davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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: Neon Newco Corporation (NJ)

I was charged excessively for the same reason after XXXX lock when I received my new card there was only {$8.00} someone is using my personal information and XXXX. On the dark web my social security number. Someone is collecting information XXXX XXXX  sending me new with no reimbursement netspend is Ive made a purchase to XXXX that when it all begin XXXX has my account and secure something XX/XX/2022 XXXX
Consumer complaint received 2019-10-10
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. (CA)

I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XX/XX/XXXXXXXX 3.XX/XX/2019 XXXX XX/XX/XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2XX/XX/2019 XXXX XXXX XXXX Experian 1.XX/XX/2019 XXXX XX/XX/XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3.  XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX XXXX
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (PR)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by moe than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the account below!
Consumer complaint received 2022-03-12
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. (TN)

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Consumer complaint received 2018-12-22
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. (NJ)

I have submitted a complaint to Experian with regards to an accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Experian with regards to this account. Please remove the following account from my credit file : XXXX XXXX XXXX XXXX - Opened XX/XX/2011 XX/XX/2011
Consumer complaint received 2018-07-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NV)

I have three ( 3 ) PLUS loans with a standard repayment term of ten ( 10 ) years. They were issued by the Dept. of Education in. The loans were later transferred to SallieMae in the year XXXX under the terms of the original promissory note. I then received a letter in XXXX from SallieMae and Navient stating they were now servicing the loan on behalf of the Dept. of Education. The letter stated there will be no changes to the terms, conditions and benefits of the existing loans.

I moved around a couple of times, retired, and I called Navient to discuss how I could repay my loans and get back on good repayment terms. The customer service representative ( csr ) recommended a forbearance or deferment period of one year. I agreed and understood my payments would resume as originally agreed upon. When I called back in a year, I was given more information about the forbearances and I eventually agreed to defer payments for a total of two ( 2 ) more forbearance years. 

I was informed that my payment of {$200.00} for 240 months would stay the same. I was also informed of income related plans but when I applied for them, I was denied. The csr then informed me that if I consolidated my loans, I would then be eligible for an income contingency repayment plan. I took the advice, consolidated my loans, applied, didn't qualify, and was denied again. I am now no longer eligible for forbearances and my repayment resumed in XXXX. 

Right before repayment, I received notice stating my payment amount had increased When I further delved into my repayment terms, I realized my payments had not only increased but an additional ten ( 10 ) years were added. 

My original loan in the amount of {$24000.00} for 240 months ( $ XXXX/monthly pymt ) has been updated to a pymt of $ XXXX/mo for 20 years ( XX/XX/XXXX ) for a total payoff of {$60000.00}!! When I called to voice a complaint, I was informed : " The 10 year Standard Level plan was the original repayment plan for your individual loans. When you Consolidate the Department of Education resets the Standard Level repayment terms based on the total balance of the loans being consolidated from anywhere between 12 and 35 years. The monthly payment is higher now because you have used 36 months of Voluntary Forbearance time. If you would like to pay your loan in 120 years, you can request that we increase your monthly payment to {$360.00} to pay the loan in full ''. 

I will be in my XXXX 's by the end of those repayment terms and would have paid double the amount owed. I was never informed of these changes when I talked to the csr. I would never have agreed to a forbearance or consolidation of my loans had I been told my loan terms would change to such a marked degree. I feel I was falsely coerced into these changes and also feel preyed upon as a trusting consumer. The phone conversations I had with Navient misled me into believing my payments and terms were still the same.
Consumer complaint received 2022-04-08
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. (LA)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
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. (FL)

XXXX Transunion and XXXX was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1.XXXX XXXX XXXX  2.XXXX  XXXX 3.XXXX XXXX 3.XXXX  XXXX  XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX SERVICES DENIED ME THE RIGHT OF AN INVESTIGATION OF THE ALLEGED INFORMATION THEY ARE FURNISHING TO THE CREDIT BUREAU.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

filed my first complaint with cfpb on XX/XX/XXXX, complaint XXXX basically addressing the same issues. My contract with Cross Country Mortgage LLC., reads no escrow for hazard insurance and prop taxes, and I have paid my ins through XX/XX/XXXX. I received a written notice on XXXX from Cross Country Mortgage LLC escrow ins in the amt of {$470.00} eliminating my escrow for hazard ins. My original statements show absolutely no escrow for hazard ins. In spite of this, when I do get a statement, it still shows the escrow and the amount. Obviously, my concern is that it's creating a short fall in my mortgage payments each month. Cross Country Morgage has continually failed to apply accurately my monthly payments and providing me with my mortgage statements and XXXX yearend Federal form XXXX for interest paid for XXXX. I have made many attempts to contact Cross Country Mortgage LLC both by telephone, email, and letters to resolve these issues. It is my understanding that Cross Country Mortgage has a 3rd party arrangement with another company handling their business.
Consumer complaint received 2022-03-12
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. (TX)

This is a formal complaint against XXXX XXXX XXXX XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Bank of America cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Bank of America reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Bank of America, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Bank of America.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Bank of America.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Bank of American to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (OR)

I had a collections account appear on my credit report that I had no knowledge of. When I contacted Wakefield and Associates on XX/XX/XXXX, I was told they could not send me an itemized bill for the original account unless I submitted the request in writing. They could only tell me the name of the original account holder. They could not tell me what the bill was for. I had already verified my personal information. They also told me that they had spoken with me prior and had sent me multiple bills in the mail. I did not receive any of them nor did I speak with anyone on the phone. On XX/XX/XXXX, I contacted the original debt holder ( XXXX XXXX ) in an attempt to verify the validity of the debt. They also could not tell me what the services rendered were. They told me they were the billing office for the doctors at the local hospital. They also said they mailed me bills and attempted to call me. I did not receive either. I then contacted Wakefield & Assoc. again, only to be told that if I chose to settle, they would not negotiate the terms. 30 % discount and then they would put in a request to have my account deleted, but only if I paid by card which had a processing fee of {$6.00}. I requested another bill, and that was when they told me that the settlement offer expired on XX/XX/XXXX and the mail might not get there by then. They said I had to have my payment to their office by XX/XX/XXXX in order to qualify for the discount and to have the request for deletion be sent to the credit reporting agencies.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Wednesday the XXXX of XXXX I deposited a XXXX dollar cashier check from my tax refund at bank of America. I was told my money would have a hold but I would have XXXX available on the XXXX of XXXX and the rest on the XXXX. On the XXXX I check my account and the money has a longer hold now until the XXXX af XXXX with nothing available before then. I called the bank on the XXXX of XXXX spoke to a customer service and they said the hold was correct and unfortunately even though I was told different there was nothing to be done. They also informed me the hold could be move further up and they can hold my fund for longer than the XXXX of XXXX.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting an account on my credit file that I have paid. I have settled this debt with Bonneville and am asking that they please remove the account from my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that as the original furnisher you have the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt and am asking for a deletion letter. Please provide a letter that states this account should be removed from my credit file. If I don't receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reached out to Captial One concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and capital one has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Bank is charging me for pending transactions. As of Tuesday ( XX/XX/19 ) morning, I started the day with {$4.00}??. After using the card throughout the day I needed to deposit {$32.00}??. I deposited {$20.00} before XXXX and then at approximately XXXX I deposited {$13.00}. Now, Wednesday XXXX XX/XX/19 XXXX, my account is overdrawn by {$71.00}?? because of {$72.00} in Overdraft Fees for all of Tuesdays pending transactions. I have contacted them regarding this and they refuse to refund the {$72.00}. I spoke with three people, including a supervisor. I was told that Regions charges for pending transactions. How can a bank charge for pending transactions. A person can not even dispute a pending transaction until it finalizes. What if the merchant were to credit the consumer? Regions is stealing money!!! I have all of my text alerts, printouts and ATM receipts to prove everything regarding the account activity. This is going to cause more overdraft fees when the transactions actually finalize.
Consumer complaint received 2023-06-21
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. (MD)

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, EQUIFAX AND XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$400.00} / XX/XX/XXXX XXXX XXXX / {$2600.00} / XX/XX/XXXX XXXX XXXX / {$450.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-03-12
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. (TX)

I ask all three credit bureaus TransunionXXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXXs 1. XXXX XXXX 2. XXXX 3. XXXX  4XXXX XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the threXXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.