davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file listed on my credit report
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing XXXX XXXX XXXX, XXXX. During the process I discovered an account was opened that was due to fraud. XXXX did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.
Consumer complaint received 2019-12-20
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2019 I attempted to log into my Serve.com   app to check my balance, and was unable to do so. Upon further investigation, I realized that I was unable to use my card, check balance or anything at all. This is the card that I use to have my paycheck direct deposited on, and being unable to access my funds is causing me financial hardship. It is five days before XXXX, and not only do I have bills to pay, presents to buy and children to feed, but I can't even put gas in my car to get to work. This is unacceptable. As of this point, this is the first issue I have had with this company, but I am beginning to think I need to find another prepaid card to have my deposits added to. I would like compensation for my trouble and hardship.
Consumer complaint received 2023-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (OH)

I'm XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX. The company that collects the direct loan for XXXX XXXX is UAS XXXX. My Account # is XXXX. UAS debits my bank account 3 full days before the due date. I've written to them several times about this and their response was to change the due date, which obviously doesn't solve the problem. I recently changed the due date of my last payment to XX/XX/2023. I changed the due date 3 days in advance of the scheduled payment, which was XX/XX/2023. I subsequently received 3 voicemails and several emails inquiring about my " missed payment '', when in fact all I did was move the due date-as I was instructed to do by UAS when I wrote to them previously. They debited the account 3 days before my scheduled due date. This month, XXXX, UAS moved the due date back to the XXXX. I didn't realize this until the XXXX of XXXX-1 full day ahead of the due date. I tried to change the due date but UAS had already debited my account. Now I am hundreds of dollars negative in my bank until my next pay date. The aggressive payment schedule, which is $ XXXX dollars a month is non negotiable-meaning I can't lower the payment. Paying back this loan, which was for education, demands 10 % of my total salary. These practices of early debiting are unacceptable, and according to XXXX  3 day cycle are illegal.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (CA)

After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2024-02-21
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. (MN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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: Cascade CISS Holdings, LLC (FL)

Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! 

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports. 

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.
Consumer complaint received 2019-12-20
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 — Problem with personal statement of dispute
Company: Receivable Recovery Services, LLC (LA)

On XX/XX/2019, I sent a validation of debt letter to Receivable Recovery Services, a collection company that now owns a supposed medical account of mine. I do not recognize this account, which is why I sent them a validation of debt letter. According to the FCRA, the collection agency was to provide me with : - what they say the money I owe is for ; - how they calculated what they said I owe ; - copies of any papers showing I agreed to pay what they say I owe ; - a copy of any judgment ( if there is one ) ; - identify the original creditor ; - proof the statute of limitations has not expired ; - proof they are licensed to collect in my state ; - their license numbers and registered agent. 
Not only did they disregard my requests and not provide me with any information, as a collection agency, they blatantly broke the law that is the FCRA. I have attached my original letter and their response. On their response, I highlighted the specific section where they state I asked for validation of debt, but they only provided me with verification which breaks the FCRA.
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

I signed a 24 month contact with XXXX  on XX/XX/XXXX the contact ended XX/XX/XXXX, They were supposed to Bill on the third of each month starting XX/XX/XXXX. XXXX instead billed me the XX/XX/XXXX because they said they would be billing a month in advance. After 3 months of service they increased the price and changed my billing date to the XXXX of the month. I still made all 24 payments and cancelled service. They wanted me to get a new contact for another 24 months at {$200.00} a month so I would not sign. called them took all their equipment back on the XXXX of XX/XX/XXXX they said I would get a {$29.00} dollar credit, but then they said I owe them because they bill in Advance, I sent them a copy of all XXXX I paid, now they are saying I own it For XXXX that would make me pay 25 months and if I hadnt paid XXXX why would they bill me {$200.00}, they have turned it over to A collection agency even though I sent them a copy of all payments. I did not have or use service after the 24 months. With that big jump in price
Consumer complaint received 2019-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In XXXX  I received a check dated for XXXX XXXX XXXX, to the amount of XXXX from the XXXX XXXX XXXX. I was an employee for the XXXX at that time. I tried to cash the check during early XXXX since I was out of town when the check arrived in the mail. When I tried to cash the check through the mobile deposit app, I got a message saying that the check has already been cashed, even though I hadn't even opened up the check. At that time, I reached out to the bank I attempted to deposit the check into, XXXX XXXX who said that I would need to contact my employer, as it was an issue on their end. When I contacted my employer, they said that there was nothing that they could do on their end, and that I would need to contact their bank, Wells Fargo, to file a Fraud Report. I was provided a copy of my endorsed check to submit with my affidavit of fraud report. I contacted Wells Fargo on numerous occasions to see this matter be sorted out, however, they told me that there was nothing they could do on their end, except have me file the affidavit of fraud report. I filed the affidavit of fraud report (attached). When I was talking to the associates at Wells Fargo, they told me that when they were reviewing the paycheck that I was given, they saw that the XXXX XXXX XXXX had issued a check with the same check number and amount on the same day that my check was issued (XXXX XXXX XXXX).   Furthermore, when I was talking to the associates at Wells Fargo,  they told me that my check was chased during the week of XXXX XXXX; however this couldn't have been me, as I was in XXXXXXXX XXXX  at the time. After filing the affidavit of fraud report, I have tried to follow up with Wells Fargo, but they are being unresponsive since I am not the account owner on the account (The XXXX XXXX XXXX account). This is the point I am at today, I do not know what else to do. My money is being held in this limbo state, and I have been working for the past 5 months to get it back. I am just trying to get my money back.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Name : XXXX XXXX XXXX : XXXX -- -- XXXX {$0.00} XXXX -- -- XXXX {$0.00} XXXX : XXXX -- -- XXXX {$85000.00} XXXX : XXXX -- -- {$100.00} I Opened my account XXXX online and the application was completed over the phone by a capital one rep to go through some verification process, After the verification was completed the rep opened my account successfully and I begin to use my account. On XXXX my account was compromised and I reported to the fraud department. After my claim was done and my funds were credited back to my account, capital one refused to grant me access to my fund and I was told my social couldn't be verified by the social security department which is strange. I can reach anyone on the phone and they have held my funds and refuse to grant me access to my account.
Consumer complaint received 2022-09-25
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. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have problem with Bank Of America  Checking Account # XXXX XXXX XXXX. And in particular, with they debit card overdraft fees. Just today I was trying to explain representative and his supervisor, that bank can not charge overdraft fee for debit card purchases especially, one time purchase as I have it with XXXX XXXX posted on XX/XX/19. Today they offered me that I can enroll in special feature which will decline all debit card overdraft transaction, but I will be paying monthly fee of {$4.00} with some cents. I agreed to enroll, but asked them to reverse two overdraft fees for purchase on XX/XX/19. First of all, I was not aware that I need to enroll in special program, I thought that debit card purchase will decline automatically if there insufficient fund. Second, is that XXXX XXXX, as I mentioned above, is one-time debit card purchase, and it against the rules to charge overdraft fee for that. However, supervisor declined my request to reverse charges
Consumer complaint received 2019-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Chase has locked my account on numerous occasions for sending quick pay to a friend that has received/sent me quickpays before. Worst case of this is being today ( XXXX ) the phone operators are trying to tell me to go to a bank to provide 2 forms of identification on a holiday. Why i can pay/receive from everyone else but my friend who i have quickpay history is beyond me. My account should not be frozen for something as minimal as this.
Consumer complaint received 2022-09-01
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. (PA)

I have been dealing with identity thrift for almost XXXX years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.
Consumer complaint received 2019-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

On XXXX XX/XX/2019 I sent XXXX XXXX  a formal request in writing via their online portal to have the FHA MI removed from the loan as it had reached below the 78 % LTV ratio. It's 50 days later and I have only received 1 update regarding the removal of the MI stating that more time was needed to review the file - this letter was dated XX/XX/2019. I have called XXXX XXXX almost daily for the past several weeks and I'm unable to get an update on the removal. The response I get is " it's still under review ''. I have tried several times to resolve the issue with XXXX XXXX but they will not assist me. Not only that, they continue to disburse MI premiums at my expense. I am attaching a copy of the request that I sent in on XX/XX/2019 for your reference. I am also attaching prior communication from XXXX XXXX earlier in the year in which they mishandled my account and provided incorrect information regarding the ability to have the FHA MI removed. I believe XXXX Point may be in violation of the Homeowners Protection Act for not auto-cancelling the MI and may also be in violation of CFPB requirements for communication to me as the borrower.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2022. While I was on Chase credit cards website trying to log in to set up or update my security features. I have 3 email come through at same time stated that there was a new inquiry. And the inquiry stars from Jpmcb. I was not trying to acess any records at that time. I immediately looked to who I should contact but the office is currently closed. And I also reached out to the branch of company on XXXX about. Which she couldnt do anything. So. Now I have another inquiry as i am trying to clear it up. So please reach out to them as I will tomorrow. Thank you so much. XXXX
Consumer complaint received 2024-02-21
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. (TX)

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. 

I told the Experian, XXXX, and XXXX to investigate this account below : XXXX XXXX XXXX, XXXX Auto # XXXX I don't have the full account number because this is all the credit bureaus are showing.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-02-21
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. (PR)

I reviewer my consumer reports an noticed tha i had two late payments on an account that i was never late three. The consumer reporting agencies have assumed a vital role and have a reposibility to report consumer information to the best of their ability wiht maximum accuracy.I have never been late on payments for the accouts tha i have included screenshot inside thie complaint in on dates of [ XX/XX/year> ]. Please invetigate and provide proof with statements showing that these payments were late. If proof can't be provider I demand these payments be updated to paind as agreed on time as they should be due to the fact i was never late. Thaks! Please see screenshot attached :
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In a recent review of my personal credit report with Transunion, there is a previous address reported on my report that I do not recognize and have never used. 

The address is XXXX XXXX XXXX XXXX, TN XXXX. 

Please have this address removed from my list of addresses. 

Also under Phone Numbers : I do not recognize and have never owned the phone numbers : XXXX or XXXX Please investigate these fraudulent entries on my credit report and remove them. 

If there are question or we need to discuss this report, call me at XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (LA)

This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.