davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (AR)

My purse was lost at the airport. I called Self credit card company to report my card lost. They reported the card lost and told me the card had been used so I filed a dispute. They refunded my money and about a month later they posted the charges back to my account. I'm not paying for something I never ordered nor received.
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I do not owe the Minnesota Department Child Support Division of XXXX County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I do not owe the Minnesota Department Child Support Division of XXXX County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

US Bank has closed my credit card without notice. The credit card in question is the US Bank XXXX XXXX which comes annual fee of {$400.00} and US Bank Rewards awarded for spending. I had paid the full annual fee in XX/XX/XXXX and thus only had the card until XX/XX/XXXX. US Bank did not provide any reason for closure and informed me that their Terms and Conditions allows the closure without further notice. Respectfully, I agree that closure is stated in the Terms and Conditions, but I do not agree that the company has chosen not to reimburse my 'annual ' fee when I do not get 'annual ' benefits from the card. 

In addition, US Bank confiscated the XXXX US Bank Rewards Points. They have not provided any means for withdrawing the leftover points and are is unwilling to credit those points. Since I did not choose to close my credit card, I want to formally request my XXXX points = {$8.00} cent, and the {$400.00} annual fee that was not reimbursed upon closure. 

If US Bank chooses not to reimburse the required fees, I will be proceeding with this issue in small claims court.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing wasn't mortgage company I was on foreclosure my sale date was XX/XX/XXXX according to the lawyers They gave me a reinstatement quote of {$20000.00} as of XX/XX/XXXX I was put on a repayment plan gave them {$10000.00} XX/XX/XXXX then 1st repayment {$3000.00} XX/XX/XXXX last payment XX/XX/XXXX I thought I was clear done all caught up but then in XX/XX/XXXX I get a notice that they sold my mortgage to XXXX  according to XXXX  I still owed {$5700.00} which is what XXXX stated in my mortage statement I cant believe they want more money I can not in good faith give NO more money unless someone can tell me where did all the money I gave them go I have given them more than enough & still they want more money scaring me into foreclosure or default I'm asking you to please look into this I can not will not give them no more money unless someone can tell me where all the money went why I still owe & how come my balance on my house never went down??? Attached is all the mortgage statements since XXXX the figures never add up all tax forms documents XXXX & XXXX. Also I'm attaching all proff of my payments to them bayview loan Servicing Please please help me If you can tell me how I owe them more money I would love to know
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (NY)

Kay Jewelers is reporting an installment account on my credit reports with XXXX, XXXX, and XXXX  that are erroneous. I have sent many dispute letters to Kay Jewelers as well as the credit bureaus but I have not received the validation necessary to report this account on my credit reports. 

KAY JEWELERS XXXX
Consumer complaint received 2020-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Complaint about Chase Branch : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX Incidence on XXXX at XXXX XXXX  CST : I have registered on the Chase Paper sheet on entering bank as a First Come First Serve basis. The list shows my name as a registered person. The lady XXXX doesn't want to take as I am not XXXX & 2 other customers ( who came after me ) were attended first at the branch.She was very rude & unhelpful. She removed my name ( darkened it with highlighter ) from the list & asked other bankers to attend XXXX customers. On inquiring, she added my name at the last page on the list I called for the branch manager & she was not in office at that time. She called me on my cell at XXXX XXXX CST. She apologized but it was very pathetic experience & discriminated against me ..since I am not a XXXX.
Consumer complaint received 2018-11-28
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)

I have disputed the late payments on XXXX XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2020-02-24
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. (FL)

To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing negative items with TransUnion on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. TransUnion has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to TransUnion and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to TransUnion. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to TransUnion to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to TransUnion, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to TransUnion asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to TransUnion letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by TransUnion. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, EXPERIAN AND XXXX  TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS
Consumer complaint received 2020-02-24
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. (FL)

SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, XXXX  AND EQUIFAX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc. (TX)

I received a call from XXXX. The woman on the phone said she was with ARS National and she had a legal issue in her office that needed my immediate attention. I refused to confirm who I was, because I had no idea who it was actually calling me. When I refused she threatened " That's fine. I'll take it up with your employer '' and hung up.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I was under a legal guardianship from XX/XX/XXXX to XX/XX/XXXX where the guardian was required by the probate court to approve or withhold approval of any contract as I was legally incapacitated with the inability to exercise the power/right to approve or withhold approval of any contract. As a consequence, any agreement, contract, or other binding document I'd sign without concurrent approval for the execution of the document from my then-guardian would have been considered null and void and unenforceable as my signature alone was not valid during that time. Several Promissory Notes containing my signature exists dated between the above two dates but no evidence of concurrent guardian approval can be located for any of them. My guardian did not sign anywhere on the Promissory Notes or include anything written or otherwise indicating approval. The Promissory Notes all have provisions for handling what is unenforceable. I made demands to my loan servicer for those Promissory Notes do one of the following : provide evidence that my guardian approved the execution of those Promissory Notes, or close all loan accounts and discharge all current balances associated with those Promissory Notes. Loan servicer responded by sending me duplicate copies of the Promissory Notes which were already in my files, but no evidence of guardian approval. I made a second demand and their customer advocate person sent back a letter filled with lies about the contents of the Promissory Notes and the actions of my guardian, not doing anything to abide by either of my demands. Loan servicer is now violating my rights.
Consumer complaint received 2021-04-19
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: Collection Consultants of California (CA)

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for an amount of {$400.00} now {$600.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.
Consumer complaint received 2020-02-24
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: WELLS FARGO & COMPANY (CA)

Ive made a dispute on the XXXX  website and it hasnt been resolved. Ive explained about my payment history Wells Fargo claims i was 30 days late on of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 when i was never late on any of those months when my dispute was closed they only managed to fix one month which was XX/XX/XXXX Ive had the credit card for almost 5 years and was never late on any payments Wells Fargo was rude when i called to fix the issue so i closed the credit card.
Consumer complaint received 2019-05-02
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. ()

.To Whom It May Concern, The reason for my dispute is XXXX XXXX, XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see whereXXXX XXXX, XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX, XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-02-24
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. (FL)

I have been disputing negative items with Experian on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Experian has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Experian and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Experian. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Experian to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Experian, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Experian asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Experian letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Experian. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (CA)

I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX XXXX and Equifax still refuse to update the information. XXXX XXXX and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX - Definitions ; rules of construction Exclusions. -Except as provided in paragraph ( XXXX ). the term " consumer report '' does not include- ( A ) subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2019-05-02
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. (IN)

My identity was compromised between XX/XX/XXXX ant XX/XX/XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2019-09-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These two XXXX XXXX XXXX Accounts were DELETED by XXXX on XX/XX/2019 from a recent investigation found Unverifiable by XXXX XXXX  XXXX. ( See attachment ) >>How can the same creditor be contradictory and state theses accounts are VERIFIED with TransUnion? Arent you getting the same information from the same data furnisher >>Account # XXXX Pay Status of >ChargeOff< but also reporting ontime payed as agreed. Please DELETE this account for erroneous reporting. ( See attachment ) >>Account # XXXXAn Original Charge-Off Balance {$720.00} higher than the Balance {$710.00}, never late but charged off and reporting a > ( {$5.00} ) <payment received >XX/XX/2019< on a Closed account Please DELETE this account for erroneous inaccurate reporting. ( See attachment )
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.