davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
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. (PA)

Re : Complaint of Experians negligence and misconduct on the credit report of my XXXX XXXX XXXX  account open status Todays date : XX/XX/2020 There has been a huge repetitive error on my credit report and it needs to be correct immediately. 

Attached please see XXXX XXXX XXXX statement on my account status as open. 
This account has been opened for years and has never been closed. According to my conversation with XXXX XXXX today, they sent to Experian monthly update on XXXX of each month and reported my account status either as open or closed, account balance and such. 

According to Experian report on my credit, this account was closed in XX/XX/2020. 

Apparently, there was a mistake and miscommunication occurred in the process. And it occurred over and over each month. Even though I filed dispute with Experian on XX/XX/2020. The results came back on XX/XX/XXXX still keeps the same mistake and inaccuracy. 

The inaccuracy has negatively impacted on my credit score significantly, including the credit limits, debt and utilization. The misconduct of Experian has been doing an extremely huge harm and jeopardizing my credibility. I am losing my new job offer because the inaccuracy of data and negligence from Experian. It is posting a big threat to my career and I simply can not afford that happen any longer. 

To protect my right, I am reporting this incidence to Consumer Financial Protection Bureau ( CFPB ) today, XX/XX/2020, to request for immediate investigation. 

I sincerely request Experian to correct the error and update my account status as open immediately. And also correct the error that account closed in XXXX. If the account is not updated in 24 hours, I will seek further legal action. 

Your attention to the matter is greatly appreciated. Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (FL)

I didnt have the correct option to check a box. I have disputed this item and keeps coming back as accurate. This account was deleted from my XXXX  report meaning the account has been closed. Why cant it be deleted from XXXX and XXXX? Its 6 yrs and 10 months old.
Consumer complaint received 2020-08-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (HI)

A couple of years ago our mortgage loan was sold/transferred to Shellpoint Mortgage Servicing which is now NewRez/Shellpoint Mtg Servicing ( sister companies ). We have a VA - ARM loan ( 3.250 %  currently ). In the last few years our payments have gone up {$300.00}. Because of the current pandemic interest rates have gone down significantly ( 2.25 % ). Due to more difficult times, financially, we sought assistance to refinance our loan to decrease our monthly payment to ( at least ) our original rate of 2.75 % or better. Our credit is not perfect but we would have been able to decrease our payments by {$300.00} via streamline loan since they already have our original mortgage and information. We would not have to re-qualify for a new loan all over again. It would have been easy to streamline our loan. We spoke to several loan officers and they advised the same. So we reached out to NewRez and received an email from loan advisor. We communicated with him about our interest in refinancing. He was willing to work with us to get it done until he discovered that his company NewRez does not have the license to do loans here in Hawaii even if they acquired our loan. We asked him if that was even legal to do what they are doing where they were not licensed. He has also informed us that because his company does not have the license to do loans in Hawaii means he is also not licensed to do loans in Hawaii. So instead of getting some assistance, we have to call other lenders and see who will be able to help us. NewRez has no time frame as to when they will be able to get their license. Im sure there are a lot of customers here in Hawaii who have loans with them, but yet they are not licensed to do loans here and theirs customers are probably unaware of this lenders ' situation. I will attach the emails between myself and the loan officer from NewRez/Shellpoint. Thank you for your attention to this matter that would make such a difference to us.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (CA)

I am disputing the following account : Net Credit. Account # XXXX. Opened date XX/XX/2018. Original balance {$3700.00}. Balance XXXX Closed. I already tried to fix this issue with Net Credit back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. 

This account is related to fraud, and they keep on reporting it. I am demanding Net Credit a deletion letter, and this item to be removed from my report. 

Please send to Net Credit the attached documents. Thank you.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

As of yesterday, XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My XXXX dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both XXXX and XXXX show an increase in balance to my student loans due to interest. These reports came from Navient who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with Navient or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to Navient 's inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. XXXX  has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with NAVIENT. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (NV)

Sent a letter to leasing office stating that the amount was incorrect that it included the price of a XXXX XXXX  that was never given. The amount is incorrect. I don't recognize this company or how they got the debt or when or how. The debt just showed up onto my credit file without notice. The debt says one month term there is no such thinas a one month term this debt is keeping me from renting another property. And the payments that were taken are not recorded as payment.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CA)

I've been a TD customer for 14 years in XXXX and about 10 years in the XXXX. On XX/XX/XXXX I asked TD Bank to close both of my accounts and move all my XXXX money to my XXXX accounts. They said that for some reason they were unable to do this in one phone call, did a wire with one account ( I don't have the confirmation number ), and had some issues and charged me a number of fees unfairly ( details in previous CFPB complaint ). After a CFPB compliant on XX/XX/XXXX, they immediately phoned me, refunded the fees, said that they would close the accounts, and I thought that my accounts were closed and that the money had been sent to XXXX. I was given the wire confirmation number XXXX during a phone call with XXXX from their customer service team on XX/XX/XXXX. I thought we were now in the clear. 

However, in XXXX I got a notification from my XXXX account that I'd been charged a {$24.00} fee. It turned out that despite the wire confirmation from XX/XX/XXXX, my money had not actually been sent to my XXXX account and the account had not been closed. I contacted XXXX XXXX on TD 's customer service team on XX/XX/XXXX to inform him that I called the TD hotline and they said wait times were in excess of 20 minutes, and when I call the TD Cross-Border line and press 1 for english and then 3, it just rings a bunch of times and hangs up. 

I didn't get a further response, and again contacted TD in XXXX when I got yet another {$24.00} fee for low account balance. I finally took the 30 minutes needed to wait on hold for their customer service team, only to be informed that I could be refunded neither of the fees I'd been incorrectly charged since XX/XX/XXXX when I'd been told all my money had been given back to me. I decided to at least get my money out of there, so wired it to XXXX and asked them to close the account. Wire confirmation XXXX. 

After this call I emailed XXXX again ( I feel sorry for the guy but he's the only contact I have within TD, otherwise I have to wait for 30 minutes to even talk to someone ), and someone called me to tell me that I " could get one of the {$24.00} fees refunded, but to do that they'd have to refund me then I'd have to call back in, wait 30 minutes, and then have them wire the {$24.00} and close the account ''. I declined because I don't have 30 minutes to wait on the phone, to get half of the money that was taken from me, when I told them months ago to close my accounts and move my money out. 

This is absolutely crazy. I should just be able to phone TD, tell them I want to close an account, and have them do it immediately with no fees charged and without wasting hours of my time on this. The fact that they're doing this in the middle of an economic crisis and pandemic is even crazier.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I am disputing the following account : National Credit Adjusters. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with National Credit Adjusters back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to National Credit Adjusters the attached documents. Thank you.
Consumer complaint received 2020-08-09
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 — Their investigation did not fix an error on your report
Company: VW Credit, Inc (NY)

I have a loan with XXXX XXXX and VW CREDIT INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and XXXX XXXX, VW CREDIT INC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-09
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

I have a loan with DISCOVER BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (LA)

I had an unemplyment card i used for about a month and had a problem with a purchase and disputed. They sent me a new card which had aboyt XXXX $ on it and transfered after i activated my card and went to use my money it then told me i had a negative XXXX. Its a prepaid card and in my list of dos and donts it clearky says no overdrafting allowed and no negative balance at any time. Im XXXX pregnabt and doing this shooping for.baby beforee i cant and theyve made it hard to even eat.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (AL)

I had an accident with XXXX XXXX My credit card payment to XXXX XXXX XXXX for my XXXX XXXX came due during this time ( XX/XX/XXXX ) I have NEVER BEEN LATE OR MISSED a payment. During this same month I received 8 calls EVERY SINGLE DAY regarding my payment. The same month due!! That absolutely is harassment! This should not be allowed! ENOUGH. I called and said I would make pmt and expressed dissatisfaction with this practice and that bank. I was told Many comments have been lodged And they Flooded me with emails!!
Consumer complaint received 2020-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX XXXXXXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I sent a letter to Transunion, XXXX, and XXXX, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (FL)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2020-08-08
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: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-08-08
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I received Social Security XXXX and I have direct deposit to chime Bank when my money is sent from Social Security time they won't release it they hold it for days and days when I call them they say they haven't received it yet when I called back Social Security office they told me the money was wired to the routing number and account number I gave him but chime keeps telling me they haven't received the funds yet I'm tired of this this company is a scam I was supposed to get a check on XX/XX/XXXX and it's now the XXXX and I still haven't received my check this company needs to be shut down
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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