davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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. (VA)

I have no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Good afternoon, unfortunately my complaint has not been resolved because I was still denied a checking account from XXXX XXXX bank again XXXX days ago due to a Deceased notation on my XXXX Consumer Disclosure XXXX Account # XXXX Comprehensive Report Service by Lexisnexis! 

On my XXXX  Comprehensive report # XXXX which XXXX XXXX bank using Has Deceased notation which is Inaccurate and needs to be removed This Deceased notation has caused me to Be DENIED A Checking account from XXXX XXXX bank
Consumer complaint received 2020-06-12
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX i made a XXXX payment to my Citibank XXXX XXXX XXXX card, which i was making an early payment. I called over the phone with my debit card from XXXX  XXXX XXXX clerk indicated payment had gone through and they indicated that that form of payment is instant. Later the next day i didnt see it removed from my account i then made another payment of XXXX. In XXXX i received notice that my account was being closed because i had a return payment that of the XXXX. I called Citi bank and they said they couldnt do anything since they said my payment was returned. They advised to send a letter with proof to Citigroup office of the president XXXX  XXXX XXXX XXXX, Sd XXXX. I did send a letter and documents showing that my bank account had those funds. I waited a month and called back and they said they never received it. I sent it back again by their instructions. By then it was already XXXX and there response was that they couldnt do anything because time had already passed for me to reopen an account. I then further spoke to XXXX at that office of the president and advised her that my bank there was never an intente of taking that XXXX out of my account so in this case it was Citi banks issue that no money was sent when money was available on my account. It took a while to keep communicating with her and came XXXX and no word from her then finally i called her back and she advised that they couldnt open it and that i would have to apply. In this case they left me with a XXXX dollar closed account were its impossible for me to reopen an account with them. All i want is for that account to be reopen or transferred to a new one. That issue wasnt my fault and since i open that account on XX/XX/XXXX i had only 5 months since it being open. Not fare for a company to give you a credit and then close your account since all my payments had been on time.
Consumer complaint received 2020-06-12
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}
Consumer complaint received 2020-06-12
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. (IL)

I disputed the referenced account, XXXX XXXX, on XX/XX/XXXX. The credit report of XX/XX/XXXX XXXX Report # XXXX XXXX showed this item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX XXXX Report # XXXX ) and credit report of XX/XX/XXXX XXXX Report # XXXX ) continued to show this item deleted from my credit file. Now this item has been reinserted on my credit report in violation of the FCRA. 

Additionally, I previously notified Experian and XXXX XXXX XXXX XXXX that I am a victim of identity theft, and requested that they do the following : 1 )  Remove any charges on the unauthorized account, and 2 ) Take steps to remove information about this account from my Experian credit files. I still have not received written confirmation of these actions. 

As I stated in previous communication with Experian before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open or authorize this account, and I demand immediate steps to remove this information completely from my Experian credit report and file.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not my address the fraudulent account was opened with an address that I don't have any knowledge about please delete this account!! I submitted my drivers license this is not my address I never had this address ever!!! TRANSUNION IS NOT FOLLOWING THE LAWS!! I need this items removed from my credit report!! This XXXX XXXX ACCOUNT REMOVED
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX closed or charged off the account shortly after the issues with the car were reported back in XXXX they only began reporting missed payments and the account as open again after the XXXX money started going out in XXXX  in an effort to extort their previous customers, have been reporting missed payments month after month to keep people from being able to rebuild their credit and life after they experience a financial hardship. The debt is not collectable as the statue of limitations for the contract have run up. The original terms of the loan were 48 months so they should only be able to report the missing 48 months and from there the account should have been closed on the credit reports and listed as charged off.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

About a year ago I refinanced my single family home and the mortgage ended up with New Rez/Shellpoint -- XXXXmy house appraised at $ XXXX and my current loan balance is {$200000.00} which puts it at a 79.99 % LTV -- -Per XXXX XXXX  guidelines I initiated a PMI removal request. I received a denial letter that stated -- '' Although its been 2 years since your mortgage loan closed '' they can not remove my PMI. " Because your property 's value has not increased, your property 's LTV ( Loan to Value ) ratio has not decreased to 70 % or less-which is what's required to cancel PMI on a XXXX backed loan as a result of home improvements or property-value increases ''. This is just false information they are submitting to their clients. I have supporting documents
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — Gift 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)

The details of my AMEX gift card no. XXXX XXXX XXXX was stolen on XX/XX/2020. I have known this when I checked the balance with AMEX on XX/XX/2020. The AMEX representative ( the name is XXXX ) who responded to my call ( at tel. XXXX ) told me that there was a transaction posted on the same date, with Transaction no. XXXX charging my card the amount of {$350.00}. I immediately told XXXX, the AMEX representative that time, to deactivate the said card. He told me he deactivated the card on that date and he will process a replacement card ( I received the replacement card within 5 days after our phone talk ). He told me to contact the merchant, XXXX XXXX to alert them of this unauthorized transaction. Which I did on the same date. This merchant has no phone contact no. in their website and so I sent a message as shown in e-mail message no. 1 attached in this complaint. I received a response email from XXXX dated XX/XX/2020 as shown in the attached e-mail message no. 2. I responded to this e-mail as shown in the attached e-mail message no. 3. The merchant responded on XX/XX/2020 as shown in the attached e-mail message no.4. 

I kept on calling AMEX to follow-up on the refund, but they kept on insisting that they can not process the refund because the merchant already charged the card. So based on the exchanges on the status of the refund I have been requesting since XX/XX/2020, in spite of my alerting AMEX and XXXX on the same day, the transaction was made, it seems that nobody, from AMEX and the merchant, XXXX would like to be fixing the refund. 

That is why I am filing this complaint to report on how I was being made a victim of deception of both AMEX ( the card issuer ), and XXXX XXXX the merchant ) in this fraudulent transaction made by an unknown thief. 

It must be noted that right from the very beginning, that is on XX/XX/2020 I already alerted AMEX about what happened. In fact, the AMEX representative told me that he already deactivated the card on the same day. I just wonder why the charges made by XXXX still pushed through. AMEX kept on insisting that they can not dispute charges already made in the card. And I have been asking them why they still allowed to charge my card which is supposed to be deactivated on the same day? Now, I feel AMEX should be responsible on the refund. Otherwise, the fraudulent schemes of people like the scammers, the merchants, and the card issuer will continue to victimize clueless individuals in the marketplace.
Consumer complaint received 2022-03-02
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX  XXXX XXXX
Consumer complaint received 2020-04-11
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. (OH)

I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Delmarva Collections, Inc. (UT)

Delmarva Collections : XXXX XXXX XXXX This is account is past the statute of limitations in MD and has expired. It is still being reported on my credit report. I am well aware of my right under the FDCPA & my state laws governing the amount of time that collections are allowed to report on my credit file. This time has past and this needs to be removed. I was also unaware of this debt period as I have never received any correspondence or notifications from this company stating that I owed this debt.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

There was a charge of a club membership, XXXX made to my account with XXXX XXXX XXXX XXXX .. ( through Comenity Bank ) that I was not aware was an ANNUAL fee ... When I opened it I thought it was a one-time initial fee, which I accepted. When a year went by they charged me again, XXXX..which I was not aware of at the time it came in, XXXX - then I was charged a late fee on the charge. I complained to XXXX XXXX XXXX XXXX -- they took me out of the club and I won't be charged NEXT year. ..In the meantime Comenity Bank charged me ANOTHER late fee on the original club charge -- which I never even USED, BTW for a year!!! So today XX/XX/XXXX I ended up paying XXXX on an original charge of XXXX ... on a MEMBERSHIP fee! -- not even a PHYSICAL PRODUCT purchase! This is ridiculous!! Especially NOW, since Covid 19, and my being out of work! ( along with everyone else I know ) ... but even WITHOUT losing my job, this is SO unfair and cruel to me, I demand justice, and the return of my money for the late fees, coming to XXXX. -not sure of the change/cents involved.. PLEASE..Thank you
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ).

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (GA)

I have requested numerous times to be reviewed by Wells Fargo Credit Card processing department in order to receive my SCRA Benefit on my credit card. I have gone into a branch multiple times, called dozens of times, sent messages through the online portal and wrote three certified letters to the credit card department. I have never received a response from Wells Fargo of any indication they planned on reviewing my eligibility for the SCRA benefit.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reached out to this company in regards to my XXXX XXXX XXXX XXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.
Consumer complaint received 2020-06-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Management Recovery Corp. (NMRC) (KS)

A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital due to a XXXX XXXX and is unable to communicate at this time. 
They told me that the debt is owed to XXXX XXXX and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received 2 more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (IN)

Purchased a car XX/XX/XXXX and paid XXXX down today XX/XX/XXXX XXXX weeks from the date I ca n't drive the car and they told me to make a payment with out recourse and I am supposed to have a warranty on the vehicle. I have a recorded conversation with the salesman.
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have filed a police report also reported this with FTC
Consumer complaint received 2020-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

In XXXX, 2020 Navient tried twice to take a total of {$35000.00} out of my checking account ( in increments of {$5000.00}, {$10000.00}, {$10000.00}, {$10000.00} ) each time. XXXX  XXXX XXXX returned the items each time for insufficient funds and charged me with a total of XXXX NSF fees of {$35.00} each ( which XXXX  reimbursed me for when I explained what happened ). I had made an agreement with XXXX XXXX and XXXX XXXX with Navient ( who I received a letter from stating our agreement and have attached with this document ) to settle my sons ( XXXX XXXX ) private loan debt of {$82000.00} for {$35000.00}. It all depended on me getting a home equity loan - which is still in process and will most likely close later next week Ive been told by XXXX. XXXX requested my account information to do the payment with electronic funds transfer. He stated it had to be done that way, He said he set it up to come out of my account XXXX. XXXX ( because we began this process mid XXXX and he said he had to use that date but could extend the agreement if the home equity loan hadnt gone through yet ). I kept him updated on a regular basis and called him on XX/XX/XXXX and told him it would take a little longer for the loan to go through and to not try to take out the funds. He said ok. But as stated above, Navient tried twice, even after calling XXXX about the first time they took out the {$35000.00}. He apologized and said it was a mistake and told me it wouldnt happen again - but it did. XXXX  XXXX XXXX has blocked Navient from withdrawing any more money from my account. When I close on the home equity loan, I will send them a check instead for the agreed payoff amount. I definitely dont trust them and am shocked they are still allowed to be in the educational loan business.