davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint to TRANSUNION was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was a victim of identity theft so I had to close my bank accounts. I made one late payment because of this and capital one refused to make an exception. Im a valued customer and I have never missed any payments since then. I spoke to someone at capital one and he agreed to report to the credit bureau and update it as never late. It us not been done.
Consumer complaint received 2019-01-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX XXXX-XX/XX/18 {$1800.00} XXXX XXXX  -XX/XX/18 {$3700.00} XXXX/XXXX-XX/XX/18 I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2023-03-09
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. (IL)

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 XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan transferred to ShellPoint Mortgage XX/XX/XXXX. In XXXX of XXXX I requested them to tell me the PMI auto termination date both verbally and in writing. Over two months have gone by and after eight phone calls, they continue to refuse to provide this date. They say I was 30 days late in XX/XX/XXXX and say they can't remove the PMI and avoid telling me the auto term date. I told them several times that per the Homeowners Protection Act of 1999 they must provide me the PMI disclosure form furnishing the date but they act like no such thing exists. My loan originated in XX/XX/XXXX and either the auto term date has already passed or is coming up soon. I purchased my home for {$380000.00} and did a down payment of {$38000.00}. My loan is for {$340000.00} and the current principal balance is {$280000.00}. It is also my understanding the PMI should be cancelled the following month my loan was brought current based on auto termination guidelines.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Unverified accounts was not investigated. 

XXXX XXXX : unverified XXXX XXXX : unverified XXXX XXXX : unverified XXXX XXXX XXXX XXXX : unverified XXXX XXXX  : unverified
Consumer complaint received 2019-01-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

To whom it may concern, refer to complaint number XXXX same complaint. 
my husband mr. XXXX XXXX XXXX sr and mrs XXXX XXXX XXXX have joint bank accounts. 
essential checking. and goalsetter savings established in XXXX XXXX XXXX. 

I want to also duly note that my husband and I don't do online banking business..however we did utilize it in XXXX a few times and beginning of XXXX. after that we stopped. shut it down. fifth third admitted over phone brown over phone. 
XXXX XXXX fifth third XXXX XXXX. ( refer to complaint number above ). we never created any other bank accounts like commercial that was stated on paperwork ... ( with this alleged payee ( XXXX ). we don't have payee. ss administration knows this and we don't have power of attourney. we assume current property manager XXXX and XXXX  XXXX ( former property manager-XXXX XXXX  ) XXXX XXXX XXXX ( jobs 4 life ).  working together in identity theft ..bank embezzlement scandal. along with XXXX XXXX and XXXX XXXX of XXXX. there was also another bank account created XXXX XXXX   XXXX created. my husband and I did not create XXXX XXXX XXXX account. we had fifth third shut that down. we mentioned this to mr. XXXX at fifth third on XXXX ( he was from XXXX, ohio ). it is now closed. he stated to me and my husband that we were not getting our money back after we showed him increase information from last XXXX in XXXX XXXX. and we didn't have payee. he was also aware of bogus XXXX XXXX  XXXX account we never created. we believe mr XXXX last name stated with XXXX was part of embezzlement scandal. we have documentation to prove I am my own payee. maiden and married. ss administration stated on camera last female that we get our own monies.this was XXXX XXXX XX/XX/XXXX mentioned to us by phone by two ss admistration reps the increase in ss income.. those particular fifth third employees played role in embezzlement of our ss monies. duly note fifth third mentioned power of attourney. we never had power of attourney. so strongly assume XXXX XXXX another associate of fifth third mr XXXX were stating they were our power of attourney and payee. and miss XXXX said power of attourney. we never signed power of attourney or payee paperwork XXXX XXXX or XXXX XXXX of XXXX organization. as stated before in report up above .refer to that. miss XXXX XXXX made multiple copies of birth certificates, ss numbers, marriage licenses etc.. They illegally attached people to us via, XXXX, including XXXX XXXX ( who were illegally attached and they pretending to be us. they illegally had our ss numbers. identity theft on XXXX illegally attached via featherfist XXXX XXXX and XXXX XXXX and XXXX XXXX. 

.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

I applied for citi costco visa credit card. Since i have alert placed on my credit, every time i apply for new account bank rep will verify my id talking to me on phone and verifying my personal info after which i am approved. Since i have excellent credit score i was never declined before this time. so they told me i will receive a letter in mail explaining their decision. My letter i got from citi bank says can't approve application because we could not verify the accuracy of the information. They also didn't ask me to provide any additional info. I believe this is simply unjustified because they spoke to me and verified my id. Also i have open another account with XXXX XXXX about 1 week ago and everything went fine. 
I have called citi bank 3 times about this issue and they flatly refusing to give me any reason why i am declined. Also citi bank employees should know alert placed on anybody 's credit is not justification for denied credit. Thanks for help.
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IN)

I am in the beginning of a mortgage re-fi. I mailed a dispute letter to clear up several inaccurate items on my credit XX/XX/2019. 

Then this mysterious collection appears on my credit? I was never, ever notified by mail about this medical issue from State Collection Service. I mailed both dispute letters to all CRAs and a direct debt validation letter to State Collection on XX/XX/2019. 

The debt was validated on XXXX, deleted off XXXX, I do not believe it was ever reported on XXXX. Yet, the direct furnisher letter was never answered? 

I believe from my credit reading that validating a CRA dispute is a violation until the direct furnisher letter has been verified and a response has been mailed to the person disputing.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

In XXXX of 2018, I made arrangements to lower my student loan payment through Navient. They agreed that I could pay {$68.00} for a year and then have my payment reassessed. I paid them {$75.00} and waited for my next bill as instructed. The next month my bill was like {$250.00} dollars and they said no payment went through but my bank said it did. They refuse to honor the agreed upon payment of {$68.00}. Navient also calls obssessivly. They will call my cell phone 5 to 6 times a day and my land line at least 4. It is always a recording and reaching a deal person is difficult. Last time I tried calling I was in gold for 20 minutes and just hung up.
Consumer complaint received 2022-07-15
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. (WA)

today I was alerted by all the credit bureaus of 19 false inquiries on all my credit reports i have already filed with identity theft.gov I will upload a copy of the report as well as a result my credit score was decreased in abundance from something I didn't do my self as well as all the credit bureaus violating my rights which in turn hurt my credit score In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, as well as XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I received a letter in the mail about Commonwealth trying to collect a debt in the amount of {$920.00} back in XX/XX/XXXX. After I received the letter I responded in telling the agency that I didnt recall using medical services and if they could verify then I would pay the alleged debt. ( Some kind of contracts, signatures ) Commonwealth responded back XX/XX/XXXX with itemized statement, which I didnt think was appropriate. I then contacted the credit bureaus ( XXXX, XXXX, XXXX  to notify of dispute. In XX/XX/XXXX I received a letter from XXXX  stating the debt was updated. I then responded with a letter to determine method of verification from XXXX  & also Commonwealth. XX/XX/XXXX XXXX sent me a letter and Commonwealth had been deleted from my credit report. Commonwealth is now as of XX/XX/XXXX trying to collect on this debt and has not verified this debt with me or the bureaus. I am also suppose to be notified of information that was once deleted off of my credit file. Commonwealth has also changed information with collection I will also send documentation to support my claim. In my new credit report they are not reporting the same nor correct information.
Consumer complaint received 2022-07-08
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, a XXXX XXXX purchased a XXXX XXXX  for {$350.00} from me using XXXX, which was linked to my Chase account. I withdrew the funds to my Chase Checking account on the same day. 

On XX/XX/2019, I was notified by XXXX that XXXX 's bank had issued a chargeback and Chase took the amount directly from my checking account. 

I opened a dispute with Chase on XX/XX/2019 and explained my situation. 

On XX/XX/2019, I received paper mail from Chase notifying me that they had denied my appeal and are taking my {$350.00} to return to XXXX.
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I noticed a negative collection account on my credit report on about XX/XX/2018 .the debt  collection company name is Grant & Webber . The amount they claim i owe is $ XXXXI do not recognize this amount, company or services this company claims i owe. After unsuccessful attempts to contact this company via telephone, i wrote them a letter and sent it via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The letter informed this company that i have no knowledge of this debt and that i am certain they are making a mistake. I further asked for any proof, validation, agreement or contract verifying i asked for or purchased whatever they claim i relieved that has me owing {$13000.00}. They responded with a copy of an invoice for some type of medical procedure by a Doctor i have never heard of or received any treatment from.The typed invoice was made to a name similar to mine however not my exact name. At no time did they provide a contract or request for service agreement with my name or signature on it. I responded in writing demanding they either give me proof, verification and validation that this debt is mine other than a basic generated invoice they created. I never received a response. I disputed this issue with XXXX  credit and was simply told that this company certified that i owed the money however that XXXX did not require them to submit any proof that it is my debt.This company has been negatively affecting my credit profile and refuses to respond to my request.
Consumer complaint received 2019-01-17
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: SYNCHRONY FINANCIAL (NV)

Today i recieved an alert that Synchrony Bank requested a copy of my credit report. I immediately contact XXXX because I have been a victim of identity theft in the past. I havent applied for credit with Synchrony Bank or PayPal, please remove this fraudulent hard inquiry from my credit report. I placed a fraud alert in my credit report to make sure this wont happen again.
Consumer complaint received 2019-01-17
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: Experian Information Solutions Inc. (AP)

I'm unable to lift the credit freeze placed on my account and Experian has made it impossible to resolve this issue by not allowing customers to speak with a live person even during business hours. The only help the automated system offers is sending me to their website regardless of what limited selections are offered on the phone.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Called company to make a payment they informed me they do not supply receipt of payment until debt is paid in full. XXXX XX/XX/XXXX I called into make a {$550.00} payment the rep told me it had to be set for a payment play and taken out until paid in full. They do not take partial payments nor do they supply receipts of the payment plan. How are you suppose to have proof or track that payments made.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I submitted the following complaint : " I had enough funds to cover all debits on the above referenced account except one, XXXX Visa for {$270.00}. This debit was not among the debits listed in my account on XX/XX/XXXX and so it clearly posted last from a chronological stand point, in fact it appeared the day after XX/XX/XXXX on the ledger so there is no way that it posted before all the other entries. 

In any case, there were sufficient funds for all remaining debits on XX/XX/XXXX. I believe there should only be one NSF fee of {$34.00} for the XXXX payment. Therefore I request a refund of {$68.00} for the two extra erroneous fees. '' The customer service response did not acknowledge the facts of this case. I had my account covered for all posted debit on XX/XX/XXXX, and the debit that cause an overdraft did not appear until the following day. Due to this fact Chase over charged my account. Chase has been very aggressive in charging overdraft fees unfairly. Further more, customer service agents appear to reflectively refuse to correct errors.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.