davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
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. (MD)

Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, Experian, and ESPECIALLY XXXX ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized  user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. Experian, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from Experian - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
Consumer complaint received 2018-04-23
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)

XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX account fraud this account does not belong to me.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

On XXXX, I called XXXX, Amazon Card Customer Support. I stated that 4 returned purchases were supposed to have been credited to my XXXX Visa Amazon account ( that is what I specified in the Return Item process ). I received emails stating that the refund amounts were available in my Amazon Account. 
Refund Amounts and Dates : * {$32.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX * {$26.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX * {$38.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX * {$22.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX The associate at Amazon Card Customer Service could only transfer {$38.00} to my credit card account ( tho I still haven't received an email stating that is the case ). She claimed I had used the other Gift Card amounts in purchases. However, there is still {$61.00} remaining in the Gift Card account. This does not make sense. Nor does it make sense that I specify the refund is to go to my XXXX Visa Amazon Card, and instead it is put into a Gift Card account. At the very least, this is a misleading practice by Amazon/Chase. 
In addition, the purchase amounts of the above items are not recorded in the Chase XXXX Visa Amazon account. This seems like a misleading oversight.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my credit card without any warning or notice to me. They did not even provide me with closure notice. After I called their customer service, they said I will receive a letter, which had details of date of closure but did not mention the reason for closure. I am being discriminated against.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (LA)

Since XX/XX/year>, I have been receiving phone calls every weekday from an organization identifying themselves as " United Collection Bureau '' or something similar ( they read so fast from the script I can not tell sometimes ). 

The number comes up as " Spam Risk '' on my phone so I do not answer. The originating numbers are from Indiana ( it is never the same number twice ). 

I do not have any debt to be collected. There is no collection item on my credit report. I have never received anything in writing from an organization called " United Collection Bureau '' nor from any company that would employ them regarding an outstanding debt. 

I do not know what this involves and am not picking up a random phone call titled " Spam Risk '' and/or conducting busness over the phone with an unknown entity. 

At this point, the volume of calls are harassing in nature.
Consumer complaint received 2019-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

This company took over my mortgage in XX/XX/2018 and has been completely negligent in their handling of my escrow and homeowner 's insurance from day 1. They overpaid HUD, shorting my escrow and thus calling for an increase in my monthly payment. Then they overpaid ( TWICE ) my homeowner 's insurance, again shorting my escrow and trying again to raise my mortgage payments. 

NOW they have underpaid my mortgage insurance premium by {$13.00} to XXXX XXXX, risking my home not being insured which would put my FHA mortgage at risk. I am 100 % sure they are doing this in an attempt to force my mortgage into one of their insurance programs to try and steal more money from me. This company needs to be put out of business. Their business practices put people 's homes at risk and are obviously meant to try and make their books look like they have higher mortgage payments coming in than they really do.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NC)

When I went on line to search for my XXXX-Int statements and noticed that my sons joint checking and savings accounts ( which I opened for him at birth in XXXX ) were no longer visible in my online view. I quickly called customer service and they informed me that the accounts were closed in XX/XX/XXXX due to a lack of activity and the money was sent to the state ( NC, I presume ). 

I am upset for several reasons. First, Navy Federal failed to contact me in spite of the fact that my contact info ( mailing address, email address, phone number, secure on line account with contact/messaging availability ) are part of my on line profile. Second, when I went to look for the money on the NC Dept of Treasury website, I was unable to find any record of the money. Third, I have now wasted several hours of my time trying to find money belonging to me that I entrusted to you. 

I am so upset that I immediately closed all remaining accounts with Navy Federal severing an 18 year relationship. 

While we are not talking about any significant dollar balances, I am nonetheless disappointed in the level of service from an institution I have spoken fondly of and recommended to others for years.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

On XX/XX/2018 I spoke to XXXX XXXX regarding an error Bayview Loan Servicing created on my Loan Number : XXXX XXXX sold my load to Bayview Loan Servicing. Bayview Loan Servicing is reporting I am 3 months late. However I have never been late as I have banking  information and statements showing my payments.
Consumer complaint received 2022-01-07
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. (GA)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Persolve, LLC - Legal - Series 2 (CA)

My bank accounts were levied XXXX XXXXXXXX by Persolve XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX XXXXXXXX woman in my XXXX I am XXXX XXXX XXXXXXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WI)

I opened a checking and savings account with an offer of {$300.00} for the checking and {$200.00} for the savings in BMO Harris Bank when I finish 2 direct deposit in 2 months and {$10000.00} balance on XX/XX/XXXX. I have already met all the requirements for more than 2 months. I opened the account with my friends together and they all got the bonus at the beginning of XX/XX/XXXX. But I never got it. I have called BMO Harris Bank 10s of times and every time they keep me waiting for more than 1 hour and then told me I have already met all the requirements and just need to wait a few days, one more week and next month. I have been waiting day by day, week by week and month by month for more than 3 months but I still got nothing. I spent more than 20 hours contact with them about this problem but haven't been solved. 
That's the worst experience I ever have with a bank. I suffered a lot in the meantime.
Consumer complaint received 2021-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (CA)

I will sell it on XXXX from XXXX to XXXX. These funds were transferred to PayPal account, totaling USD XXXX. But. PayPal withdrew all my money without my permission, and the account balance became XXXX. I lost a lot.

So I have to complain about PayPal
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NC)

I have paid my XXXX XXXX Bill. XXXX has XXXX Balance in their system. Months later a Company name Amsher Collection Service added a {$140.00} collection amount in to my credit. 
Their phone system is set up to not receive phone calls. 
They illegally add an amount that does not exist. 
I think They called me lying under the name of XXXX to get paid. 
My credit drop 54 point.
Consumer complaint received 2024-03-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: M&T BANK CORPORATION (MA)

The bank can't find my account. In XXXX XXXX I purchased a {$5000.00} " XXXX CD special '' from XXXX XXXX XXXX in XXXX MA which became XXXX XXXX XXXX XXXX and XXXX XXXX M & T Bank . After losing track of this account I contacted M & T which could find no account in my name and refused further action. Attached below is a copy of the signature card for the account.
Consumer complaint received 2023-01-26
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (PA)

I deposited {$60.00} to my NetSpend account from another bank which is also mine. Netspend randomly and FOR NO REASON removed my access to this account and I can not login. XXXXThey asked me to send my license to them to prove my identity. I sent my drivers license and now they want my social security card and I am not sending it. I want access to MY ACCOUNT AND MY MONEY IN IT - ASAP '
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2022-01-07
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. (GA)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/23, I made my regular paycheck deposit of {$2300.00} into my account and as usual, it cleared the next day and I started using the money. Santander bank then placed an extended hold on my account and deprived me from accessing the money I need to sustain my family and run my business. The problem is that they have already cleared the check and they have done this before and have apologized that since the check has been verified and the same amount is deposited into my account every two weeks, this should not happen again. I called to speak with multiple people in the bank and they could not give me a reason for the hold nor do they have the authority to remove it. My boss got confirmation from her bank that Santander bank has received the funds but they are holding on to it causing my family hardship and other bank fees. I want Santander bank to release my money and to not charge me fees resulting from their irrational actions and to be responsible for other bank fees related to this action.
Consumer complaint received 2019-02-04
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 — Problem with personal statement of dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

A WAKEFIELD & ASSOCIATES Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 



That outstanding bill is not authorized by me. I am highly upset that this affects my credit score. I have never been affiliated with this company and I am a victim of fraud.