davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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. (CA)

XXXX XXXX XXXX is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I appreciate your time in addressing the removal of fraudulent items from my file resulting from alleged identity theft. However, there are still remaining items that require attention. As a victim of identity theft, I am requesting the removal of these items from my credit file, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates their removal no later than 4 business days after XX/XX/XXXX. This issue was previously addressed in my previous correspondence, and I am reiterating it here along with my new FTC report # XXXX. Furthermore, the information provided regarding these items was still unknown to me, and items from other bureaus have already been removed, raising doubts about their accuracy. Please remove the following items resulting from alleged identity theft : EXPERIAN : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This communication serves as a final warning. Failure to remove the listed items may result in legal action. I have informed my attorney of my intentions, and they are prepared to pursue legal recourse in the event of willful noncompliance.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

When I attended XXXX XXXX  from XXXX XXXX XX/XX/2007 I had taken out several loans. However, in 2007 I had taken out loans that XXXX kept and never returned after I had left and graduated in XX/XX/2007 over {$10000.00} in private and government loan money. It appeared in my student loan history on XXXX XXXX XXXX XXXX XXXX at the time but now its on XXXX. After graduating I had caught the fraudulent act in XX/XX/2007. I called XXXX XXXX  XXXX XXXX XXXX at the time and explain the situation and asked XXXX XXXX  to return the loan money since I was no longer a student there but rather a alumni. At the time, the Financial Aid Director at XXXX XXXX  promised he would return the loan money that XXXX XXXX  illegally kept after I had graduated but never did. Can someone please help me investigate this situation?
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (IL)

I have a Citi card ( Costco ) which I use for all purchase. Recently I bought an air ticket to visit my mother who was sick and admitted to hospital. Later her condition deteriorated and then I had to change my return ticket for the first time. After that her condition again improved and was discharged from the hospital. After coming back home, after a day she passed away at home. So I again changed my ticket for the second time. 

In the CITI card protection benefit document, the following are mentioned as the reason which is covered. 

" The Covered Travelers Family Member, not traveling on the Trip, has an injury or illness that is either life threatening or requires care from the Covered Traveler ( s ) and is verified by a licensed medical practitioner. '' " The Covered Travelers Family Member, not traveling on the Trip, dies '' However they denied this claim saying this is " Pre-existing conditions ''. 

I called them and they gave the same reason. This is a straight forward claim and I am definitely not happy with this. 

MY CLAIM NUMBER with CITI - XXXX Also attached is CITI benefit documenXXXX.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX  XXXX via XXXX XX/XX/
Consumer complaint received 2022-03-17
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2019-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC (OH)

I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC  affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?
Consumer complaint received 2019-09-11
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: JPMORGAN CHASE & CO. (TX)

I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY XXXX CREDIT REPORT.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

In XXXXXXXX XXXX XXXX, a {$9500.00} check for my Chase checking account was stolen in the mail and cashed at XXXXXXXX XXXX XXXXXXXX. I filed a Declaration of Unauthorized Endorsement with Chase, who said they intend to get back to me and recoup my money in 90 days. However the claim failed, for no good reason. I have called both banks countless times. 

I confirmed with XXXX XXXX XXXXXXXX that the root cause of this was that Chase submitted a typo when they submitted the claim. However though Chase has reopened the claim, I see no evidence they've actually fixed the typo or done anything to resolve something that ought to have been resolved almost a year ago.
Consumer complaint received 2019-09-16
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. (UT)

XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK (TX)

I have a XXXX XXXX Checking account. 

I had {$290.00} in it which I wanted to withdraw so I could close the account. So I set up a transfer to my XXXX XXXX  account for {$290.00}. 

Nothing happened. No confirmation and it didn't even show up in the recent activity. It also said there was an error with the transfer when i tried again so I instead used a check. 

I wrote a check to myself for {$290.00} and used the Mobile Deposit feature to get my funds. 

I received the {$290.00} in my XXXX account and called XXXX XXXX to close my account. 

When I called however, the woman speaking said she was unable to do so because I was overrated by {$290.00}. 

Confused by this, I look at my bank statement. The check went through perfectly fine but than the transfer went through the day after and it charged me {$36.00} in fees because I did not have enough funds. 

So I received a total of {$590.00} ( $ XXXX ) as a mistake. 

Eventually, XXXX XXXX took back the extra {$290.00} but still charged me the {$36.00} fee despite the fact that I received no confirmation that my transfer went through. 

If someone does not have enough money in their account, they're probably in a situation where they can not afford the {$36.00} and would rather have a " Transfer Declined '' instead. 

I had to pay the {$36.00} regardless and wrote a check, all because of an error on their behalf. 

They have made no efforts to right this and all I want is my {$36.00} back. 

I have screenshots showing I deposited the check first and THAN the transfer went through.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (FL)

I had a question about my credit score, and Equifax reason for my score. I spent close to twenty minutes on the phone listening to menus and answering security questions. I finally got through to a representative, and explained my concern and asked a direct question considering their reporting. The agent did not seem to understand the question, I explained it again slowly and he responded let me pull up your account to see. I was than put through to a survey and hung up on. This occurred on the XXXX of XXXX, approximately XXXX XXXX  EST. I made repeated attempts to try to get through for some assistance, but it would require me to yet again go through 20 minutes of menus and security questions.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

I am and XXXX XXXX veteran with free health insurance. I do not pay for health coverage because it is supplied to be freely. And if anybody has any debts that they're trying to collect from me it is only because they didn't followed the proper procedure and file the proper paperwork to get the veterans affairs to pay them back for emergency services. This is totally messing up my credit and affecting my livelihood and it's been happening for years now I need help please
Consumer complaint received 2019-09-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Please be advised that this is my FINAL REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I have disputed these accounts numerous times and Experian has failed to either reinvestigate or verify the correct information. Despite these requests, the unverified items listed below still remain 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 mine and is correct. In the results of your previous investigations and subsequent reinvestigation, you stated in that you " verified '' that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me ( Sections 616 & 617 ) if you fail to comply with Federal Law. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

AS I STATEDI wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (SC)

I have a checking account with Charles Schwab. I was on a website on XX/XX/XXXX and tried to purchase something for {$56.00} but immediately realized it was fraud. I immediately called Schwab to ask them to stop the payment as it was fraud and they put in a claim. I received emails on XX/XX/XXXX from XXXX XXXX from the claim department asking me a few questions. She then emailed me and said they were denying my claim. When I spoke with her over the phone she said she had called me many times, which she had not, and emailed me the merchant contract info to request a refund, also which she had not. I asked the before the transaction even posted to reject it and they did not. She also never sent me any information on the merchant so I could contact them myself. I literally have no contact information or website to go to to try to get my money back. While I was on the phone with her she gave me a number that is a fax number. I would like to know how she called them on a fax line. I want the rejection of my claim approved as if they would have just denied it before it cleared like I requested I wouldn't have this problem. Now I'm out {$56.00} and received no product or service and have no one to call or contact to get my money back.
Consumer complaint received 2022-03-01
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: CAVALRY INVESTMENTS, LLC (NY)

I am filling this CFPB complaint for collection account CAVALRY PORT account number XXXX. It was XXXX of XXXX when I started to see and dispute this account. In XX/XX/XXXX, the reported balance in this account was {$4000.00}. And after a few months of monitoring my account I noticed that every month the balance is getting higher. From the initial balance of {$4000.00} In XX/XX/XXXX now XX/XX/XXXX the balance reported went to {$4300.00}. First, I dont know this agency and I never signed any agreement to pay anyone extra fee or money in this account. I am very upset seeing the changes in the balance to the account I am not even aware of. In just a year CAVALRY PORT was able to add {$310.00} to this account. In XX/XX/XXXX I wrote directly to CAVALRY PORT to request for validation of debt to see what contract I have from them but until now I havent received anything from them. CAVALRY PORT failed to provide me validation of debt and failed to prove that the balance they are reporting is accurate. I was not given a choice but to file this complaint because I might not know how much more they can add and try to collect from me. I need the original agreement of this account and I need to get a response regarding this concern. Because of these violations, I am expecting this account to be removed from my credit report.
Consumer complaint received 2018-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/XXXX I submitted {$70.00} + fees on PayPal to XXXX for the purchase of a digital concert ticket. The individual immediately blocked me on all social media, not sending the ticket, yet still took my money on PayPal. It has not given me an option to dispute it through PayPal, but Im hoping thats possible to get my money back.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Orions Management Group, LLC (MD)

Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both XXXX  and Orions Management Group from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. Orions Management Group reported false information to XXXX to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on my credit.
Consumer complaint received 2018-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

XXXX XXXX XXXX XXXX uses intimidation tactics, many phone calls and letters to attempt to collect from XXXXXXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXXXXXX XXXX  XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2019 someone initiated a bill payment from a Bank of America account which I don't have nor do I know anyone with a Bank of America account. The amount was {$1100.00}. I immediately contacted my bank to inform them that it was not me, but they were required to perform certain operations to confirm this. Two days later, the " payment '' was reversed due to NSF, so this tells me someone knew the funds wouldn't be available, but they had TWO WHOLE DAYS to use the CLONE of my credit card. Thankfully, those attempts were declined, but I have worked for banks before and I know that Auto pay, ACH, billpay, Wire and transactions such as this CAN NOT be processed from an account which does either not exist or has the funds available. I have since closed the card as well. My bank has no further information than that it was initiated from a Bank of America Account, so I don't know how I could contact Bank of America and attempt to resolve on their end as well. 
I feel as though Bank of America 's checks and balances to prevent things like this are lax to say the least! 
If I had not caught this in time, I could have suffered major losses.