davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

These people are rude and unprofessional they did not want to help me at all they hung up in my face when I simply ask to speak to supervisor they threaten me and told me this wold XXXX XXXX my credit they are called XXXX XXXX XXXX I never stayed there never will stay there they refuse to delete this off my credit report doing high pandemic times it has effected me rapidly with great financial hardship they refuse to comply.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I send a dispute letter to Equifax Information Services LLC requesting verification or a contract with my signature showing as proof that I legally responsible for the account from XXXX XXXX XXXX with debt of XXXX, XXXX that is inaccurately reporting on my credit report. By law they have 15 days to respond to me with proof I did not receive any verification. XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (SC)

I have been offered a " work study job '' sent to my school email talking about helping a person make payments on his behalf on XX/XX/2021. This is that email. 

XXXX You were referred with 10 other students from the XXXX XXXX XXXX XXXX XXXX to work and study for {$400.00} weekly, XXXX XXXX and XXXX XXXX looking for you to fill up this available position! 
If interested, kindly send your phone Number and personal email address for better communication for more details also needed. 

Regards , XXXX XXXX XXXX This person then sent me this. 

I work as a XXXX XXXX for the department of XXXX XXXX and XXXX XXXX ( XXXX ). I provide individual and group therapy, coaching, assessment and academic screenings to support students with XXXX ( XXXX, XXXX, XXXX, and XXXX ) registered with ( XXXX ). A large percentage of the students served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need XXXX health support to be successful at the university. 

Guideline & Benefit as follow : **Weekly payment {$400.00}. 
**6-8 hours weekly ***Instruction on the first task will be sent via email. 
**You will only help me Mail letters, make payments at XXXX and purchase some Items when needed. 
Provide me with the following details below to Apply : Full Name : Full Address : Apartment number : Current Occupation ( If Any ) : Gender : AVAILABILITY : How often do you check your email daily___________? 

I look forward to a long-lasting working relationship. 
/ Sincerely , XXXX XXXX XXXX fell for this and did it. I was told to buy business check paper and print out a check that was emailed to me. I then was told to make payments through XXXX to emails I was not sure about. There was 5 total. 

4 Through XXXX connected to BB & T XX/XX/2021 of {$350.00} through XXXX XX/XX/2021 of {$500.00} through XXXX XX/XX/2021 of {$350.00} through XXXX connected to my bank XX/XX/2021 of {$300.00} through XXXX XX/XX/2021 of {$400.00} through XXXX Total of {$1900.00} I then realized that this job does not match up with the job description and I copy and paste the email into XXXX and found multiple websites with the exact same email with different names saying it is a scam. I have contacted BB & T ( my bank ), XXXX, and XXXX and I am unsure if I can reverse the amount since I authorized the payment on my behalf. I have included the emails and some screenshots of the text and can send more.
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. your company refused to provide all information such as who the original creditor is as requested on my debt validation letter. your company refused to completely remove your business from my private consumer report. Your company also unlawfully reposed my vehicle without any merits whatsoever as I am the original creditor according to the XXXX. 
This has caused me defamation of character, severe XXXX XXXXXXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I settled my account with XXXX confirmation number I was given is : XXXX. I was told that my items on the report would be removed with the XXXX XXXX reporting. Instead I received an alert that XXXX reported a " high balance '' and my credit score dropped. I called both XXXX and the credit bureaus to correct this and both pointing a finger at each other saying there is nothing they can do.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I make all payment on time. 
my credit report is showing my open in great standing as late and now closed. 
its showing late payment for 90 days on XX/XX/2022. 
its showing they closed account on XXXX XXXX. 
this is false
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

I am became a member several years back an attempt to try this new prepaid credit debit card/bank account Bluebird American Express services. 

I never thought that simple and standard, card services would become a complete nightmare. 

If anyone is thinking about this services I would steer clear away from these services. 

I have tried over and over to get this so called company to resolve this issue and nothing was resolved. 

Then they place hold your account with your added founds for several days and you have no use of your own money. 

Also ever time you make a purchase they double the amount on that one purchase, so that it purposely lowers your amount that you added with your money. 

So finally I asked to just close my account, and send me the balance that I added. Needless to say that they shorten me {$300.00} from the balance that I added to this account. 

This financial institute, didnt even allow me to go into my account or look at my balance nothing. 

The state attorney needs to investigate this company because I really do think this company is in business into robbing people XXXX and legally.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

This is the second case I 've had like this. Their system is replacing previously reported data with " NR ''. For years, Equifax has report my XXXX XXXX account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is deleting the reported credit info for each monthand turning into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX XXXX. XXXX is next week and the month of XXXX XXXX was replaced with " NR '' a couple months ago and still showing " NR '', which means it is NOT going to purge off XXXX XXXX like it should in XXXX XXXX because there is No Report history.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023, I received a text message asking if I made XXXX transactions. I replied XXXX, and they sent me a message saying my card was blocked. 

On XX/XX/2023, XXXX transactions using that card were declined for {$27.00}. Another transaction on XXXX XXXX in the amount of {$15.00} via cashapp was also declined. 

However, on XX/XX/2023, a transaction for {$980.00} was approved using the same card that was supposedly blocked. I tried reaching out to the company that processed the transaction to no avail. I then reached out to Wells Fargo. 

They told me that the card was supposed to be blocked but sometimes, a transaction would go through if it was a subscription service. The other XXXX previously declined transactions were subscriptions ( I pay bi-weekly for those ). I explained that if that was the case, the other XXXX transactions should have been approved. 

Of course, I am going to be charged an overdraft fee but didn't they get sued for something like this before? This is beyond frustrating.
Consumer complaint received 2022-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I received a Notice of Sale of Ownership of Home Equity Line of Credit via mail XX/XX/2021 from Specialized Loan Servicing ( date of loan XXXX Loan amount- {$40000.00} ). I informed them immediately via certified mail that this is a fraudulent loan and my signature was forged. I have requested a copy of the loan documents and never received a response. I spoke to a Customer Resolution person named XXXX, XXXX several times ( 4 ) via phone and informed him as well that I never signed for a Home Equity loan and he told me that Specialized Loan Servicing could not do anything and that I would need to file criminal charges against the person who forged my signature. XXXX stated that he would send me a copy of the forged loan documents. I called to follow up on XX/XX/XXXX and spoke with XXXX and he said the documents are in archive and is taking a while to be pulled and that he will send out within 7 to 10 business days but I had to agree to a loan modification in order to stop foreclosure and send them a check for {$6900.00}. I sent a check on XX/XX/2021 in the amount of {$6900.00} that they cashed and they never sent me the fraudulent loan documents. Now they are sending me a notice that they may pursue with foreclosure and that they offered me relief assistance which is not accurate.
Consumer complaint received 2022-10-12
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. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 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 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 2022-10-15
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. (FL)

I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights unde

r 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 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 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but XXXX XXXX, ontinuously put information on my report that is not % 100 accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, FCRA section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove 18 account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations 15 US 1692e, 15 US 1681 s-2, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX XXXX fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX XXXX XXXXXXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau XXXX, Experian to follow the law
Consumer complaint received 2022-10-12
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. (NC)

I am disputing this here AGAIN, because XXXX has placed someone elses name on my credit report under Responsibility How is another person that has their name on my credit file, offers due process? They cant! I did not authorize anyone to put someone elses name on my credit file relating to any specific account and I most certainly did not give XXXX permission to report another persons name on my credit file and I have never seen such a thing! This can not be legal because it does not offer dispute or due process under fair credit reporting and this has to be a beach or someone elses rights and right to privacy.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

AS I DO NOT ASNWERS ANY PHONE CALLS ON MY CELL PHONE AND i HAVE THE RIGHT NOT TO. THEY STARTED TOCALL ME AT WORK AND TOLD MY COWORKER THEY WERE CALLING TO COLLECT A DEBT.. IT WAS EMBARRZED AS EVEN MY BOSS WAS HERE AT THE SAME ROOM WE WERE HAVING A MEETING AND THIS PERSON STARTED TELLING ME I HAVE A DEBT ETC.. I AM ON THE DO NOT CALL LIST AND STILL RECEIVED PLENTY PHONE CALLS. THE DEBT WAS IN 2016 HOSPITAL BUT I HAVE TRIED MY BEST AND THE LOCAL HOSPITAL ADVICE JUST TO LET IT GO. AS THEY COULDNT HELP ME NEITHER WITH THE BILL.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I opened a checking & savings account with XXXX online and was provided with an option to transfer funds electronically from an existing account. I opted to submit {$500.00} from my Chase checking account, which was debited from my account the following day. 

On XX/XX/2021 I received notification that XXXX  was closing my account. I was instructed any deposits would be returned. According to XXXX the {$500.00} was never deposited into the account at XXXX but the funds were never returned to my Chase checking account. 

I have communicated with both Chase and XXXX over the past few months. Both banks believe it is the other 's responsibility to refund the {$500.00} to me. XXXX also believes the funds may be stuck at an intermediary bank. 

I would just like to get my {$500.00} back since it was never deposited into the XXXX account, which is now closed.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.
Consumer complaint received 2024-03-07
Product: Credit reporting 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 accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (SC)

I have already paid off what I charged on the account. One of the employees at the store added a person to my account and allowed them to charge my card. Now resulting in a unpaid huge balance as well as my credit score dropping and reflects it. I have contacted the company several times without it being resolved. I am asking it be cleared up and removed from my credit report.
Consumer complaint received 2021-05-11
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)

There are three accounts on my credit report that are not mine I have no accounts like these credit cards or anything else like this I have been going back and forth with the bureaus since XX/XX/2020 and I need this taken care of asap!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$340.00}
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, Ocwen Loan Servicing, LLC, communicated for the first time that the flood insurance had expired. Under Florida statutes a lender or servicing company must provide sufficient notice to the homeowner at least 30 days before it actually expires to avoid any gaps or lenders force placed insurance. 

We provided flood coverage. However on XX/XX/XXXX, Ocwen loan servicing LLC, responded that was unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX. 

In response to their letter dated XX/XX/XXXX, unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX, be advised Ocwen Loan Servicing LLC, stated on thier previous letter on XX/XX/XXXX, that the policy had expired. This means that there was an existing policy. As per Fema regulations, when ever a homeowner has an existing flood policy there is no gap when renewal because is a rollover.

As per Fema regulation, when is a new flood policy then there is a 30 day wait. Ocwen made an admission on XX/XX/XXXX, by clarifying that there is an existing flood policy and therefore is a rollover with no gaps. Whys is Ocwen referring to a Gap? Because is a long time scheme Ocwen was engaged to for many years. 

In XXXX, a class action lawsuit XXXX v Ocwen Loan Servicing, the servicer agreed to a XXXX XXXX class action lawsuit settlement over allegations they entered into a force placed-insurance scheme that charged the homeowner inflated premiums for flood policy. 

Ocwen, failed to provide us with the flood renewal within the statutory 30 day prior notice to the policy expiring. We ask that you investigate the matter.