davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank   the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured as a valued customer of XXXX XXXX, our commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX
Consumer complaint received 2019-04-17
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: Experian Information Solutions Inc. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and XXXX  and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2018-09-10
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. (TX)

I have tried disputing with experian there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company XXXX XXXX and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2022, I went into Chase Bank at XXXX XXXX XXXX, XXXX, MD. I did a wire transfer for {$25000.00} USD, the Chase representative gave me all of the confirmation that they had everything they needed. The recipients Bank, XXXX XXXX XXXXXXXX, had rejected the wire, and sent the funds back to chase bank. Chase Bank lied to me saying XXXX  XXXX XXXX is holding the money, when really Chase Bank was holding the money. Now Chase has a {$25000.00} hold on my checking account, and won't return my money and are requesting additional information, in which they do not need, and never needed in the first place. I need the hold to drop off my account, and for Chase Bank to return the money back to my account. Chase Bank has been giving me the run around since XX/XX/XXXX, and won't return the money to my account.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I have called several times get nothing but recordings ... when i did reach a rep it no greeting and all she said a bit rude was " can I help you '' uh ok ... the whole issue was THEY PAID A HUGE AMOUNT of escrow flood insurance to the wrong provider ( I had terminated the policy ) and had called days before to the insurance dept ( they pick up usually ) and told them the new policy number and I would call them to activate it ( I had 45 days ) so they paid on the XXXX a policy that expired on the XXXX? they did call the company and bring me in for conferance ( 1 point ) the insurance company knew nothing about the payment being sent to them and thought the same " I had cancelled '' loancare has promised to " stop payment '' if not Im contacting a lawyer ... XXXX for a policy I can get for XXXX? nope .... I too was aquired when " XXXX   '' went belly up ... not happy! 
LAST COMMENT THEY DON'T DO EMAIL AT ALL!!
Consumer complaint received 2019-04-18
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. (TX)

CFPB Case # XXXX against XXXX XXXX/ XXXX : XXXX XXXX acknowledged their inaccurate reporting of a 30 day delinquency and sent CFPB and myself letter acknowledging the inaccuracy to be removed ; Experian initially removed this error however it has now reappeared ; I have disputed this error with Experian , called Experian, and Sent the CFPB Letter to Experian via Certified Mail yet the inaccuracy continues to appear - Please help me resolve this inaccuracy I have worked tirelessly to keep all credit tradelines current and to make sure Experian and XXXX XXXX Are reporting accurate information thank you.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (GA)

I have contacted XXXX & XXXX several times provided all of my information and was told that I was not in their system, however, the keep reporting on my credit, I have requested sign documents if they have an account and have not received any documents from this company. You are reporting on my credit incorrectly, You have been informed of this several times by me.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (FL)

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries
Consumer complaint received 2019-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I never authorized a credit inquiry by XXXX XXXX on XX/XX/2017 but my TransUnion report says I did. I called XXXX XXXX to dispute the inquiry and have it deleted and they said they have no idea of any such inquiry as it does not show on their records. I then called back TransUnion to have it deleted but to no avail.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Ok so I went through a really harsh divorce which almost left me to file for bankruptcy, my ex wife just picked up left used my credit maxed it out, I was still having to pay all the bills from the residence she took off from plus a brand new car note also, so we went through litigation she still ended up getting a very good amount of equity even though she never helped with the bills ive Helped her get her degree from XXXX, fixed her credit score and put her on my savings account from money that was inherited to me so in the end judge call everything community property even though she never earned that money she still maxed out my credit so she got away with clean XXXX I got XXXX but I had to repaid all my collectors which I did and I dont know why they just cant delete my accounts I feel like theyre my ex wife just please deleted they know they got paid!! Why are they playing stupid like they didnt I just want my credit back to a normal at least XXXX so I can move on with my life and Im talking about all of the creditors they got their money I got letters from them saying is payed off why are the credit houses being such A holes for I just want to move on with my life thats all
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WA)

I received a letter from NCB Management Services Inc. I do not owe this company any money and I have told them several times not to contact me any more. However, every so often they send collection letters to my house. 
They are not legally allowed to do business in my state. 
XXXX XXXX XXXX
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (GA)

Medicredit, a collection agency, keeps placing supposed debts on my credit bureau without contacting me regarding the debts prior to adding them to my credit file. The items in question have been paid by insurance but are still being posted on my credit file. I have dis [ uted all items and some have been removed while some have not. This is constantly lowering my credit score. This company has even went so far as to put the same account for collections in twice.
Consumer complaint received 2023-07-06
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. (LA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}
Consumer complaint received 2023-10-31
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

ChexSYSTEMS a company FINANCIAL INSTITUTIONS UTILIZE TO MAKE FINANCIAL DECISIONS PERTAINING TO A CONSUMERS ELIGIBILITY AND THEIR ABILITY TO OPEN AN ACCOUNT, TO CASH A COMPANY ISSUED CHECK. OR TO OBTAIN ANY FINANCIAL ASSISTANCE OF ANY KIND. 

CHEXSYSTEM ISSUED ME A SCORE OF XXXX. 

THAT'S NOT HIGH ENOUGH SCORE FOR ELIGIBILITY ..... ANYWHERE XXXX IS THE NUMBER THAT ELIGIBILITY CRITERIA STARTS AT. 

CHEXSYSTEM HAS NO METHOD OF COMMUNICATION LISTED ON THEIR WEBSITE BESIDES MAILING A LETTER TO THEM. THEY PRICES THE ADDRESS CHEX SYSTEM HAS AN ONLINE DISPUTE FORM. 
BUT ONCE THE DISPUTE IS SUBMITTED. THERE IS NO AVAILABLE METHOD OF CONTACT. THE EMAIL CONFORMATION IS A EMAIL BOX THAT IS NOT MONITORED. AND STRINGING XXXX does not connect and neither does XXXX I can not obtain a bank account I can not cash a check written it to me from a company ANYWHERE And I am refused because off my CHEX SYSTEM ABOUT OF XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

tried send money from my m and t bank with XXXX to XXXX XXXX to my account ... I guess for some reason it flaged a security thing because my m and t online banking login is blocked now I called XXXX XXXX and they are working unlock so just this is For m and t to tell the bank It was me who did the XXXX Im confirming, please unlock my online banking thanks XXXX XXXX
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MI)

XX/XX/2023 : My PSLF application was marked as received by MOHELA XX/XX/2023 : I received a letter from MOHELA indicating that my application had been processed and my PSLF Qualifying Payments count was now XXXX XX/XX/2023 : I contacted both MOHELA and the Department of Education to ask for an application status update and ask if there was anything I could do to move things forward. Both responded and indicated that the other organization was the one that needs to take action next ( see attachments ) XX/XX/2023 : I filed a complaint with the Department of Education through the FederalStudentAid website ( case # XXXX ) due to the length of time it had been since submitting my application. 

XX/XX/2023 : I received an interim response to the complaint from Federal Student Aid stating that they were researching my concerns and would " follow up with more information within the next XXXX calendar days. '' I haven't received additional communication from them since ( as of XX/XX/2023 ).
Consumer complaint received 2019-04-18
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: EQUIFAX, INC. (CA)

Collection acct originated w XXXX/XXXX. Same transferred to XXXX XXXX XXXX XXXX. Debt fully satisfied on XX/XX/XXXX Confirm # XXXX XXXX see attached ) Told a confirmation LTR to be sent to consumer & Equifax notified to delete collection 's acct. No action to date. Called XXXX on XX/XX/XXXX, & again told LTR to be sent & report updated. Tried dispute via XXXX XXXX, but not sure on qtn and system not able to verify ID for submitting a dispute request. Then attempted to do dispute by phone. Spoke w/ XXXX but due to previous, was not able to assist. Consumer inquired about approximate turnaround time from payment to credit report update. Never given an answer. Asked numerous times to speak w/ a supervisor and waited for about 15 minutes until supervisor, " XXXX '' spoke w/ me but no resolution to submit a dispute. Tried calling D.R.S. at ( XXXX ) XXXX and was sent to a voicemail for XXXX XXXX. I left a detailed ( confirmation #, call bk # etc ) msg to request removal of debt from the report and again requested confirmation LTR as promised. Today, I called to XXXX XXXX to again request same & left msg. To date no response. Please assist me in my attempt to update my credit report and delete the collection acct as promised as the debt was fully satisfied.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I recieved the enclosed bill asked for verification/authorization to bill my insurance company To date I have recieved the requested information.The medical provider XXXX XXXX attempted to bill XXXX my insurance company for a service I did not authorize
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

My late son had me co-sign for his student loan a few years ago. He died in an accident XXXX XXXX in XXXX New York. I informed Navient and made some payments. Late 2018 Navient informed me that they would satisfy the loan with a one time payment of about XXXX dollars. I mailed them the check and about a month later they returned the money noting an overpayment. However my credit report shows a student loan balance of XXXX XXXX dollars. I notified Navient and the three credit reporting agencies and provided a copy of my sons death certificate. The reporting agencies show an active account when in fact the loan should be paid off and closed out. This negative information is affecting my overall credit scores.