davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

I had a fraudulent charge made on my Barclay 's card in XXXX of 2021 in the amount of {$8.00}. As I rarely use this card, I didn't notice until XXXX of 2021 in which I contacted Barclays to notify them of this issue. They closed the account and issued me a new card, and said they would open an investigation in to this. This investigation lasted 3 weeks ending in late XXXX, but I am still showing a balance on my account because of this fraudulent transaction and I have accrued several late payment fees because of it which has negatively impacted my credit score causing it to decrease significantly. I have contacted Barclays several times about this, most recently today, and have been told each time that they will open an investigation to resolve this but it has been several months since this fraudulent charge was made on my card with no resolution.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (TX)

On XX/XX/XXXX, I certified mailed a letter to the company requesting the validation of the debt they listed on my credit report. My records show that the company received the letter on XX/XX/XXXX. On XX/XX/XXXX, I had still not received a response from the company, so I mailed an additional letter to the company requesting validation of this same debt. As of today ( XX/XX/XXXX ), I have still not received a response from the company. I have requested validation of this debt through the credit bureaus as well on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
It has taken multiple attempts to get just one answer from the company. This act of failing to respond, I believe, may have violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for continuous reporting of disputed debt, failing to validate a debt, and continuous communication to a consumer after a debt has been disputed and not validated. This company 's actions are willful and negligent regarding its reporting of this account.
Consumer complaint received 2022-08-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. AMEX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. XXXX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as AMEX. The account is in good standing. XXXX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both AMEX & XXXX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

Dear Ladies and Gentlemen, This memo is being written in hopes the Hard Inquires in questioned on our credit reports will be removed as soon as possible. In XXXX of 2021, myself and my Registered Domestic Partner applied for a loan from Navy Federal Credit Union. We are both members and felt this entity would give us the best rates. We paid for a credit report and found out later ( about a month ), the credit report was done twice XXXX XXXX and XXXX XXXX. The loan agent that we were dealing with via email never responded to our questions regarding the second hard inquiry placed on our credit report, nor were we getting any responses from the loan officer regarding the status of the loan. In late XXXX of 2021, we went to a nearby branch and complained that we had not heard from the loan officer and had concerns regarding the hard inquires placed on our credit reports. The Manager at the XXXX XXXX branch informed us that Navy Federal Credit Union no longer had Mortgage lenders inside of the branches, and she would take our complaints to the loan officer 's Supervisor, and someone would contact us as soon as possible. It was two weeks before we received a call from ( XXXX XXXX ) Supervisor ( XXXX XXXX ). XXXX XXXX apologized and stated they were super busy, and that the second inquiry was a mistake and she would have the entry masked. " The entry has not been masked ''. 
Although, they both started requiring more information from us, we never spoke with either one of them over the phone, all of our correspondences were via email only. The first extra entry dated XXXX XXXX remained and I started calling and emailing with no response until I contacted XXXX and started disputing the entries. There are now four extra entries dated XXXX XXXX, XXXX XXXX, and XXXX XXXX. We only authorized the XXXX XXXX inquiry. The others were done without authorization, and they never explained why they were doing these extra inquires without explanation or approval. Once, I started calling XXXX and disputing the hard inquires the Manager ( XXXX XXXX ) started emailing me and denying that the inquiries were made by her or the loan officer. When disputed through XXXX the company simply stated the inquiries are a factual record of file access and will remain on the XXXX credit file for two years from the reported date of inquiry. Please help us to resolve this matter. They were not given authorization to make more than one inquiry into our credit profiles. Thank you so much for your time and patience. 

XXXX & XXXX.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (NJ)

From 2005 forward I incurred student loan through XXXX University. When you are recruited you are told of all the jobs and career options you will have once you obtain your degree. I have yet to secure a job utilizing my degree and have incurred an abundance of student loans. I have been able to get a forbearance but that doesn't help because the balance is still there and my interest is still growing.
Consumer complaint received 2018-07-23
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. (NV)

I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX. XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.
Consumer complaint received 2020-07-28
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: Nelnet, Inc. (MA)

I can't believe what I saw on my credit report.. It says late 180 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-02-17
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: JPMORGAN CHASE & CO. (CA)

I tried creating a dispute about an extra charge at a hotel for a service that I had already paid for and the dispute representative for Chase refused to open a dispute because she said it would costs Chase money to open that dispute and they would prefer to just not open it on their end and rather claim there is no dispute. 

The process of dispute resolutions at Chase is a joke and nothing like the process at XXXX or XXXX or any other bank which at least makes a good faith effort to resolve the issue. The process has been outsourced to the XXXX with a mandate to create as few disputes as possible.
Consumer complaint received 2019-03-21
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. (GA)

We sold our house in XX/XX/XXXX, on the day that we closed I called to cancel our services at XXXX XXXX XXXX and was told there was a {$0.00} balance. In XX/XX/XXXX I received a notice saying they were sending us to collections for a bill of {$310.00}. After receiving this notice I called to pay our balance that I was unaware of before receiving the collections notice. I was told after giving my account number that there was no balance due. After being notified that there was in fact a balance due and it was sent to collections and had affected my credit score poorly I called again and paid the balance in full on XX/XX/XXXX. I am supposed to close on my house on the XX/XX/XXXX and they just now sent me to collections. This is affecting us being able to close on a house. We want this removed off of our credit report as soon as possible so we are able to move like we planned.
Consumer complaint received 2018-05-03
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: STATE FARM BANK, FSB (IL)

XXXX St Farm Bank XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX mortgage shopping and I dont have an account with them. I do not recognize this XXXX   unauthorized Factual data-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
Consumer complaint received 2019-10-18
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. (GA)

XXXX XXXX  ACCOUNT XXXX IS REPORTING THREE TIMES ON EXPERIAN, TWICE AS IN GOOD STANDING AND ONCE AS A CHARGE OFF {$4000.00}, THIS IS ONLY REPORTING ON EXPERIAN THIS WAY INCORRECTLY NONE OF THE OTHER BUREAUS I NEED THE CHARGE OFF DELETED SINCE THIS IS BEING REPORTED INCORRECT THIS IS AFFECTING MY SCORE AND NEEDS TO BE CORRECTED IMMEDIATELY!!!
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (MS)

I go to an ATM to get some cash mid-vacation and my transaction gets cancelled ( not by me ) so I try a purchase at XXXX with cash back, it gets denied. I call eppicard and they say I have to talk to level 2 service person to authorize out of state use, I talk to them, they say they're putting the authorization through, could take 24 hours, I go get gas before the 24 hours is up, transaction goes through fine, after 24 hours, I go to XXXX to make a purchase and try to get cash back, get denied ... try without cash back, goes thru fine, buy food, get gas, pay for hotel rooms, all fine, try to get money out of the atm, denied, try to make a purchase with cash back at XXXX, get denied, after 48 hours, I try to make a $ XXXX purchase at XXXX get denied, try to make a < {$100.00} purchase, get denied, try to make {$5.00} ish purchase, get denied, now getting denied every purchase attempt everywhere.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1100.00} ( shown as {$1100.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement DO NOT constitute my ownership of the account
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IL)

XXXX  is refusing to refund escrow funds for loan # XXXX This was paid off in XXXX They said they transferred the loan to XXXX XXXX on XX/XX/XXXX but XXXX XXXX has no record of the loan, which makes sense because the balance was zero to begin with. 

I need {$5600.00} refunded in escrow which XXXX  is withholding or misplaced XXXX XXXX is not in possession of my escrow funds either. I was also given a bogus loan number of XXXX XXXX XXXX has no record of.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 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 stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-26
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. (TN)

XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX  '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX CT, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States XXXX ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-28
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. (MO)

Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against XXXX that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}