davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2018-10-29
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: Experian Information Solutions Inc. (MA)

Ordered a free credit report from EXPERIAN. There was a " potentially negative '' entry related to an entity identified inly as XXXX, which I believe is XXXX XXXX XXXX. That entity serviced my student loans for a period of time. The entity then transferred those loans to the current servicer ( s )  XXXX. Attempted to call EXPERIAN to inquire about what exactly was the negative aspect of my relationship with this entity. Tried to call a number of times, on a few different numbers. Nb. all calls were made during EXPERIAN 's posted hours of operation. No luck. Only contact was with an automated phone attendant and I was not provided with an option to speak with a representative.
Consumer complaint received 2022-03-13
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. (FL)

On several different occasions I disputed inaccuracies with Equifax due to XXXX XXXX  reporting inaccurate information. The only thing Equifax has done each time is send back letters saying account was verified and one time they changed the charge off month from XX/XX/2020 to XX/XX/2020 after I disputed a third time. Each time I sent out letters to Equifax I explain the inaccuracies of XXXX XXXX  and Equifax has failed me each time to investigate properly. Attached is evidence that is is clear that XXXX XXXX account is causing more damage to my credit report. Everytime I dispute they dont fix the error and it just lowers my credit score again. How is this fair to me. Under Fcra as a consumer I have rights also for credit report agencies to report accurate information. There is no need for me to give further detail as Equifax should know the laws. Not only did Equifax not fix the disputes I requested for removing the charge off they didnt even provide a method of verification of how they verified my payment history. I do not want this to be updated again. As I said Everytime they change a month my credit drops from the dispute. Equifax needs to remove this paid charge off with the incorrect payment history across all three major bereaus. It was never a charge off from the beginning. Insurance paid this account before the charge off was reported so why should I keep suffering for XXXX XXXX  mistake that Equifax has failed to fix on multiple occasions. Delete this account completely. I will seek legal counsel if Equifax does not completely delete this XXXX XXXX  account for their reckless reporting. I have provided enough proof which I shouldnt have to continue to do. Charge off dates amounts are not even correct. XX/XX/2020 charge off has XXXX  balance on two credit reports while on another credit report the XX/XX/2020 charge of balance has {$930.00}. This is so stressful. Delete this before I also sue to recover damages for this not being handled after multiple letters to Equifax. Thankfully I still have my dispute letters and so called verifications that Equifax mailed back to me. They claimed they verified my payment history but its clear that have not.
Consumer complaint received 2023-03-21
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. (NJ)

On XXXX I mailed a letter to the creditor and CRAs to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, XXXX Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Scammer called said they were the bank and that there was details on my account and tricked me into sending {$2000.00} via XXXX I called the bank back the transaction was still pending In my bank today them it was fraud and they said there was nothing they could do to call back Monday the number that I was told to XXXX the money to was XXXX Im recently retired on XXXX behind on bills and that was all the money I have Im XXXX and Im sick over it please help
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I went to the ATM made a deposit and requested a {$200.00} fast cash withdraw. The machine told me to take my card which I did and then the machine acted as though I took my cash and told me to take my receipt. I immeditately went into the bank and told the tellers what had happened and they filed a complaint and temporarly posted the funds back into my account. I received a letter from the bank 10 days later stating after investigation they found no errors on their end and they debited the money back out of my account. The bank staff told me I would have to file a police report for the secuity footage to show whether I received my funds or not. I tried to file a police report and the police say this is a civil matter. The bank is refusing to look at the footage.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NC)

I called Citibank about a Home Depot job for gutters. The job number is XXXX. Some one named XXXX said he would file a dispute on it. He told me not to pay on the balance of XXXX dollars at that time. He said adjustments would be made later. A few days later I got a message about the dispute that I could not open and then I found that I had been charged a late fee because I did n't pay on the bill. I talked with them twice and although I could n't open their letters, they said that their disputed department said they could not file the dispute since the job was older than 90 days old even if I did still owe XXXX dollars. They did take off the late fee but they never even made an attempt to make things right for me about the gutters. <P/>By all appearances Citibank has teamed up with Home Depot to bilk people out of money for work that is not even close to being decent. When I talked with the so called installation manager for Home Depot, he asked me if I had leak protection on the gutters. I told him the gutters did n't channel the water and we had a water fall affect in various areas. The biggest problem with home depot is that they do n't keep commitments about calling or coming. <P/>Citibank has been quick to try and add late fees to my account even though I am really paying early and not late. They failed to inform me of anything going on with the dispute and at this time, they are showing my payment as late. They are in my opinion as irresponsible as Home Depot. I want assistance please.
Consumer complaint received 2021-04-13
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: CORELOGIC INC (OH)

I purchased a vehicle from XXXX XXXX of XXXX located at XXXX XXXX XXXX, XXXX, MD, XXXX on XX/XX/XXXX. The purchase was in cash. However the dealer performed a hard credit inquiry without my permission and without legitimate business purpose. The dealer said they would submit a letter to Credco  to get the hard inquiry removed however to date it has not happened. I contacted Credoco as well as XXXX and they have been unhelpful thus far.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I called XXXX  Credit Card customer support on XX/XX/2018 to request a new card. We gained agreement on this resolution. 

At one point I had to speak with the Security Operations team  because I previously called in to put a voluntary freeze on the account. The customer service representative mentioned a " new account '' and I was alarmed. We gained agreement this process was about me getting a card rather than a new account. I wanted to use my existing account that was a good-standing, XXXX balance account on my credit statement I wanted to use and make sure it did not close. 

Full agreement was gained on the call I'd have a new card. 
Instead, the account was closed in error. 
I received a notice that was totally unrelated to the call asking for a new card on an account that has no balance or purchase disputes. The notice said, " We have completed our investigation regarding your claim of unauthorized use. Unfortunately, based on our review, we have determined that you are responsible for the charges in question. '' This was unrelated to my request for a new card. This was also unrelated to the erroneous closure of my account, which was never agreed to. I specified that I wanted the card to make sure I could still use and enjoy my card. 

This mistake needs to be corrected. Calls to XXXX have resulted in requests for me to call back again and speak with a different department. I need the issue resolved. It has resulted in tangible negative impacts and risk to my credit, and thus my finances. 

Thank you.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX  XXXX Balance : {$64.00} XXXX XX/XX/2022
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (NJ)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

Received a letter ( XX/XX/XXXX ) stating my lease was paid off. They were wrong as the applied a payoff from another loan to my loan. I called GM Financial to let them about their mistake and they said they would correct the matter. I have send 2 payments in to keep currant on my contract ( ends in XX/XX/XXXX ). I now found they lost my payments and tell me I owe late charges. I want then just to clear my name and end my lease early. I have done business with GM for over 20 yrs and I wont do business again. I feel like calling the news channels and informing everyone I know.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/2016 I sent Portfolio recovery a cease and desist after many contact from them at home and work about an alleged debt I don't owe. They ceased to contact me for a few months however I just received another letter at work regarding the same account. They continue to harass me on a debt that I don't owe. I've never had a credit card from XXXX XXXX.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (IA)

I reached out to the company, XXXX XXXX XXXX XXXX  after their multiple attempts to call me and asked them can I pay the balance and then have it deleted from my credit reports. The representative told me they would indeed delete it, but changed the account to reflect that it was paid and didn't remove it from my report.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one credit card are reporting my balance as XXXX and a month payment of XXXX dollars. 

The information is not correct according to my monthly statement. My balance is XXXX and there is no monthly payment due and the payment is zero. 

The balance of XXXX dollars is not due and no statement reflection such reporting. 

I have always paid my bill ahead of time. Capital one credit card is reporting inaccurate information on my credit report after being paid in full with a overpayment of XXXX. 

Due to the overpayment there was a credit on my account of XXXX I don't own a XXXX dollars payment according to my statement and the balance being reported is inaccurate information. 

I have always paid my bill in full according to my payment history with this company. 

There is no balance and no payment is due and the payment is XXXX dollars. Due to being paid in full.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (NC)

Received a letter in the mail that a XXXX debt was owed for a er visit while traveling. Being that I am XXXX XXXX I didn't have co pays. However the XXXX dollars owed was due to a billing error on XXXX XXXX behalf. I did however pay the bill after being threatened and employees of professional account services refusing to listen to me. I was hung up on when I told the rep I paid the bill with the hospital directly. Which is XXXX XXXX. The rep again hung up on me. The confirmation for my XXXX dollars is XXXX. Bill was paid directly to XXXX and should have been sent to collections per the fair credit reporting act and hippa laws.
Consumer complaint received 2022-03-13
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: Early Warning Services, LLC (NC)

Early Warning services reported to the CFPB they removed fraudulent information on XXXX. They lied. 605B of the FCRA section C which allows a CRA to reinsert information previously blocked has 3 specific reasons that need to be met before information is reinserted.

1. Error.

2. Material misrepresentation of fact.

3. Proof consumer received goods or services from the blocked account.

Absolutely NONE of those 3 are true so they can not be proven.

Early Warning gets information that is NOT complete or accurate, yet Early Warning breaks the law by reinserting the blocked account information. 
I have attempted to contact the furnisher of the fraud info but they have NEVER contacted me back. Lies from the furnisher, the reporting company. The police have cleared me, with hard proof fingerprints that did not match the perpetrator, plus proof I did not open the external bank accounts here the monies transferred were picked up. Yet, XXXXthe furnisher of the fraud info continues to harbor the belief it was me. It is this stupidity and arrogance that is harmful to me. 
XXXX has NOT responded to my initial complaint, but Early Warning responded they removed the fraud info but put it back into my file.
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

In XXXX I consolidated my Federal student loans. At the time my loan was being serviced by Sallie Mae. The balance of the consolidation loan was {$23000.00}. Over the past 10 years most of the time my loan was either in an In-School Deferment, Repayment or a forbearance because of economic hardship. Approximately XXXX my loan was transferred over to Navient to be serviced. After it transferred to Navient I noticed that my loan balance was over {$48000.00} which is about {$25000.00} more than it was previous. My first impression was that this has to be a duplicate entry on my report. I have disputed this entry with all 3 credit bureaus. One of the 3 seems to have removed the duplicate entry. However, I recently also pulled the NSLDS file and it is showing two FFEL Consolidated loans with Navient. I again believe that this is a duplicate entry. I have not been able to get details of the loan balance with Navient or had any success in getting their help to understand the account balance. I spoke to a representative at Navient and their answer was to put me in a Deferment until I could get someone to sort out why my balance was so high and put in a dispute. My goal is to have the account reviewed to see if this in fact is a duplicate student loan entry and figure out the path to get this entry removed from all 3 credit bureaus, as well as to have Navient stop collection on an invalid loan balance. 

I have also noticed that on some of my Credit Reports and Student Loan Account information with XXXX XXXX and Navient that they have my middle initial as XXXX XXXX XXXX. My middle name XXXX and therefore it should be designated as XXXX. I am not sure if there are other XXXX XXXX whose information could be crossing with mine causing some of the balance discrepancies.
Consumer complaint received 2019-05-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

*My husband and I have been having financial and health difficulties ( XXXX XXXX, XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX ) since XXXX. 
*We were not able to pay our mortgage or equity line or credit card bills. 
*In XXXX, XXXX had given us a loan modification with differed principle of {$300000.00} but we were forced to rent our principle residence out to maintain the modification payment. 
*Our modification payment has increased to {$4000.00} as of XX/XX/XXXX. 
*We also have an equity line of {$180000.00} originally with XXXX XXXX who sold it to XXXX who sold it to SLS *I have been trying to workout a settlement with SLS but they refused to accept my offer on several attempts *Instead they came up with their own structured payment of {$650.00} monthly on an increased balance of XXXX. I am in no condition or financially capable to make such payment monthly. 
*After submitting a complaint to CFPB on XX/XX/XXXX, SLS responded with a threaten notice ( see enclosed document attached ). 
*If I do not agree to their terms they will foreclosed on my property. And a demand of {$200000.00} due on XX/XX/XXXX. And continuously phone calls harassing me and threaten to foreclose. 
*Just yesterday, XX/XX/XXXX, I received a phone call from XXXX XXXX who tells me to sell the property if I can not afford to pay the amount of {$200000.00} that due right now. 
*I asked to talk to her manager, so Mr XXXX XXXX supervisor took over the conversation on the phone, He said if I can not pay {$250000.00} by XX/XX/XXXX, I will be reviewed for foreclosure. 
I beg them to please communicate with me through email, because the phone calls are too stressful and had increased my XXXX XXXX to XXXX. But He refused and said they are not aloud to do that and continued to harass me with threatening phone calls.