davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

Around XX/XX/2021 I have submitted some transactions that were unauthorized by me. After receiving credit and after direct express findings being unauthorized transaction and approved my claim and receiving a letter to confirmed credit was final and approved. Direct express took the credit that was approved without any explanations. And after being finished and approved...
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

RESPA Violation. 

Our loan was moved from XXXX on XX/XX/2019 to NewRez. Throughout XXXX, we attempted to make payments to XXXX but they told us it was too late to make payments to them. We then called NewRez, who didnt have accounts fully set up and stated it was too early to make payments to them and to call back in a week. On XX/XX/2019, both borrowers ' credit reports received a negative 30 day late notice for XXXX. This is in violation of RESPAs 60 day grace period.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : MTBANKES XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account :XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (TX)

This law firm is contacting me regarding a debt from 2012 in which I've informed the original company doesn't belong to me. I've been harrassed by several collections agencies, and now Linebarer Goggan Blair & Sampson, LLP is contact me 8 years later about this same debt.
Consumer complaint received 2020-03-27
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. (CA)

I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this report.
Consumer complaint received 2022-02-17
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: The Aligned Company DBA Extra (CA)

I purchased it on XXXX using my XXXX card. Within minutes I canceled that purchase meaning no item would be delivered or charged on my account. Unfortunately, a charge was placed on my XXXX card. That card is linked to my debit account. As stated on the XXXX site under the refund it shows that the refund went to my XXXX card and shows the last 4 numbers. The company, XXXX is stating I owe them {$67.00} for purchase but I already showed them transactions of the refund being sent to them and the purchase is canceled. I have no connection and am locked from all services and functions from my XXXX account but continue to be charged a monthly membership when I can use any services. They made a report on my credit for money owed. Ive spoken to 3 separate reps they all keep telling me I owe without any phone conversation and explaining how. I used their credit card and XXXX shows the refund went to their credit card but theyre insisting I pay them from my bank account linked. They are a finance app in the apple app store.
Consumer complaint received 2023-02-18
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. (GA)

This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX. 
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification. 

This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 I spoke to USAA rep XXXX. REQUEST TO REMOVE XXXX   XXXX XXXX  PAYMENT INFORMATION. OFF MY PROFILE. AS I WILL * NOT BE PAYING ON THIS ID THEFT. USAA PROCESSED A PAYMENT FOR ID THEFT * STEALING MY SOCIAL SECURITY FOR NEXT THREE MONTHS * LEAVING ME WITH OVERDRAFT FEES XXXX  XXXX. ( I DEMAND USAA PROVIDE WRITTEN DOCUMENTATION THIS PAYMENT WAS AUTHORIZED BY ME FROM MY IP ADDRESS. ) I DEMAND USAAs claim BE PROVEN. ** I DID NOT AUTHORIZE THIS PAYMENT. I HAD NO FOOD OR RENT MONEY
Consumer complaint received 2020-04-07
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. (FL)

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was hospitalized with XXXX for almost three months. When I got home I had a large amount of past due bills that had gone unpaid due to my hospitalization. My Capital One account has a current balance of {$690.00} with {$200.00} of that amount due from late fees I was charged during my hospital stay. I would like to bring my account balance current but can not due to these incredibly harsh fees charged in the middle of the pandemic.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a XXXX XXXX XXXX for ( XXXX ) XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a XXXXotal Lease amount due of {$6.00} for each of these telephone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.
Consumer complaint received 2020-04-07
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: CITIBANK, N.A. (NC)

I started having issues with my City Double Cash card about a year ago where payments would bounce even when there was sufficient funds in the payment account. I would get a notice from my bank that there was an issue with the transaction and would call City to find out what was wrong and and was told on two separate occasions that there was nothing wrong with the account and that the payment had gone through. A few days later I would get a notification from Citi that the payment had bounced even after being assured that it wouldn't. In all cases I have transferred the money to another account and made the payment from there, therefore I have never been late on a payment due to this. I finally determined that it would only happen when attempting to make a payment out of my savings instead of a checking account, something that hadn't been an issue in the past, nor has it ever been an issue with any other card. On the last occasion I mistakenly selected the wrong account and again tried to make a payment out of my savings. I noticed immediately and scheduled a new payment and attempted to contact Citi to resolve the one I figured would bounce again. I tried daily to speak to an associate and was repeatedly hung up on or placed on hold for hours to then be told that the department was closed by the automated system. During this time I attempted to pay a hospital bill with the card and it was declined. I checked my account online and found that it had been closed without my request or any notification. By the time I was able to finally get an associate on the pone after over a week of daily calls, I was informed that the account was closed due to the returned payments and that there was nothing they could do to reopen the account. This has been my daily use card for years and the closure of the account has negatively impacted my credit score. I have removed the offending funding source from the payment options for what little good it dose on a closed account. I do not understand how two banks not working with each other is my issue.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Altitude Community Law P.C. (CO)

In  XXXX  a judgement was obtained against me for delinquent homeowners association fees and assorted late fees and attorney/collection fees. The company representing my homeowners association wa s Hindman Sanchez i n  XXXX , Colorado. The debt was satisfied the same year and in  XXXX  a satisfaction of judgement was filed with the court and a copy was sent to me. Approximately two weeks ago I received a letter from  Hindman Sanchez dem anding payment for the debt that was already declared satisfied, this statement showed balances, with late fees and collection fees from the time of the original delinquency,  XXXX , through  XXXX  of  XXXX , over a year after I received notice of satisfaction of debt. I also discovered they had placed a lien on my property in early  XXXX . The letter was sent to an address I have n't lived at for several years, fortunately it was forwarded to me. This is another typical tactic of theirs, sending correspondence to addresses they know are incorrect. That is part of the reason that I accrued the initial debt that was declared satisfied in  XXXX .
Consumer complaint received 2022-02-17
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc. (TX)

When applying for this school I was told that they have a 90 % job placement current found out that this isn't true. I have these loans from a school that gave me false hope. I have a few classes left. Found out that job placement is only 56 %. They lied and mislead me. I have all these loans. I enrolled from what was told to me. I'm look to be forgiven or another option
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match. 

I have attached documentation of the information. You will see that it differs.
Consumer complaint received 2020-04-07
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. (AR)

I've recently been in constant contact with XXXX, Experian, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, Equifax, or Experian consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Experian has failed miserably. Experian in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. 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
Consumer complaint received 2023-02-16
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: TD BANK US HOLDING COMPANY (GA)

In accordance with the Fair Credit Reporting Act TD Bank USA/ Target Credit XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (GA)

Hello, For the past several months I've contacted XXXX and Equifax regarding the INACCURATE reporting of a charged-off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. For over XXXX mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of tri-merged credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting XXXX-days late within the time span of XXXX days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as XXXX days late. ( NOT POSSIBLE )
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

I am trying to put freezes on my credit. With Equifax I first tried their website, then several phone numbers. In every case they say then need to verify who I am. One of the questions they ask is my mobile phone number. I do not have a mobile number. After that question they say they can't verify who I am and hang up. I never actually get to talk to a person. I sent an email to them saying I did not have a mobile phone. They sent me an email from XXXX XXXX XXXX - Customer Service Support <cust.serv@equifax.com>. on XX/XX/20 listing 3 customer service phone numbers. Every one of these numbers asks for my mobile phone number as a verification question. I can't be the only one in this country without a mobile phone. Please tell me how I can get Equifax to put a freeze on my credit.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I did a refinance with my current mortgage company. I chose to take out additional funds to pay off credit card debt that I am struggling with. Everything went fine, I received the checks to send to my credit card companies, and then one check to me. A couple days later, after having sent out and cashed the checks, the mortgage company came back to me and said they made a mistake and sent me too much money. They admit the mistake was their fault, and in the refi process I had seen my closer make multiple clerical errors. They want me to mail them a check for their error, its around {$1400.00}. But the money has been sent to my credit card companies. Now Im being put into undue financial burden to fund the cash to come up with the refund.
Consumer complaint received 2020-04-07
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. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-04-07
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. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-02-18
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. (MD)

A Collection was removed and reappeared on my account sold to a new collection agency. By law my personal and sensitive information was sold to a third party company without my consent and now is being reported to my credit report without my consent with this showing I have found several accounts in my name made fraudulent. With these also not being my accounts and created with fraudulent documentation. These accounts are In Violation of the FCRA protecting consumers. You are Now in Violation and I am now suing all credit reporting agencies. For defamation of character.