davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My home suffered flood damage in XX/XX/2017. Select Portfolio Servicing Inc. ( SPS ) has held {$16000.00} in insurance proceeds for as long as they have been servicing this mortgage. This in spite of proving and presenting SPS with {$63000.00} in receipts for out of pocket expenses, contractors and so on. This detailed information is sixty plus pages long and has been sent to SPS via attorney. At times SPS even denied to myself and my attorney they are holding any insurance funds. I had to hire this attorney to help me obtain the improperly held insurance proceeds. He has had no luck in dealing with SPS either. In fact he has found that the attorney for SPS can't get results either. 

If needed the following information is available : attorney contact for myself attorney contact for mortgage company I have sixty plus pages of documentation for out of pocket cost for repairs My attorney has much more specific information documenting the attempts to deal with SPS, there is LOTS of documentation. 

All I want is my insurance proceeds and attorney fees
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

Original Creditor XXXX XXXX XXXX XXXX : Southwest Credit Systems Balanced Owed {$620.00} Date Opened XX/XX/2021 This collection does not belong to me. My father and I have the same name and his information has crossed referenced with my information and it has caused issues with me verifying my identity.
Consumer complaint received 2024-04-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC (PA)

On XX/XX/year>, I had a phone call come in and was answered with an automated message stating my name, the last 4 of my SSN, that my wages at my employer were going to be garnished for debt that I owed to " XXXX XXXX. '' I've never done business with a company by this name. I held the line and a man came on and demanded I say that I was ( my name ) or he couldn't tell me anything. I commented that if he called me then he should know who I am. But, finally I agreed. He asked for my DOB and I gave it. He said that I'd gotten a check cashed at this place and that I'd never paid it off. I argued that it was fraud because I hadn't done business there. He hung up on me. 
I called back and spoke to a woman who answered the phone as XXXX, XXXX and Associates, who said she would send documentation to my email she had on file. I received the unprofessional letter from a XXXX but it contained no detail, referenced " XXXX XXXX XXXX '' and had no proof of contract. She said those documents were with the lawyers to which I responded that with all the digital capabilities it was ludicrous that she wouldn't have a copy of the contract. She said that they would proceed with taking me to court and that I could pay the debt many times over. I asked when it was incurred, and she said 7 years prior. I asked why this was the first time calling me in 7 years? She mentioned XXXX old addresses for me and I told her I didn't live there. I told her if it was my debt, that I would pay it, but that I would need to see the original contract. She said that was fine and that I should make better decisions and hung up on me.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2022 I purchased round trip airline tickets using my Chase Sapphire preferred card, the trip was to be taken in XXXX. On my return flight ( XX/XX/XXXX ), a mechanical issue with the aircraft resulted in a 4+ hour delay that result in my party having to miss our connecting flight. We had to spent the night in a hotel nearby, pay for dinner, and incurred other expenses related to the overnight delay. My card benefits include travel insurance if a trip is delayed and results in an overnight stay. I submitted a claim upon return to my home city for the plane tickets, and for the dinner expenses. My claim was submitted around XX/XX/XXXX and was in the amount of approximately {$1500.00}. Once I submitted all of the requested documents to XXXX line, the company Chase uses to process their claims I have been repeatedly asked to submit the same documents over and over again over the course of these last 5 months. When I call them over the phone, the line disconnects almost every time. When I am able to get through to them they tell me that they have received all of the necessary documents and that I need to wait 5 business days. At the end of those 5 business days I receive an email asking for more documents. The process just repeats itself. My claim has been in the final stage of review for the last month and they have yet to make a decision on my claim. I have showed up to Chase bank in person to speak to an associate, the associate had no power to advocate for me. The associate was not even aware that Chase uses XXXX line to process claims. It is very obvious that XXXX line delays and stalls so that people will give up, and I am sure that this tactic is very effective- the whole thing seems illegal to me. As a Chase customer I feel deceived into doing business with a shady company that does not act in good faith. I also have come to understand that the benefits of the card are a scam.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (KY)

I noticed on my credit report that there were two 30 days late reporting for the month of XXXX and XX/XX/year>. However, I was not late in either of those months. I reached out to the company and advised of this I spoke to several representatives and their supervisors trying to get this resolved. I spoke to supervisors who acknowledged that my report should not be reflecting late, but my report was never updated. Cases were created, but I never received responses. My credit report has been extremely affected by the late payments.
Consumer complaint received 2023-03-21
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. (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. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 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 the information is inaccurate.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is stating I signed up for a product. Which I did, but I never received he goods. 
It was some XXXX that I never received. 
I have proved I never received the service because my teeth are still messed up. 
The other one is some account with att I have no knowledge of. I currently have att so therefor I dont know what the problem is. XXXX had deleted this items in the past and now they are back in my report. 
Experian, refuse to update it and believes the reporting agencies
Consumer complaint received 2023-07-25
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. (FL)

Hello! 
I have wrong reported information on my credit report. I attach my credit reports as a proof of inconsistencies. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX. 
XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days XXXX. XXXX - XXXX Equifax : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 


As a matter of fact there are a lot of inconsistencies.
Consumer complaint received 2021-01-04
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: Debt Recovery Solutions, LLC (OK)

XXXX is reporting fraudulant accounts on my personal credit file/bureau. 
I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Subject : Complaint Regarding PayPals Failure to Transfer Funds After 180 Days To Whom It May Concern, I am writing to file a formal complaint against XXXX regarding their refusal to transfer my funds after the XXXX hold period. Here are the details of the situation : XXXX. On XX/XX/XXXX, my XXXX account was limited, resulting in a hold on my funds. ( {$570.00} ) XXXX. On XX/XX/XXXX, I received an email from XXXX stating that my funds were now eligible for withdrawal. 
XXXX. Despite being eligible, I encountered an error message when attempting to withdraw my funds through various methods. 
XXXX. Upon contacting XXXX on XX/XX/XXXX, I was advised to transfer my funds to a different XXXX account. I complied with their instructions and provided the following documentation : A written authorization specifying the email address for the transfer. 
Proof of identity. 
Proof of address, despite the address not matching the country of the account creation. 
XXXX. Despite providing the requested information, XXXX has failed to transfer my funds. 
XXXX. Subsequent follow-ups with XXXX have XXXX in assurances of resolution within XXXX hours, yet the issue remains unresolved. 

I am deeply concerned and frustrated by XXXX lack of action in facilitating the transfer of my funds. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that XXXX fulfills its obligation to transfer my funds without further delay. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-04
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. (OK)

Equifax is reporting fraudulant accounts on my personal credit file/bureau. 
I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BROKER SOLUTIONS, INC. (NV)

XXXX XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my MORTGAGE balance and CFPB complaint was filed and no response. As of XX/XX/year>, a 1099A was accepted by the IRS for the amount of {$340000.00} for the loan balance. Copy B was received from XXXX XXXX XXXX parent company of New American Funding XXXX XXXX XXXX XXXX that they have accepted the approved Copy B from the IRS. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the mortgage as paid off with balance of XXXX.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NC)

I am writing to seek your assistance regarding a concerning issue that has negatively impacted my financial standing and, consequently, my ability to pursue significant life milestones. On [ date ], I received a notification from XXXX Credit Bureau informing me that my credit score had decreased due to an outstanding debt in the amount of {$11000.00} attributed to " Credit Corp Solutions. '' This notification came as a shock to me as I am confident that I do not owe any such debt. 

Upon receiving this notification, I promptly contacted XXXX Credit Bureau to address the issue. They assured me that they would initiate a dispute process on my behalf. Upon further investigation, I discovered that the debt is associated with another individual named XXXX XXXX, and the account type is listed as a debt buyer with an opening date of XX/XX/year>. It is evident that this debt does not belong to me, and I am unclear as to why it is appearing on my credit report. 

As someone who takes great pride in maintaining a responsible financial profile, this unjustified entry on my credit report is deeply concerning, particularly as I am on the verge of embarking on the significant milestone of purchasing a home. All of my existing accounts are in excellent standing, and I have diligently managed my financial obligations. Therefore, it is distressing to encounter such an erroneous and detrimental mark on my credit history. 

This creditor must prove, that this debt is mine. Such as a signed contracted, with a date, address and my signature. 

Needless to say it is not mine and needs to be removed.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I opened a IRA with Chase bank back in XXXX {$80000.00} retirement money was put in it. Have proof it was sent from my old job to IRA.. Received summary pages when asked about what happened to the money.. They closed acct XX/XX/XXXX because the last {$3000.00} was with drawn... I never got a XXXX of my savings. They said they can not go back that far to see who took my money from the bank..I never checked on money because it was in bank and I thought it was safe .... When I did go back and request money and info they said acct was closed. They only gave me some retirement plan summaries from XXXX, XXXX, XXXX... They said they could not tell me where the money was sent. I have always had checking with them and they can see that no payments were given to me. This is 40 years of my working towards retirement ... Never checked on the acct because of raising XXXX children and taking care of a sick husband. 
I am XXXX and XXXX  XXXX. We need this money to survive on..I want my money I worked so hard for.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a late payment notice from Navy Federal Credit Union despite making the payment on the due date XX/XX/XXXX, around XXXX XXXX  through their electronic system. Since Monday was a holiday, the payment posted Tuesday. NFCU sent me a late payment notice, indicating I need to pay for both XXXX and XXXX. However, I was only due for XXXX. When I called and spoke with XXXX she explained that this is standard practice. I informed her that they can not ask or label a payment as past due before its due date. XXXX suggested I review it as a reminder, but I clarified that reminders typically come as statements, not past due notification. She seemed displeased and stopped addressing my concerns.
Consumer complaint received 2023-07-17
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (AL)

Ad Astra collection agency did not sent me a collection letter for a chance to dispute this. This isn't being fair to me for them to just go ahead & place this on my credit file without giving me a right to dispute it. They will just come back and say they don't have to send me a collection letter. Yes they do I know my rights that they have to first notify me & they didn't! Or they will pull this trick saying they can't find me.
Consumer complaint received 2021-01-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX  XXXX XXXX account. great card no issues. However on XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.