davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (MN)

I called XXXX XXXX to file a dispute about XXXX charges I saw on my bank statement. XXXX was for {$XXXX} and the other one was for {XXXX}. The Banker asked me if I wanted to cancel my card. I said no, that I had payments coming out and I buy many things on line. I asked her if the were cancelled how long would it take to get another XXXX, I can't remember her exact reply, but I believe it was XXXX days or there about. I got upset and told her not to cancel the card. I went about my business and ordered some glucose tablets from XXXX The next morning I got a notice that I needed to make another kind of payment. I called XXXX and they said my card had been declined. I am afraid I freaked out. I called the Bank and got a slow Banker who mumbled something about the Fraud Department. He connected mean and I found out that a dispute automatically goes to a Fraud case and the card gets turned off. I am afraid I freaked. I am XXXX XXXX XXXX. I am on XXXX XXXX. I work very hard to keep my finances in order. I have a printer as well as a computer and I regularly print off copies of my Bank pages. I called several other Bankers and got different stories. At the time I didn't have anyone to take me to the branch and get a temporary card. After the last Banker treated me badly. I decided to file a compalint. I called my son and told him about my problem. We had to negotiate a time and he will come over today at XXXX to take me to the Branch. They have a drive up window. I have spoken to the manager before. and he has helped me out. My main concern was that my blood suger had gone down for XXXX nights in a row and I was running out of Glucose tablets to bring it back up. If I didn't have my card I couldn't get more tablets. I don't have a car and no one in my Senior Building, know me well enough to ask them for their help. I didn't think my son could help me because he is a XXXX XXXX  and has a hard time when other people keep digging into his work day. But he agreed to help me get a temporary, I was very upset that the bank had no compassion for the health issue I was dealing with. If I could not raise my XXXX XXXX I could go into a XXXX or get XXXX. I work very hard on covering my bases in taking care of myself. Their not understanding me was extremely frustrating and threatening. They couldn't seem to get it. That woman did not tell me she would have to cut off my card. She led me to believe that it was okay.
Consumer complaint received 2021-11-19
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: Jon Barry and Associates, Inc. (GA)

I have sent letters to the credit bureaus and to PARAGON XXXX on XX/XX/2021, in regards to a debt said to be owed in the amount of. The creditor is reporting inaccurate information on my credit report and it is affecting me. The Last Active date is a year off across all XXXX credit bureaus. According to XXXX U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in TU reporting.. I disputed the error with TU which they received on XXXX XXXX, XXXX. 
TU sent me out a confusing investigation procedure on XXXX XXXX, XXXX explaining their goal on maintaining complete and accurate information on consumer credit reports. 
It gives a detailed investigation procedure on contacting the source of the information but singled out matters concerning public records while giving an incomplete investigation procedure on this topic.. On XXXX XXXX, XXXX TU completed their investigation when checking the details of the investigation the date that this information was updated was on XXXX/XXXX/XXXX which was the same day the dispute was delivered..It was still inaccurate with the following : contact details, date filed, estimated removal date and docket number which caused me to reach out to the listed item contact details on XXXX/XXXX/XXXX, which was returned to sender as not deliverable.. A description of the procedure used to determine the accuracy and completeness of the information was requested as well as a final goodwill attempt for TU to clear up the matter delivered on XXXX/XXXX/XXXX ... Instead of a procedure A personal credit report dated XXXX/XXXX/XXXX listed a masked SSN that also was n't requested in violation of 15 U.S. Code Section 16.81g ( a ) ( 1 ) ( a ) .. my account numbers has been partially masked and scrambled which is a clear sign of inaccuracies per TU ... On XXXX/XXXX/XXXX TU Investigation was completed again ... And in the results summary the item was verified as accurate. 
During the process of this from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...
Consumer complaint received 2017-10-26
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: Experian Information Solutions Inc. (IL)

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't really been applying for anything lately. Due to too many inquiries in the last year. Reviewed my credit report with Experian and noticed that I had a total of 15 inquiries. Out of those 15 inquiries, 9 are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with XXXX I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. Also I have some addresses on my credit report that 's are n't mines. I have a family member with a similar name I need it removed. 

Address : 1.XXXX XXXX XXXX XXXX, IL XXXX 2.XXXX XXXX XXXX XXXX, IL XXXX Inquiry : 1.XXXX/XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX 5.XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2023-04-07
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. (NY)

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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 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 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XXXX handled my student loan from XXXX, XXXX, XXXX. I noticed that XXXX utilized a glitch to charge more fees/interest to students, and upon review of XXXX payment history, it appears XXXX also utilizes a glitch to collect more fees/interests as well. 

XXXX responded to complaint XXXX in which it referenced XXXX practices ' in regards to my student loan, so before this case goes to court, XXXX has an opportunity to resolve any discrepancies. 

Fact XXXX. I began paying back this XXXX year loan to XXXX in XXXX XXXX. 
Fact XXXX. The beginning balance of the loan was approximately XXXX 
Fact XXXX. I was only required to pay back XXXX per month starting in XXXX XXXX. 
Fact XXXX. From XXXX XXXX to XXXX XXXX XXXX XXXX total months XXXX, I paid XXXX XXXX XXXX XXXX doc ). 
Fact XXXX. If I was only required to pay back XXXX per month then $ XXXX months paid. 
Fact XXXX. Since XXXX months paid, that equates to XXXX years, XXXX months. 
Fact XXXX. Since I started paying back in XXXX XXXX, XXXX years, XXXX months after that is XXXX XXXX. 
Fact XXXX AES XXXX processing my loan in XXXX XXXX, and at that point, I was already XXXX years, XXXX months ahead in paying my loan. 
Fact XXXX XXXX XXXX that I was late in XXXX XXXX, which was false. I was ahead. XXXX assumed I was late and did not consider payment history when making false assumptions/decisions. 

Fact XXXX XXXX XXXX reporting that I was late with XXXX XXXX when this is not possible, as seen in the payment history, I paid more than the required amount. 

Fact XXXX. XXXX refunded me late fees in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX because the system it uses has a glitch that automatically charges late fees when the student is already ahead. I did not ask for these refunds, however, it appears, someone within XXXX recognized that I was in fact ahead in my loan, and refunded me accordingly. 

Fact XXXX. Since XXXX is reporting that XXXX considered that I was late in making payments, I need documentation relating to those facts, otherwise, when a lawsuit is filed against XXXX, I must also file against XXXX. 

When borrowers pay back over XXXX in under XXXX  years, and when the starting loan is under XXXX, it can easily be seen that the borrower was ahead several months. However, since the loan was transferred to XXXX in XXXX, XXXX, the late fees that were previously refunded in XXXX, XXXX, XXXX due to system glitch caused XXXX to think that my loan was late when it was not. XXXX XXXX not have reviewed loan properly before it was transferred, however, XXXX needs to review it now and verify that I was in fact ahead by over XXXX years. Documentation is needed so it can be relayed to XXXX, and this will help XXXX to avoid costly litigation. Thank you
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING, XX/XX/2017, {$3800.00} MIDLAND FUNDING, XXXX, {$1300.00} MIDLAND FUNDING, XX/XX/2017, {$1300.00}
Consumer complaint received 2021-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2017-10-26
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: EQUIFAX, INC. (TX)

On XXXX XXXX, two men selling XXXX XXXX XXXX  knocked on my door at around XXXX. I answered the door and they proceeded to tell me about the product they were selling. Something they said piqued my interest so they offered to give me a quote. They said they do n't know why, but their system requires a name and address to generate a quote for somebody. The provided my wife with the quote verbally at which point my wife said she was not interested and they left. 
The next day I received a call from XXXX, our credit monitoring service, who said I had a HARD credit inquiry on my account and did she recognize it. I said no and after looking into it, we determined that the hard credit inquiry was from XXXX XXXX XXXX and actually occurred on XXXX XXXX, the day before I even spoke to XXXX. Of course my husband and I were outraged as we had not and would n't even think about giving XXXX permission to do a hard or even soft credit inquiry. And the only info I had given them ( which they already knew ) was my name and address. 
I have reached out to both Equifax and the company to no avail. Neither has been helpful in any way in resolving this and getting this unauthorized hard credit inquiry removed from my credit record. We would appreciate any help the CFPB could provide in resolving this as we feel it is outrageous that a company could do this. 

Thank you,
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I reviewed my XXXX XXXX and noticed that there was an inaccurate account ( XXXX ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

on XX/XX/2018 at XXXXXXXX XXXX, the debt collection office for XXXX XXXX XXXXXXXX XXXX XXXX called me threatening to take legal action against me, which on XX/XX/2018, i spoke to someone about setting up payments plans and someone from the debt collection office for them was supposed to return my phone call at XXXX on XX/XX/2018 and never did. the representative mentioned that the recommendation was put on hold which i am not made aware of any of this information and then she about my XXXX in a tone i did not appreciate " are you still XXXX  ''? the number they called from was XXXX.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

I have attempted to apply for a short sale and was advised by PNC ( The Servicer ) that the file has been reviewed too many times during this delinquency cycle. That my only options are to bring my account current or sell property outright to cover everything owed to the bank. That once I bring my account current that I can then file for a short sale. 

If I could bring the account current, I would keep the home. Is n't the whole point of a short sale is to allow the home owner to leave gracefully from the property when we can not afford to keep the home and to avoid foreclosure?? 

My loan is owned by XXXX XXXX and per FHLMC I am allowed to be reviewed for a short sale - and possibly even a streamline short sale.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I sent a Wire Transfer on XX/XX/2021. I was charged US {$40.00}. XXXX. I gave The Person who made The Transaction two different copies of Wire Transfers from Two Different Banks, which were successful, to guide her in the process. She made a mistake and filed The Receiving Beneficiary Account Number in the wrong slot. After the form had been filed I was charged another US {$25.00}. XXXX. I protested a fee I had never had to pay. One week later, I receive notices via The Text Message and The E - Mail to contact them ; The Account Number was entered wrong. I contacted them via The Cell Phone on XX/XX/2021. I gave The Correct Account Number. I was assured The Correct Account Number would be send via E - Mail, to the person who requested it. I visited on Tuesday, XX/XX/2021 to inquire if it had been done. I was assured once again that it had. Another four weeks went by and I received a letter in writing, with the incorrect date posted that I was required once again to visit urgently. I visited on XX/XX/2021. I was told that The Wire Transfer Had Been Rejected because of The Incorrect Account Number and that The Department had taken nearly XXXX {$170.00}. XXXX from My Account, without my permission.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (TX)

I have reached out to this company XXXX of XXXX to have them remove me from this loan responsibility as ex wife won the vehicle in divorce in which i was no longer responsible for.I have also given them copy of divorce paperwork in which they have asked for it to look into the matter. I have now recently reached out to them these past few months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Letting them know that this is still showing on my report and that i was under the impression that it would be removed. I asked them if they could remove this from my report and they stated that I would have to pay them {$10000.00} to have this taken off. I explained to them that im a 100 percent XXXX veteran and there is no way i can pay them that amount for them to remove this.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OH)

A collection popped up on my credit report XX/XX/2018 and it was suppose to had been taken care of. I paid it XX/XX/2018. For mortgage reasons me, my mortgage Lender, realtor, The original creditor XXXX XXXX/ XXXX, and The credit bureau started calling CBE group collection agency XX/XX/2018 To get the account Removed from my credit report. We Could not get in touch with them. They never answered the phone And they never called the creditors back. I was supposed to close on my house XX/XX/XXXX then XX/XX/XXXX we had to ask for another extension Because we couldnt get in touch with CBE group. The credit bureau just need to hear from them and them state that this was paid In full and to remove it. I dont want to lose my house.
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I was sent an email from XXXX XXXX XXXX XXXX offering to apply a hardship forbearance to a payment I was running behind on. The email advised me to reply help and my account would then be reviewed for a hardship forbearance. On XX/XX/XXXX I received a notification from Nelnet advising my forbearance had been approved and my next payment would be due XX/XX/XXXX for my regular payment amount of {$160.00}. To confirm this, I also logged onto my Nelnet account to verify I no longer reflected a past due balance. Today ( XX/XX/XXXX ), I received a statement advising I have a past due balance as well as a subsequent balance due on XX/XX/XXXX. I called Nelnet to discuss the discrepancy and was advised by multiple agents that the system made an error and that I did not qualify for the previously offered and applied forbearance ( 3 days before my due date ) leaving me unprepared and subject to a negative credit mark for an error that was not on my part. Nelnet has advised there is nothing they can do to help me in this situation and they will review the system however, they will not be able to provide me with feedback on what went wrong and if its been fixed. This means myself and other unsuspecting borrowers are subject to experience this issue again in the future which is completely unacceptable for an organization that has the ability to impact credit reporting and the livelihoods of its customers.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

This is the last letter I faxed to Chase to Dispute. I have filed 4 disputes with Chase and they still tell me I am responsible for the charges. 

Re : Dispute Request original card ending XXXX, current card ending XXXX I want to continue disputing the two charges of {$2100.00} on XX/XX/2022 and {$1800.00} on XX/XX/2022. 

On XX/XX/2022, I enlisted the services of XXXX & XXXX XXXX, also known as XXXX XXXX XXXX. The owner is XXXX XXXX, phone number ( XXXX ) XXXX. 
I had met him earlier that afternoon and gave him a check for {$1800.00}. So, my balance was {$2100.00}. Later afternoon on XX/XX/2022 ( important key date! ) he ran my Chase Card for the balance for the {$2100.00}. This charge was valid. 

In XXXX, while checking my Chase account, I saw the charges of {$2100.00}, dated XX/XX/2022, {$1800.00} and {$800.00}, dated XX/XX/2022. ( The {$800.00} has been resolved ). 
I DID NOT ENLIST ANY SERVICE ON THESE DATES. THE JOB WAS DONE IN XXXX and PAID FOR THEN. I called him and left him a message and then I texted him all the details. I have copies of these texts, as well as copies of the receipts included with this letter. I also contacted Chase and started the dispute process. I was issued a new card. 

When XXXX contacted XXXX he found that his XXXX XXXX XXXX XXXX had been hacked into. They told him that refunds would be made. Obviously, that has not happened. Im beginning to think he has been lying about this. Now, I have been declined the refund of the amounts of {$2100.00} from XX/XX/2022 and {$1800.00} from XX/XX/2022 and my account has once again been charged. 

I have remained in contact with XXXX via text messages which I have included. These will prove that he knows he owes me the refunds.