davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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. (TN)

I AM A VICTIM OF THE 2017 XXXX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

I am a US Bank NA customer & I have a complaint about the way the bank charges overdraft fees. The bank will tell you that you have until XXXX to deposit funds that will be credited to your account the same day. Yet I have checked my account as late as XXXX in the morning & it will show a positive balance only to check again later in the morning & find that they have processed checks, added to my account for the previous day which makes it overdrawn. They then charge me overdraft fees for those checks and/or debits added the previous morning. This seems to be a way for the bank to continuously collect overdraft fees. If I knew there were outstanding debits that were going to hit my account on a certain day I could try to cover them. When I do n't know then I assume my account is in good standing until at least the next banking day. This definitely puts the consumer at a disadvantage. If XXXX is the cutoff for a business day then the bank should not be allowed to post debits to accounts the next day as they have done to me on numerous occasions. I can only imagine how many other customers go through this.
Consumer complaint received 2023-10-06
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. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2021-11-15
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: JPMORGAN CHASE & CO. (NV)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove it from my personal credit file. Thank you. 

The XXXX Credit Bureau is reporting inaccurate information on JPMCB CARD. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXX Balance {$1300.00}
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (WA)

I currently have an FHA mortgage with Loan Depot. I refinanced into a conventional loan to with another lender to save money on interest and PMI. 

My new lender 's settlement company sent Loan Depot funds to pay off on XX/XX/21. After a few days I notice my account with LD is still open. I call LD to see what is going on and they tell me that the funds were short {$700.00} and they had returned the funds back. Then I call the settlement company and they tell me they never got the funds back. Calling LD back to ask how they returned the funds and they said they don't know how the funds was sent back but they showed that it was sent back on the XXXX of XXXX. I wasn't supposed to make any mortgage payments for 2 months ( XXXX and XXXX ) because we closed month end of XXXX. I had to make XXXX payment because LD at that point seemed like they had lost the funds that was supposed to pay off my loan. I file a complaint with the XXXX and on XX/XX/21 LD returns the money the same day. Now my settlement company is requesting a back dated pay off statement that will deduct any interest and my XXXX payment, but LD is dragging thus process for days and says that they can't back date it because it's our fault. They had no idea where the money was fir almost 2 weeks and it's our fault? XXXX is coming up and my Loan is still not paid off because of LD. XXXX XXXX and XXXX XXXX  have been very transparent and helpful. The closing rep at XXXX is also extremely frustrated and is willingly supporting me with this complaint. I need this resolved asap as my Loan is supposed to be with XXXX XXXX not LD. PLEASE HELP.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

I consumer XXXX did not enter into an agreement with Americollect have submitted a dispute several times with this company via the data mining company XXXX on date XX/XX/2022, I was told via XXXX that " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However, the investigation does not meet the requirement, there was no proof submitted to me to verify what XXXX did to investigate this matter
Consumer complaint received 2021-11-15
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. (NV)

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter concerning faulty and unknown matters on my credit score report. To this day, over 30 days later, I even have not acquired a reaction but. I experience like Im being taken advantaged of and being left out. Section 611 ( a ), It states that failure to analyze these gadgets within 30 days offers a cause to straight away cast off the ones objects from my credit score file. Its been over 30 days so that they have to be deleted directly. I call for that those bills be deleted straight away or I will document for litigation because of the pressure you've got brought about me. My statistics turned into also impacted via the Equifax data breach and might are becoming into the arms of the wrong person.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NE)

I OPENED UP A CAR CARE CREDIT ACCOUNT APPROX A YEAR AND A HALF AGO I HAD JUST PURCHASED A XXXX NISSAN ROGUE AND PLAN TO USE THE CARD FOR OIL CHANGES AND REGULAR MAINTINENCE, SINCE IT IS A BRAND NEW CAR AND NEEDED NO MAJOR REPAIRS. UPON GOING TO GET THE FIRST OIL CHANGE AT XXXX XXXX WHO WAS LISTED AS A MERCHANT, I WAS DENIED SERVICE AS THEY SAID THEY WERE UNSURE HOW TO PROCESS CARD SINCE IT HAS NO EXPIRATION DATE SO I WAS ENDED UP USING ALTERNATIVE FORM OF PAYMENT. AFTER ATTEMPTING TO USE XXXX XXXX AND ALSO XXXX I ALSO DID NOT HAVE SUCCESS WITH BEING ABLE TO USE MY CAR CARE ONE CARD FOR ANY SERVICE AS BILLING WAS AGAIN AN ISSUE I ALSO HAVE THE HEALTH CARE CREDIT ALSO FROM SYNCHONY BANK AND AND KNOW THAT THE MERCHANTS HAVE TO MANUALLY ENTER THE BILLING INTO A COMPUTER TO PROCESS IT IS A LONG PROCESS WHICH FRUSTRATES MOST VENDORS AND MOST WILL JUST SAY THEY CAN NOT PROCESS PAYMENTS WITH THE CARD. UPON MY 4TH ATTEMPT TO USE MY CAR CARE ONE CARD I FIND OUT THE CARD WAS CLOSED THEY TOLD ME DUE TO INACTIVITY, I SPENT ALMOST AN HOUR ON THE PHONE WITH A REP AND TOLD ME THE MERCHANT SHOULD HAVE KNOWN HOW TO CHARGE THE CARD AND IF NOT THEN THEY COULD HAVE CALLED FOR ASSISTANCE THE ONLY THING THEY WERE WILLING TO DO IS RE ISSUE ME ANOTHER ACCOUNT, WHICH THEY DID AND PROVIDE ME WITH MERCHANTS THAT WERE NOT LISTED ON THE WEBSITE BUT THAT WOULD ACCEPT THE CARD AS PAYMENT WHICH WOULD HAVE BEEN MUCH HELPFUL PRIOR. AS A RESULT OF THEM CLOSING MY ACCOUNT SUDDENLY IT DROPPED MY CREDIT SCORE XXXX POINTS, I SPOKE TO THEM ABOUT REMOVING THE CLOSED ACCOUNT FROM MY FILE, BUT THE ONLY THING THEY WANT TO DO TO ADD A STATEMENT THAT THE ACCOUNT WAS CLOSED DUE TO NON ACTIVITY WHICH WILL BE NO HELP IN RECOVERING MY DROPPED CREDIT SCORE AS A RESULT OF THEM CLOSING THE ACCOUNT.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SYNCHRONY FINANCIAL (CA)

We Re-Financed our Mortgage with a Credit Union, with Cash Back to Payoff Creditors. Our Credit Union used a Title Company to perform Creditor Payoffs. All but one Creditor received Payments. This Title Company has documentation they have sent two Payments, first to the regular Payment P.O. Box on Billing Statements. After 19 Days, Title Company said it was never cashed and Voided it. A second Payment was sent Overnight XXXX to a Payment Center at different street Address, Delivery received in person, yet after 8 Days has not been cashed or Posted to our Account. Our efforts to solve this are ignored by Collections & Customer Service. Our Credit Union & their Title Company are willing to again Void the Second Payment Check and issue a Third, but recommend a Manager Name, Telephone with Street Address for XXXX Tracking Delivery Verification, which the Creditor will not provide. Should we send the Third Payment to the same P.O. Box without ability to Track or document what happened to these Payments?
Consumer complaint received 2015-04-16
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Specialized Loan Servicing Holdings LLC (CA)

My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence.
Consumer complaint received 2023-02-21
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc (MA)

in accordance with the fair credit report act this creditor has violated my rights under 15 USC 1618 section 6 o 2 States i have the right to privacy ( 15 USC 1681 section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card as a late for any purpose
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo refused me access to my money which I had available instead of placing a hold on my account for the check that was deposited weeks ago they denied me access to my money.I spoke with loss prevention they said theyll investigate as I make it to my car and sit down XXXX XXXX XXXX XXXX XXXX XXXX XXXX the teller said I threatened her XXXX XXXX XXXX XXXX XXXX XXXX even though I bank there. I spoke with the corporate office they offered no solution they just said they dont understand why it went that far along with one of the officers, the branch manager and a few bystanders. Im utterly disgusted considering all of my funds are in that account and no one gave me a valid reason.
Consumer complaint received 2021-11-15
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: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX {$4000.00} ; LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5200.00} ;
Consumer complaint received 2021-11-15
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. (TN)

To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my Equifax credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am 100 percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is XXXX XXXX I attempted to rectify this situation with them but after speaking with the fraud department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted Equifax. I received conflicting information from Equifax. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for XXXX XXXX to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a XXXX XXXX  soft pull on the same date and there is no XXXX XXXX inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks in advance.
Consumer complaint received 2021-11-15
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. (DE)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX 1 XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-13
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: NAVY FEDERAL CREDIT UNION (NV)

AFTER SEVERAL ATTEMPTS TO RESOLVE THIS MATTER WITH BOTH THE BANK AND THE HOTEL WHERE I STAYED. I HAVE NO RESOLUTION. I WAS DOUBLE CHARGED MY STAY AMOUNT OF {$1100.00} ON MY CREDIT CARD STATEMENT. I HAVE ATTACHED DOCUMENTATION TO SHOW THE DUPLICATE CHARGE. AS WELL AS EMAIL THREADS SHOWING THAT THERE SHOULD ONLY BE ONE CHARGE OF {$1100.00}.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 16. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have always followed PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is of utmost importance to me as a long-standing user. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive review of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your attention to this matter. I kindly request that you initiate the review process promptly. Should you require any specific documents or details from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your consideration and look forward to a swift resolution and the opportunity to resume using PayPal 's services. 

Warm regards, XXXX XXXX