davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/2022
Consumer complaint received 2021-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (KS)

On Friday, XX/XX/XXXX, I went to deposit a check received in the mail for payment for a purchase of a car I was selling. My bank is US Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX. I asked the teller on duty if the check looked legitimate. He said it did and he took it to his supervisor to confirm the appearance and they said it looked good. 
I asked him when the deposit would be available in my account and he said sometimes it may take XXXX or 5 days, otherwise it would be available on Monday ( the XXXX ). 
On Monday I checked online and the check deposit was approved and was included in the available balance. The bank has electronic time stamps in their records that provide evidence of this. The branch manager also verified this personally later when I was in her office and she looked into my checking account. 
So, knowing that the check was approved, I issued money orders from my checking account to pay for delivery of the vehicle to the buyer. This transaction also has electronic time stamps in their records that provide evidence that this occurred after the check deposit was approved. 
The banks security procedures should not have approved the check so quickly since they returned it later. But since they did, it has caused extreme financial difficulty for me with the potential loss of {$3000.00} and the closing of my checking a savings accounts. 
The branch manager has initiated a dispute of the {$3000.00} payment transaction due to failed bank fraud prevention procedures.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KS)

After receiving notice from a different debt collector regarding a debt of {$210.00} they were trying to collect, I sent a letter noting that I do not have any responsibility for the debt for which they were trying to collect. I then received a letter from Resurgent Capital Services dated XX/XX/XXXX for the same debt, stating that unless I notify them within 30 days after receiving that notice that I dispute the validity of the debt, they will assume the debt is valid. They sent another letter dated XX/XX/XXXX, which included a copy of a bill from XXXX for someone with the same name as me, but for an address, state, phone, and account that did not belong to me. I sent a letter dated XX/XX/XXXX, stating that the debt does not belong to me and I have no responsibility for it. I noted that none of the information in the billing statement they provided corresponds to me. I requested that they send a letter stating that they agree this debt does not belong to me within 30 days of receiving my letter. I also requested that they stop all other communication with me. I also requested that they not forward my information to another company and that they notify the other companies mentioned that this debt is not mine. I asked if they had reported this to a credit bureau that they notify them that it does not belong to me and to remove it from my credit record. I let them know that they have no permission to use the information I have provided for any other matter at any time and requested that they remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX. That letter included the same information that was included in the one sent XX/XX/XXXX & XXXX. I sent another letter on XXXX XXXX, XXXX, stating categorically that this debt does not belong to me. I stated that none of the information in the billing statement provided corresponded to me. I have never lived in that state, I have never had a phone with that area code, I have never had an account with the original company with that account number and that I owe them nothing. I once again iterated that they should stop all communication with me in any form and to notify the other company ( ies ) that this is not my debt. I also stated that they have no permission to use the information I have provided for any other matter at any time and to remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX, stating that they have initiated a review of the inquiry recently received. 

Additionally I believe they either shared or sold my information to another debt collection agency which has now contacted me regarding a different debt that does not belong to me.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE REQUEST FOR XXXX RE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation. 
Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date XX/XX/XXXX. 
Once verified please send a copy of my credit file. 
Respectfully, XXXX XXXX
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXXXXXX XXXX  XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXXXXXX XXXX XXXX  ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. 
I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. 

Bank of america fix this issue and return my funds.
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TN)

Equifax is reporting and unverified medical debt on my consumer eport this debt has never been verified I have no idea were it came from and there is no information on my consumer report about this debt. It is showing up as collections but it has not been verified. This is violation of 15 USC 1681 fairness and accuracy of credit reporting. 
Due to this inaccuracy I have been denied credit and my right to privacy has been violated. Also The cfpb states that all medical debt under XXXX $ would not be furnished on consumer reports.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (WI)

XXXX XXXX I filed a dispute with XXXX  in regards to a debt with The loan servicer, Navient. In my dispute I argued I've never taken a loan out with Navient, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because Navient supposedly reported certified information to XXXX   as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with Navient. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. XXXX XXXX 6. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

Experian wants to me to mail in a long list of PII, including a copy of a government ID and my social security number so that they can temporarily lift a credit freeze. This is even after authenticating through their automated phone system and providing my security freeze PIN. The other two companies were much easier but Experian does not offer a number that connects to a human agent to even explain why I have to go to such extreme lengths to verify my identity with them. Frankly, this is ridiculous.
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (TX)

In XXXX of 2021 XXXX XXXX put a late payment on my account. This was an auto bill pay issue and they recognized this on their end because they closed the account then reopened it when I disputed the issue with an account manager. They sent me a letter saying they changed my billing structure on the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.
Consumer complaint received 2020-07-10
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: AMERICAN EXPRESS COMPANY (OK)

I purchased the tickets for my wife ( XXXX XXXX ) and son ( XXXX A XXXX ) through AMEX travel online back in XXXX. They took the outbound flight from XXXX  XXXX to XXXX, XXXX but their returned flights from XXXX, XXXX to XXXX  XXXX was cancelled by the airline due to the COVID-10 pandemic. Once I heard about the cancellation I reached out to AMEX travel online team and asked them to reschedule our flights on the next available flight but we were denied multiple time and were asked to pay an additional fees and fare differences in order for us to be booked on the next available flight. These fees and fare differences are only applicable when the traveler changes their plan but per the airline policy these fees and fare differences are not applicable when airline have to cancel their flights for any given reason. Eventually, we were able to return by catching the U.S government chartered flight but to this day I have not received my refund for the unused tickets ( return flight ). I have tried to dispute it with AMEX dispute department but AMEX travel online keep telling them that its a non-refundable ticket. Which is once again a miscommunication by AMEX travel because I even reached out to XXXX airways and they said that " we are eligible for a refund due to the present circumstances and the fact that the flight was cancelled by the airline. '' AMEX dispute department representative even called XXXX XXXX to verify this information and she was in agreement. Once, she confirmed I was then transferred to the AMEX travel representative in order to have my refund processed after being on hold for about two and half hour I was told that my refund was processed. This happened back in XXXX but today I received a message from AMEX dispute department saying that they received a communication from the merchant ( AMEX travel ) saying that the tickets are non-refundable. They have been constantly miscommunicating and refusing to return our due amount. It has been almost three and half months ever since we returned home and we are still struggling to get our money back. 
Our trip ID is : XXXX Record Locator : XXXX I would appreciate your keen investigation in this matter. 
Thank you
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (WV)

On XX/XX/2023, Navy Federal Credit Union denied my claim for a chargeback regarding a transaction that was never successfully completed. I received notice of this online. I then followed up and called XXXX XXXX to inquire about this dispute. They said they could not help me and XXXX me a chargeback. 
I originally filed the dispute with them on XX/XX/2023. On XX/XX/2023, I made a transaction for {$420.00} to XXXX XXXX. I never received the items which I paid for and the merchant, ( XXXX XXXX ), never refunded me the money after requesting a refund. I never received a tracking number so there is no evidence that the items were ever shipped to me. I am unable to resolve this with the merchant and expect XXXX XXXX to do what is right.
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (WA)

OLD FTC FRAUD THEFT REPORTED 179 DAYS AGO ATTACHED BELOW Account number XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Contact XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-06-08
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. (OR)

THERE ARE TWO SPECIFIC ACCOUNTS THAT NEGATIVELY REMAIN ON MY CREDIT REPORTS, NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THE ITEMS. I HAVE ATTEMPTING TO DISPUTE THE FOLLOWING ACCOUNTS NUMEROUS TIMES : XXXX XXXX ( XXXX ), & UNKNOWN MEDICAL ( XXXX ). NOTHING HAS BEEN DONE ABOUT THIS MATTER AND IT'S GETTING TO THE POINT WHERE IT'S FRUSTRATING. PLEASE HAVE THE BUREAUS REMOVE THESE ACCOUNTS ASAP. THEY'RE NEITHER VERIFIABLE, ACCURATE, NOR COMPLETE ( FCRA ), AND I DEMAND FOR THESE ITEMS TO BE REMOVED IMMEDIATELY. THEY DO NOT BELONG TO ME!
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

Loan was held by XXXX and i filed an insurance claim at which point they sent an initial check I started work and did an inspection and they approved to send a second check. 

- I was called by XXXX and told the check was going to be put in the mail and that I would receive it in 5 days. 
- During that time my loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. 
- 10 days later the check never arrived and I received no further information. 
- I called XXXX and they told me that they did not mail the check because they transferred the loan and that I would have to initiate the loss process with Mr Cooper- I called Mr Cooper and gave them the info and they told me they will attempt to get the records but that It will be 3-5business days before they will know what the next steps are. 
- I have contractors that are going to stop work, my insurance is kicking me out of the rental and no way ahead because this money has been locked up by the banks that is needed to make my condo livable
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

I recently obtained a XXXX loan through Payoff to payoff my credit cards. I have a perfect payment history on all of my cards. After paying off my 3 Chase cards to the tune of almost $ XXXX, I receive a letter that all of my credit lines have been reduced to {$500.00} each. 

I called and after a re-review, they were willing to give back $ XXXX across the 3 cards. I was told they could not do more than that based on the balance I carried over the past year ( which was due to extraordinary circumstances ), because I was only making minimum payments and because I used a credit card consolidation loan to pay off the cards instead of personal savings. 

Ive been with Chase for several years and to be treated like this after paying off all of my accounts is absurd. It seems like they would have rather I kept making minimum payments so that they could collect interest. 

On top of that, having my credit limit reduced affects my credit score negatively when all I did was payoff my cards which should have boosted my score.
Consumer complaint received 2020-12-29
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. (VA)

I have asked Experian credit report to provide me a report to verify the accounts with my signed copy of the original contracts and they have not been able to provide me that information. And they have not taken those accounts off of my report that is damaging to my credit. Under the law, they are to comply to my request.
Consumer complaint received 2023-03-08
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}