davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

I went online on XX/XX/XXXX to schedule a payment to come out of my checking account via XXXX on XX/XX/XXXX. I received a confirmation email this same day, stating that I had successfully scheduled my payment. ( Please see the attachment ). On XX/XX/XXXX, I received an email stating that my payment had been suspended due to the status of my account. I had not received any other communication ( phone call, text, letter ) about the payment being suspended. I called Ally on XX/XX/XXXX and spoke with a representative about the email that I received and was told that by the representative that I had not received an email from them. I had to explain that I had gotten an email from them. I was then offered to speak with someone on the online team. I asked if I would be able to speak with a supervisor, since I was not getting the answer that I needed. I was told that I could not but a supervisor would give me a call back by XXXX EST. I received a missed call and when I called back I was told that since I missed the call I would have to wait for another call from a supervisor and it would be by XXXX. I did not get that call. I called on XX/XX/XXXX, and spoke with a lady that stated her name was " XXXX XXXX XXXX. '' I asked to speak with a supervisor and was asked what was going on. I gave her the details and she placed me on hold supposedly getting a supervisor. She thought she had the phone muted and I heard her talking about me and when I responded, she immediately muted the phone and placed me on hold. When she came back on the line she said that her supervisor stated that just because you make a payment on an account does not mean that it immediately comes out of your checking account. This was not what I was calling in reference to. My issue was knowing why the payment was rejected by Ally not anything concerning my bank. I feel as if I have been given the run around and what was a simple question that I need the answers to, has still not been explainhed
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.
Consumer complaint received 2022-03-02
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. (MO)

XXXX of 2021, XXXX of 2021, and XX/XX/XXXX I sent certified letters to Experian, XXXX, and XXXX demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.
Consumer complaint received 2021-05-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7200.00}, {$3500.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$7200.00} -This is not my account. 


-- PERSONAL LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX  XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC (GA)

This debt is about XXXX years old ; XXXX XXXX has given the debt to another company, Brock and Scott. Brock and Scott took a payment from me, saying they could settle the debt. XXXX XXXX refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with XXXX XXXX, and they will provide nothing. Brock and Scott reached out about XXXX weeks ago, saying XXXX XXXX agreed to the settlement. I contacted XXXX XXXX, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. XXXX XXXX took money out of my bank account and honored some of the refunds I disputed. XXXX XXXX went on to close a credit card with a deposit of XXXX and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

After recently reviewing my credit profile I was then brought to my attention that I had a very many of hard inquiries which prompted me to look over those inquiries to which I found XXXX ( XXXX ) if which I believe should not be there. The most recent is : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX This particular card was offered me through a third party credit monitoring app of which it promises there would only be a 'soft pull ' and world not affect my credit. 

Also the following inquiries I have no knowledge of at all. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This particular account is even scheduled to be removed according to the Experian report ).
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (NC)

Commonwealth Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX  XXXX  Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit reporting. 

We contacted the Commonwealth Financial Services , XXXX ( " CFS '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, XXXX XXXX XXXX to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact CFS to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and CFS we have had no change in my credit report. We discussed the matter in detail with CFS ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (KY)

Account transition from Simple to BBVA was scheduled for Saturday, XX/XX/XXXX. When attempting to enroll via the XXXX app, the process failed and the security question stage. I attempted to complete the process via BBVA 's website and was told my account was locked. After repeated attempts to get in touch with someone I was able to talk to a customer service rep that told me she would be sending an email within 20 minutes with instructions for unlocking my account. That email never came. Today, Sunday XX/XX/XXXX, I have repeatedly tried calling in with no success. XXXX my calls are disconnected as soon as I select the option to get to an agent, or I am met with what appears to be a pre-recorded message stating that they are unable to hear me, they start listing a different number for me to call, and the call disconnects before they finish. The last time I called I was connected and heard nothing but laughter on the other end.
Consumer complaint received 2022-07-22
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: LAKEVIEW LOAN SERVICING, LLC (MS)

In accordance with the Fair Credit Reporting Act Lakeview ( subserviced by XXXX XXXX XXXX XXXX ) - Account # XXXX, has violated my rights. 
~ 15 USC 1681 Section 602 states I have the right to privacy.

~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed
Consumer complaint received 2020-12-15
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: Credit Plus Inc (TN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX. XXXX, XXXX, XX/XX/XXXXand on XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

On XX/XX/XXXX, without recipient or confirmation of legal procedure or notice of documentation to evict from apartment complex nor court document posted nor mailed from XXXX XXXX XXXX Sheriff department. This action lead to eviction/homeless only to later XX/XX/XXXX rec. photo copy of notice mail from XXXX Sheriff department however no letter from the collection agency listed on credit report. 


I.Q. DATA INTERNATIONAL, INC XXXX XXXX XXXX XXXXWAXXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (KY)

In XXXX of 2020 XXXX XXXX sold their bank to Specilized Loan Servicing. 
I had a HELOC with XXXX XXXX bank. 

I was given no notice or information concerning how to access my paid up line of credit. 

I contacted company multiple times with no response. 

I ultimately filed a complaint with CFPB. XXXX. 

I was told that the company would resolve problem. I was forced to pay {$46.00} to close account, which I did on XXXX XXXX. 

I received notice onXX/XX/XXXXthat loan was closed and that my mortgage was released. I have received no notification of release nor has county clerk. 

This has caused severe financial issues for us through absolutely no fault of our own, specialized services has made no effort to fix the problem that they caused. 

They are NOT a company that one should deal with.
Consumer complaint received 2022-03-02
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. (OH)

In XXXX of XXXX  I inquired about a payoff with XXXX XXXX for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC (SC)

On XX/XX/XXXX, my mortgage analyst discovered a judgment against me when he was completing title work for a new home I wanted to purchase. On the same date, I contacted XXXX XXXX  ( original creditor ) and they said the account was transferred to XXXX for collections and from there it was transferred to Brock & Scott. 

Since then I have contacted Brock & Scott at XXXX extension XXXX ( XXXX ) and extension XXXX ( XXXX ) several times and each resolution specialist informs me that my file is on hold and they are unable to discuss it with me until the hold is released. None of the resolution specialists have any definite answers as to when the hold will be released. They encourage me to keep calling the company back with hopes that the hold will be released soon. After the hold is released, the resolution specialists said I would receive a letter from Brock & Scott. They did not provide me with any details as to what the letter would contain. 
As of today, XX/XX/XXXXI have not received a letter from Brock & Scott. To resolve this issue, I would like Brock & Scott to provide me with verification of debt and the aforementioned letter.
Consumer complaint received 2017-09-25
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. (FL)

My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!
Consumer complaint received 2020-07-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC (TX)

Started a mortgage application with Total Mortgage on XX/XX/2020. At the beginning of the process I was treated as if my business wasn't welcomed by XXXX XXXX. Once I applied and sent in my documents there was no follow up and when I called to follow up it was met with push back and disengagement. Another time when I spoke with XXXX XXXX was told because I didn't do exactly what he asked me to do then he didn't feel like he could help me. I asked if XXXX XXXX could assist me since he was initially the first person that reached out to me when I first applied, and he said you can give him a call in which I did and left a message because XXXX did not answer. I followed up with XXXX about a week in a half later in which my first conversation with him I received total attitude and proceeded to talk down to me before I could even fully explain why I was calling. I am not sure why I was treated this why by this company. I simply was trying to obtain my first home and sough out their company for a potential mortgage loan. Before the end of the call on XX/XX/XXXX, XXXX advised he would be re pulling my credit at my request. Then on Monday XX/XX/XXXX I received an email from XXXX saying that there are multiple layered risks and they do not feel comfortable taking my file on given the current financial climate. 

I was never asked any questions about my file, I provided every single document along with proof and account sign ins, my id and social, and more ; during this process I paid off 3 items that were hurting my credit ( which XXXX appeared to be displeased with me doing ). I was denied further service based on opinion and not facts. I also believe race played a role in that has well. By law if I am denied a loan based on my credit, finances, or any other factors I should be told exactly why I was denied and I wasn't.
Consumer complaint received 2018-05-07
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. (IN)

I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 18 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00} I received notices back from all 3 bureaus XXXX, XXXX XXXX, and Experian stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On or about around XX/XX/2023 through XX/XX/XXXX of 2023 I had my federal tax return deposit into my newly open Chime account expecting to receive my funds. On XX/XX/XXXX of 2023 at XXXX XXXX was in an accident on interstate XXXX XXXX Alabama I was rushed to XXXX XXXX and due to injuries when I was discharged on or around XX/XX/2023. I went to log into my Chime account on my laptop to see that my funds were deposited into my account, but there was 98 unauthorized transactions. I reached out to Chime to dispute the transactions. They denied my claim, claiming no ever found. I did a rebottle dispute still to come to the same conclusions I sent over hospital discharge report a police report and a signed statement from an officer, stating that I did not authorize transactions and I was hospitalized at the time with this being said, I was supposed to receive a provisional credit on XX/XX/XXXX of 2023 only to be told again no error found. I am on my third we rebuttal with this company with no relief in sight. Something needs to be done I did not, have my ID nor my wallet or phone which was reported stolen in the police report and hospital discharge report it also states I was brought in, with none of the above, so for this company to keep stating that they see no error is beyond me only thing I would like is my money to be placed back into my account