davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi Its been almost 4 months since I started disputing the inaccurate information on my credit report, I am not sure whats going on but I need these errors off my report as soon as possible. I requested for you to validate these accounts for I believe these are mistakes. The letter was sent on XX/XX/2021 but until now the mentioned negative items are still on my report nor have I gotten any response from you.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi Its been almost 4 months since I started disputing the inaccurate information on my credit report, I am not sure whats going on but I need these errors off my report as soon as possible. I requested for you to validate these accounts for I believe these are mistakes. The letter was sent on XX/XX/2021 but until now the mentioned negative items are still on my report nor have I gotten any response from you.
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2021-12-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Never my addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

We have been customers of Regions Bank sinceXX/XX/XXXX, when they were then known as XXXX XXXX Bank XXXX XXXX. We have/had a XXXX XXXX XXXX FREE Checking account. They started charging a monthly fee for holding this account with no notification because it no longer receives Social Security deposits ( due to seizure by the government to pay for XXXX expenses ), and it was not in the account requirements when we opened the account that direct deposit or any minimum balance was required. After discussing the issue with a customer service rep, they told me we had no choice but to pay the fee, would not refund the fee, nor waive the fee. They also refused to allow me to close the account without jumping thru a ton of hassles. Regions has made a habit of overcharging and bilking senior citizens living thru fixed incomes and XXXX issues by sucking extra fees from accounts with well over a {$1000.00} balance.
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Skagit Bonded Collectors, LLC (WA)

Skagit Bonded Collection for XXXX XXXX I asked them to verify debt pursuant to The Fair Debt Collection Act SS XXXX they sent a letter, followed by a phone call on XX/XX/2021 at XXXX XXXX  ( PAC ) time, stating that they are not required to send me anything. I sent certified letter on XX/XX/2021 notifying them that their response did not comply with the FDCPA SS809. Cease all collection activities until they comply by providing me the requested information. I will be seeking civil liabilities pursuant to section 813 for wilful noncompliance. 

I obtained a copy of my credit report on XX/XX/2021 Skagit Bonded Collection is on there.
Consumer complaint received 2021-12-11
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. (NC)

I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I waXXXX XXXX  and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.
Consumer complaint received 2021-12-11
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. (NC)

I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

Discover Financial Services indicates that I opened an account in XXXX of XXXX. At this time, I was working in the XXXX since XXXX, XXXX XXXX for the poor fishermen of a small remote island, destroyed by a Super Typhoon. When I returned to the United States in XXXX, I had recently had a XXXX XXXX in the XXXX, and returned to the U.S. to recover. It was at that time that I was notified that Discover had attempted to collect a debt that I knew was not mine. I sent a letter to Discover in XXXX of XXXX, notifying them that this was not my debt, but was likely my son 's, who was also XXXX XXXX XXXX, and had been living in my home at the time the alleged debt began with Discover. My son has been suffering with extreme XXXX, and XXXX  use from his XXXX XXXX XXXX XXXX. 

I noticed that Discover is still listing this debt as mine, and shows that the account is open with a balance of about {$1500.00}. This reflects on my credit report as open, with the balance still open and active, though Discover also shows the debt charged off in XX/XX/XXXX. 
Discover never replied to my request to validate this debt as mine, and not my son 's. I asked for a signature on a contract, and copies of the original debt, but I was never given these documents by Discover. 

This debt is now affecting my ability to obtain medical coverage and prevent me from getting the care I need for my XXXX XXXX. 

This debt is also indicated to be seven years old, and should have been removed from my report, by this time.

I am asking that Discover remove this debt from my record and stop showing that the account is still open and the balance each month is reported as open and collectable in my name. I want the status changed and removed immediately from my credit file. You can attempt to collect this debt from my son.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (TN)

I have used the Chase XXXX XXXX XXXX card for approximately three years. I pay an annual fee of {$95.00} for this card, specifically because it grants me free checked bags and priority boarding. I had a credit limit of {$10000.00}, with approximately {$5300.00} outstanding. I paid off the balance in full yesterday. Today I tried to book XXXX airline tickets ( approximately {$2500.00} ) using the card, and it was declined ( it had also recently been declined at a grocery store with plenty of availability - humiliating to say the least ). I called to find out the issue and was told they had reduced my credit limit this morning by {$10000.00} to {$500.00}. I pay an annual fee specifically to be able to purchase airline tickets on this card - you ca n't buy airline tickets with a {$500.00} credit limit! I do n't understand ( nor care ) what they *think* they saw in my credit profile that indicates I am either a higher risk or an unprofitable customer. They should have notified me before such a drastic decrease in my availability as I would have used the cash to buy my airline tickets instead of paying the account in full. I want my annual fee refunded for the inconvenience and embarrassment they have caused me.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I have a business account with the U S bank. I escorted XXXX XXXX to the U S bank to open up business account. XXXX XXXX is XXXX. We asked banker XXXX ( bank # XXXX ) for reasonable accommodations under the Americans with XXXX act to allow XXXX to be interviewed in a private cubicle in the same bank to prevent XXXX XXXX personal information from being overheard by the other customers at the counter. XXXX has trouble speaking in low or normal tone of voice due to birth defects. She is on XXXX. And wants to make her life better by starting her own business. XXXX escorted us to a desk approximately 2 feet away from the counter where other customers were opposed to the cubicle approximately 4 yards away from other customers. Plus there was a second cubicle farther away. Both unoccupied. I explained to the above banker that XXXX had the above XXXX and that was there to help her answer any questions that he would have of XXXX and she would authorized me to do so in front of him. XXXX refused. We left. I plan to return and would like help convincing the U S Bank to provide the requested accommodations under the XXXX. THE INCIDENT OCCURED ON OR ABOUT XX/XX/2021 just before noontime. 
I gave a verbal complaint to headquarters and cited XXXX rule of their own business on accommodations. I was informed that the incident or violation didn't qualify for formal investigation nor could the bank honor such an XXXX accommodation. I spoke to a * XXXX by phone on XX/XX/2021. He stated or read the bank notes on the complaint to me and it was whollfully insufficient.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery continues to collect on debts that were charged off XX/XX/XXXX it is 9 years later and they still continue by callilng from different phone numbers and states. They called last week and again on XXXX/XXXX/XXXX at XXXX.
Consumer complaint received 2022-09-27
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  Accounts # LATE PAYMENT - XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-12-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (TX)

Velocity investment LLC served me with papers to sue for an auto debt that was over 4 years ago ( in Texas ) Would only settle for {$4400.00} and the original was {$5200.00}.
Consumer complaint received 2021-12-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT DISPLAY INACCUARTE PAYMENT HISTORY, AND ARE REFLECTING AS DEROGATORY/DELINQUENT ACCOUNTS. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-12-11
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. (TX)

Company is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Item XXXX XXXX Credit Card services was deleted and company reinserted the item without notifying me within 5 business days after and certifying that the items were validated properly.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paypal Holdings, Inc (MO)

There is a pay pal credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I have the right to dispute incomplete or inaccurate information that is reporting on my consumer file. In the attached exhibits you can see the inaccurate and incomplete information that Experian has been reporting on my consumer report.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meyer & Njus, P.A. (MN)

On XX/XX/XXXX I contacted Meyer and Njus about my monthly payments of {$250.00} to put a stop payment on the month of XXXX. The Man I spoke with XXXX said they can do that and hold off until XXXX. The following week that payment was still taken out and my bank account overdrafted. After seeing this I contacted Meyer and Njus and they said they will reverse it but its been almost two weeks and still nothing came back.
Consumer complaint received 2021-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (NJ)

I was on a 6-month payment plan ( I was unemployed due to COVID ) with Prosper starting in XX/XX/XXXX for $ XXXX and utilized the autopay feature ; and assumed my last {$200.00} payment would be XX/XX/XXXX21. However, when I received a payment confirmation on XX/XX/XXXX21, it stated that the payment would be for {$740.00}. I immediately called Prosper on XXXX/XXXX/21 and stated I thought my payment would be for {$200.00} and my checking account would be overdrawn with the {$740.00} payment. The Customer Service Representative stated she would request a refund and stated my payment should be for {$200.00} for the XX/XX/XXXX payment, then revert to a higher payment. She told me to wait for a few days to receive an email and refund, which I did not receive. I called Prosper on XXXX and spoke with a Customer Service Representative named XXXX XXXX XXXX was very polite and understanding and helpful and told me over and over that my payment of {$740.00} would definitely be returned, especially since my checking account is over {$900.00} overdrawn. He promised me the payment would be returned in a few days and someone from Prosper would call me to work out the details. Again I heard nothing until XXXX when I received an email from Prosper stating they would not be returning my payment. Now my checking account is overdrawn by {$1000.00}!! I called on XXXX and asked to speak to a manager, who was nice and understanding but stated there was nothing they could do and that I was told misinformation from the previous representatives. The manager stated it was Prosper 's fault but could not return my payment or offer to pay the overdraft fees due to the misinformation. All he could do was turn off the auto pay feature on the account.
Consumer complaint received 2021-06-14
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (FL)

I believe in XXXX, I applied for a reverse mortgage on my home that I've lived in for nearly 45 years. My husband had passed and I wanted to make several repairs to the home. I became gravely ill and my daughter packed me up and relocated me to XXXX. While in XXXX, I spoke to representatives from NOVAD Consulting in XXXX about my illness and relocation and could not continue to live in the home. They stated I had to pay the property taxes and that was all the fees. My neighbors called to let me know that a sign was placed in the window, grass was high in the front and back, and a lock was on the front door. I had someone cut the grass immediately. I want to rent out the property but NOVAD sent an invoice stating the loan had been tabulating since I left the property in XXXX ( relocation ). I explained that the loan is no way near the property value for the homes in that neighborhood and couldn't afford the price which was 3 times the amount of the property value. They gave me an option to either purchase the home or use the deed in lieu ( DIL ) of foreclosure to HUD. A letter of intent was sent to NOVAD on XX/XX/XXXX and 25 days letter when asking if received, an email was returned no valid. What can I do now to rent out the property, save the family home, or have HUD payoff the loan and take title?