davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) operated by LexisNexis is reporting incorrect information concerning my driving history. XXXX provided the XXXX Report reference number XXXX. 

XXXX is incorrectly reporting me as having been in two accidents in XXXX. I haven't been in any accidents in at least 20 years. This incorrect information is costing me approximately $ XXXX in insurance rates. 

I attempted to contact XXXX/LexisNexis at the telephone number provided by the insurance company and their web portal, and finally through another number. 

The web portal and automated voice number provide no option for disputing an incorrect report. The web portal only permits you to request a USPS letter that will allow you to THEN request a copy of your information. There is no option to initiate a dispute. 

I finally spoke to a representative using another number on XX/XX/XXXX. After taking my personal information she explained that she was unable to access my information or to initiate a dispute for me. My information is stored with a special group that she was not permitted to tell me the name of. She could not provide any contact information for the group or information as to why my information was not available. 

I have also sent email to XXXX/LexisNexis, but have not received even an automated response. While this has not been going on for a long time, I do not see any reason to think that the company even has a dispute resolution process that could result in my information being corrected.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (PA)

Fraudulent accounts and inquiries Appearing on credit report. 



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
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

On or about XX/XX/2022, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with NCB Management Services is being reported as a collection account, and this is hurting my credit score. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. I have requested the amount of the alleged debt, the full name and mailing address of the original creditor for this alleged debt, documentation showing that the company is licensed to collect debts in Texas. THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit went from a XXXX to absolutely no credit for no reason in XXXX and XXXX And really screwed thing up for me getting any type of financial help. I have since git it back up to a XXXX but I want to know why all of a sudden my whole credit score was erased
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Consumer complaint received 2024-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp (MN)

I contacted the Minnesota Attorney Generals office regarding my private student loans. The issued loans are deemed unlawful and meets the criteria of The Holder Rule as it pertains to the network of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 

Attached are the statute details supporting the loans that are in violation from XXXX XXXX from the defective good ( s ) and services that were provided by the XXXX  XXXX XXXX XXXX, the loan has also been deemed to violate excessive usury as evident in the XXXX XXXX XXXX XXXX interest rates youve been collecting on. 

I requested both a discharge application as well as a full refund for past payments on both principal and interest, as they continue attempting to collect on a fraudulent private loan. 

That request has now been formally submitted ( XX/XX/24 ), ( XX/XX/24 ) regarding the loan/s.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/22, I went to the Truist branch at XXXX XXXX XXXX in XXXX, FL. My new Truist dbc would not accept in the atm for me to make a cash deposit. The only option I had was to make a cash deposit via their night drop services. I placed {$84.00} cash in an envelope, which consisted of {$83.00} in paper bills and {$1.00} in coins. I wrote the amount on the front of the envelope with my account information and made the drop. On XX/XX/22, I noticed my account was only credited {$79.00} and there was {$5.00} missing. I attempted to engaged Truist via multiple channels ; via XXXX XXXX, via online chat through my online profile, called the customer service number of XXXX and even called their Fraud Dept at XXXX multiple times. 

I am told via XXXX XXXX someone will back me back and that did not happen. 
I am told via chat at XXXX someone will be right with me ; however, it is now XXXX and no response. 
I am told by Customer Service, after a 1 hour hold time in queue, to go to the branch, which I can not as I tested positive for COVID on Monday morning and self-quaranting so referred to Fraud to file a claim. 
I called Fraud Dept. multiple times and after 45 - 60 minutes hold, the call drops to another queue only to be told to call back. 

I would just like the {$5.00} credited to my account for the correct amount I made and with an effective date of XX/XX/22 to eliminate any return or insufficient charges I might accrue on the account.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-02-12
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: JPMORGAN CHASE & CO. (SC)

I was contacted by a fake DEA agent who told that my ID was stolen and I was being prosecuted for drug trafficking and money laundering and the only way to protect my money was by removing it from the credit card and purchasing XXXX gift cards so I could receive a money voucher after they have frozen my funds and changed my social security number. They made me stay on the phone the whole 4 hours because they told me if I hung up the court recordings would be irrelevant and I would be prosecuted. I lost XXXX $ by purchasing 24 cards for XXXX $ a piece. I called the DEA number after I got off the phone and was informed it was a scam. Quickly I cancelled my credit card but the gift cards were already used. I have filed reports with the DEA and the FBI along with XXXX and the local XXXX police department. My bank says once the payments go thru they will not dispute the charges. I need help!
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have been scammed by a person called XXXX XXXX by giving false details of apartment in California state. An amount of XXXX $ and XXXX $ on XX/XX/2021 and XX/XX/2021 respectively, was transferred for apartment lease and security deposit. The lease document was signed and the rental receipt was not issued. I have contacted Chase bank to help me, they haven't been able to help me much on this. I have raised request in different platforms for help. I haven't received any. The money was my family 's savings. I really hope those people give me my money back. I have the emails that were sent from the scammer. Their XXXX account seems to be open. he had contacted me on XXXX XXXX XXXX while I was looking for apartments to move into in California state.
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (FL)

I had been trying to apply for Mortgage assistance or loan modification since XXXX I have apply more then 11 time with 6 different income because I had to bring my income up I Have to change job many times in order to re-apply for loan modification becouse lender had advise me to get more income in order to qualify but all my application had been decline for reason not real and clear disclosure by lender XXXX XXXX. Lender also Requesting borrowers to paid 50 % of negative escrow or Escrow Shortages balance at front in order to qualify for Loan modification!! That it mayor violation of ( Regulation X ) ( RESPA ) I feel that lender had number of violation and had number of violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) and also number of complaint of Fair Housing Act Title VIII of the Civil Rights Act of 1968 ( Fair Housing Act ), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status ( including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18 ), and handicap ( disability ).
Consumer complaint received 2018-04-17
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. (GA)

I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (VA)

My mother, aunt, and husband received calls attempting to get in touch with me over an emergency business matter. My aunt was told by the caller that I gave her as a reference which I have never done. When I called the number and extension back, XXXX xXXXX four times, I only got a busy signal so I am unable to discern what the issue is in reference to.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

Im highly dissatisfied with the experience I am getting with Equifax and XXXX. On XX/XX/2020 I notified Equifax that it was multiple errors with XXXX. They responded saying the information was correct and verified with XXXX. So, I tried to contact Medicredit and I had no response, so I began to ask Equifax what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with XXXX. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted XXXX. Equifax did not want to investigate the matter again until I let them know I was contacting XXXX, with no successful response. They then responded with it has been verified. Once again XXXX has not responded and has violated the law, how is it Equifax is verifying information? 

Please also find attached to this letters sent to Equifax along with XXXX.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent in prior disputes with XXXX, XXXX, and Equifax. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and CXXXX XXXX, XXXX, and Equifax have no reason to assume the request has not been from me considering all the information required to validate and initiate a request was included. I expect XXXX, XXXX, and Equifax to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2022-11-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I paid off my mortgage on XX/XX/2020. Dovenmuehle issued an escrow check to me for an overpayment of {$2800.00}. I never received the check. I have called repeatedly asking for them to reissue my check and they have taken no action. I have called a dozen times seeking to get a resolution and no one is available to help. It's been a miserable experience. I need someone to help me. This is totally unfair. They have my money and I can't seem to get them to send it to me despite calling every day.
Consumer complaint received 2024-03-28
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC. (FL)

I am former XXXX XXXX XXXX XXXX XXXX most of my loans tied to XXXX I discovered there was private loan, without my knowledge and consent. The loan is managed through Navient ( XXXX XXXX ), as I stated previously I was unaware that I had any private loans. I requesting the loan be closed based on fraudlent pretense.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WESTERN UNION COMPANY, THE (IN)

Ok, this goes back to 2018. 

In 2018 I was in the XXXX. When I was released I received a new Western Union card in the mail. I called to ask why and was informed someone in XXXX cash a check on my old card. I have never been to XXXX I'm dirt poor. Then 3 weeks later I received another card in the mail as Western Union noted, someone in XXXX cashed a {$28000.00} check on my card. Noone has access to my card. I suspected it was an inside job with employee at Western Union. 

SSDI EVEN GARNISHED MY MONTHLY CHECK for 8 months. Never received refund. Then bank that handles check cashing decided I could no longer cash check. They noted the {$28000.00} check and I had no right to see internal process despite them knowing was. It at fault. One representative even apologize to me but still the decision was somehow ( while XXXX, ) was my fault. What could I do ; I was denied and not told anything because of their internal processes were confidential. 

Fast forward to today. XXXX XXXX bought Western Union. The risk assessment team cancelled my acct told me to never apply there again. Without reason because the risk assessment team from XXXX XXXX  could not be reach. The l my problem is my. Fiance tried to transfer monies from his Account to mine I guess XXXX XXXX  reviewed an old issue Western Union had settled. Get this I am still owed money by Western Union they deposited it some account I can't access. 

Checks I had to deal with no explanation. Not a problem till I tried to cash 2 small checks I can't cash. Western Union still leaves me money but I can't cash checks please help. Honest not my fault
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

I received a letter in the mail from Wells Fargo that stated that they were closing my credit card ending in XXXX. I received this letter on XX/XX/2022. The letter was dated XX/XX/2022. My credit card was at a {$0.00} dollar balance. I had paid it off recently after holding a balance on the card for a bit. This company has made tons of money off of me in interest and decided to close my card due to non-specific reasons on my credit report. I have cards through XXXXXXXX XXXX XXXX XXXX and XXXX XXXX who did nothing of this sort to me. I am currently looking to apply for a mortgage and this will definitely hurt me in the short term and potentially long term as this was my oldest line of credit.
Consumer complaint received 2022-03-01
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)

I recently reviewed my credit report for correctness. I found an unidentifiable account from XXXX XXXX  XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( Equifax, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2018-05-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

I APPLIED FOR A LOAN FOR XXXX AND WAS APPROVED. I SENT EVERY PAPERWORK THEY ASKED FOR AND THEY SENT ME A APPROVAL LETTER. THEY THEN TOLD ME TO USE THEIR REALTOS AND BEGIN LOOKING FOR CONDOS. THEY KNEW THAT IT WOULD NOT BE RIGHT AWAY THAT I WOULD FIND ONE. THIS IS THE MESSAGE I RECENTLY GOT IN THE EMAIL. 
THIS IS THE MESSAGE I RECEIVED AFTER 10 DAYS THEY  COULD NOT LOCATE A VA APPROVED CONDO FOR ME AND THEY REQUIRED THAT I USE THEIR REALTORS. 




" XXXX XXXX, We wanted to send you a note to let you know that your loan file has been closed because it was withdrawn, denied or marked incomplete due to inactivity. 
A letter outlining the full details of your loan closure should arrive in the next 10 days. If you have any questions in the meantime, or if you don't receive your letter after 10 days, feel free to reach out to your Loan Officer. 


Sincerely, XXXX XXXX XXXX XXXX ''
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/2024, I was approved for an American Express XXXX XXXX XXXX card. In the original terms of service and terms and conditions of the this particular card. It stated that there is no preset spending limit and limits be calculated by paying your balances on time, no late payments and depending on how much money you receive your limit will fluctuate or decrease. However I was declined a purchase XX/XX/XXXX. I call customer service support specialist and told them I was declined purchase. The specialist told me that I had a preset spending limit of {$1000.00}. I asked them how so because my account was just opened. He assured me that as he looked at my account it showed that my spending limit was indeed set to {$1000.00}. This leads me to believe that American Experess is engaging in false advertising and misleading information. I would like to also file a claim with the SEC as American Express has violated their rights and abused their set forth rules.