and attempted to contact XXXX again as I was trying to use the phone I had with them for my daughter. I found out once again that they were claiming the balance for the full invoice was still owed and they would not release the phone, even though it was paid for in full, and they were holding it hostage for the payment of the invoice. In XX/XX/2018, I got another collection letter from XXXX XXXX XXXX. Then again in XX/XX/2018, another letter came from Southwest Credit. It would appear that XXXX outsourced a disputed account two more times without validating the amount owed as requested or sending an updated invoice, which was also requested. I do not owe this entire invoice. I only owe a portion of it. I can not contact anyone at XXXX and Southwest credit has not validated the debt even though I have requested it in writing. 
Southwest credit has again reported this to my credit bureau. I am at a loss for words for the strong arm tactics of XXXX  XXXX and their collection agencies trying to force payment of an amount that is not owed. 
All I want is an updated invoice showing the date my service with them ended and I will gladly pay for what I used and no more.
Consumer complaint received 2022-11-04
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. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive been fighting with Bank of America for over 5 years to delete PMI off my account. 

Processing time : 10 days I received a letter stating a property valuation is needed with a fee of {$100.00}. The letter stated once the fee is received it will take 10 days. 

The payment has been sent. On XX/XX/2023, I called Bank of America and spoke to someone named XXXX in PMI department. 

To my surprise he stated that letter is invalid because its more than 30 days-and the process would need to start over, which means the processing time will Not be 10 days as stated in that letter but 30 days or more. 

Its unfair to penalize the customer and further extend the processing time beyond 10 days because of a hidden not disclosed Bank policy.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CA)

I had a cell phone bill unpaid with XXXX that went to collections, XXXX XXXX XXXX and I agreed on repayment terms which I paid as agreed. Per the letter I received afterwards there would be no further collection attempts on the remaining unpaid balance and the item not reflected on my credit history. That did not happen XXXX sold the remainder balance to a new collection agency, source receivables, and they pressured me into paying the Remaining balance owed for the same previously settled account with XXXX remaining balance. I paid this in an attempt to prevent it from resurfacing on my credit. The collection account remains on my credit report ... XXXX is unable to tell me why it was sold again claiming a step was missed by XXXX and as a result the collections was sold again to source receivables. I have attached a letter from the original collection agency XXXX ... can you please affirm this letter and have source receivables remove the item from my credit history? Thank you
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

XXXX of XXXX XXXX General Manger XXXX XXXX  & XXXX XXXX service manger called me XXXX  ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX  key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX   stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX  AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX  ( XXXX ) XXXX XXXX
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Hi there, On XX/XX/2020, I opened a personal checking and savings account with Chase Bank. The account opening process was successful until after two weeks when I received a mail from Chase Bank that they have taken a unilateral decision to close my account. This took me aback since there was no prior communication from the Bank to discuss any such issues with me. 
I reached out to the Bank and they confirmed their decision but can not provide any further information as to why that decision was taken. 
I went to the branch where i opened the account to ascertain the veracity of the issue and to speak to representative who helped open the account for me. The rep could not fathom why the account was closed. She then reached out to the fraud department and they confirmed the action by the bank and that they would not give me reason for their action and the action is irreversible. 
I am an XXXX XXXX  and an XXXX in the XXXX XXXX and I think this is very discriminatory to say the least because I have pulled my credit report from the three major credit bureaus and there was no derogatory or adverse findings on my report. 
I would therefore be grateful if Chase Bank can provide reasons why they closed my account without telling me the rationale behind their actions. 
I request more explanations for their actions so that if I were a victim of identity theft I can take necessary steps to secure myself and I also would appreciate it if they can restore my accounts. 
Thank you so much and I look forward to hearing from you soon. 
Please do not hesitate to reach out to me if you need further information or clarification. 
Sincerely, XXXX
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

I am locked out of my MOHELA account. I had saved the password for my browser, so I am sure I did not incorrectly enter it. I tried to go through the online password reset, but when putting in my date of birth and social security number, I am told I do not have an account. When I go to register a new account though, it says my account already exists. 

I have tried calling customer service on XX/XX/30 and XXXX, but the phone hangs up automatically while on hold at the 90 minute mark ( or before ) without ever connecting me to anyone. There is no other contact info. 

Given the ongoing student loan climate, being able to access my account is critical and MOHELA is making it impossible to receive help.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have on-going monthly charges from XXXX XXXX from approximately XX/XX/2019 through the present for services that I have not requested nor received any services for. I have called XXXX XXXX twice and they told me on both occasions that they have no idea why they are charging me nor can they stop the billing. They suggested I call my credit card company, Chase Southwest card. Over the past two weeks I have both disputed charges through my phone app and made three phone calls to Chase trying to resolve this. I have literally spent several hours on hold ( Today 1 hour 45 minutes ) with no resolution other than I should speak to the fraud department where I was told I would have another hour plus wait to speak with someone. To date the charges to my card are approximately {$800.00}. 
Please help me resolve this matter. It shouldn't take hours to report and resolve fraudulent charges, especially in these days with Corona virus and food shortages.
Consumer complaint received 2023-05-11
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. (NY)

I have sent several letters asking to remove some items from my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX 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. 

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft.

15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors
Consumer complaint received 2023-05-05
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. (NJ)

Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.
Consumer complaint received 2020-04-04
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: Resurgent Capital Services L.P. (MS)

Lvnv funding has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which XXXX, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless LVNV funding has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from LVNV funding but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or LVNV funding. More so I never signed a contract with LVNV funding for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am being denied for credit due to my credit scores appearing nearly XXXX points less on TransUnion in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. XXXX is XXXX while TransUnion is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. TransUnion of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via TransUnion is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.
Consumer complaint received 2020-03-25
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2024-07-18
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. (NC)

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.