davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?
Consumer complaint received 2018-12-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

Navient /XXXX XXXX keeps reporting and damaging my credit. The statute of limitations have been passed. Also, in my credit report it have been marked as bankruptcy discharged but they still mark as derogatory and its private loans. They listed private student loans as government. As I am repaying on time with XXXX for federal loans. Navient has been ruining my life. They never sent me any validation that I owe them except for a bill from collection agencies.
Consumer complaint received 2023-03-10
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery has entered incorrect dates for a balance they purchased from XXXX XXXX more than 5 years ago. Ive sent numerous letters in XX/XX/XXXX offering to settle the balance for 3 different accounts. Ive received no answer. I demand portfolio recovery remove this from my credit report due to age. They constantly update and change the dates the account was opened. Latest update shows XX/XX/XXXX when opened. I did not open this account as of the date they allege. Ive asked for documentation with no response
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

I am disputing XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, and XXXX at the same ATM while I was XXXX card company has proof that I was XXXX  and still has not refund my money I have made a police report with the local police and they're investigating
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (OH)

Dear VELOCITY : Kindly provide validation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX. Since reporting errors may be in the account history, I hereby request that your company send such validation within a month of receipt of this request. This request is for more than just a review without detail. Rather I have demanded a formal audit. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by VELOCITY to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Should this be the circumstance, please DELETE this account. 
I offer my sincere gratitude for your assisting with this circumstance
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I applied the American Express gold card with two promotions 1 )  getting XXXX points after spending {$2000.00} and 2 ) getting  20 % cash back for restaurant expenses, up to total of {$100.00}. After hitting the target I never received any bonuses so I called AMEX and they said my " welcome bonuses '' were rejected. This card charges a hefty {$250.00} annual fee and they are not honoring any of the promotions. They are not able to provide any specific explanation of why the offers were rejected, nor did they ever notice my of the issue during or after the application process.
Consumer complaint received 2023-03-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-12-26
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. (PA)

XXXX XXXX refused to remove an item from my credit report that isnt mine they claim it is and they will not remove it I have have a credit agency contact them on 5 different occasions please help with this matter
Consumer complaint received 2023-03-10
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. (NC)

I have submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with Experian. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

Experian had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. Equifax and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.XXXX XXXX   as past due and in Collection. XXXX was Part of my Discharge 4. equifax does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Consumer complaint received 2023-03-10
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

Chase closed my XXXX card due to no use. Then a month later ( XX/XX/2018 ) they did a hard inquiry and issued another account. 

I asked for the application since I did not apply. They are saying I need to file a police report and jump through a bunch of hoops to get the information they claim they received. 

They did close the account, but they did not remove the hard inquiry from my account. 

I did nothing wrong, why is it so hard to get a copy of what they claim they received. It is on my credit report and I need it removed.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (VA)

On XXXX XXXX XXXX took a payment unauthorized from my BB & T account for {$44.00}. This made my account go into a negative status. At the time I figured my husband and I just had to deal with the mistake with the insurance company. This turned out not to be the case. BB & T put my prevuous debit transactions all out of order ( most that occurred on the XXXX ) and I was charged {$100.00} in overdraft fees and an overdraft fee for esurance. While I had the money for my other charges BB & T refused to refund me my money stating that 3 of my first charges posted after XXXX. My online account did not reflect this at  all. I check my account daily and multiple times. BB & T reordered my transactions from the highest to the lowest resulting in these fees ( with esurance being the highest ). Since then XXXX has corrected the mistake on their end and refunded the {$44.00} while BB & T have said that " if '' they refund my fees it will be up 5 days. They should not be allowed to do this especially with debit card purchases. Once the money is debited I cant touch it. Exactly why I chose to debit and keep an accurate account of how much I have to spend. I have further documentation on my purchases being jumbled up if needed.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I deposited a check with Bank of America using their mobile app. ( XX/XX/2019 ) My check is now being held hostage until XX/XX/2019. I have never had any negative issues with my account as it has always been in good standing. This two week hold, which I've deposited many, many, many checks and have had direct deposit for quite some time will now cause a slew of financial burdens for my family and I. I do not have funds for paying my bills which I now will default on 4 of my credit card payments, possibly my rent and I have XXXX small children that are relying on these fundamental my husband works hard for. In my 20 years of banking I have never seen such a thing. Please I ask for you help. Thank you.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (NE)

Our company account was closed due to the sale of the business in early XX/XX/2018, we have a credit balance in the amount of {$670.00} that we have been attempting to recover for the past 4 to 6 weeks. We have made 3 calls to their customer service number, the last time today, XX/XX/2018, and the we are told that a request has been sent to their AR department who is responsible to process the refund, but when a call is made to check on the status of the refund there is no update to our account.

Their customer service staff acknowledge that there is a credit balance and that a refund is due and that we will receive notification of the status and a refund check. But as of this date we have not received the refund check and they and they can provide no additional information since it is in the hands of their AR department.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

XXXX  and XXXX are reporting a collection account from Conserve that was paid off already. Also XXXX and XXXX  are reporting differrent open dates which they should be all accurate and all be same date.it is highly damaging to my credit report. 
attached is a copy of my credit report and also a statement where I paid conserve.
Consumer complaint received 2020-11-02
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. (CA)

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT MANAGEMENT  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/XXXX, I started receiving phone calls from a XXXX XXXX " XXXX XXXX '' is what they called their selves, claiming that they are going to sue me for an HSBC account that I have no knowledge of. They have called my wife and left messages stating that I am currently being investigated and need to call XXXX and reference # XXXX. I attempted to reach the XXXX who are now claiming to be from XXXX XXXX   and they were very unprofessional. They started to call my brother and sisters cell phones telling them that I am being investigated and will be sued if I don't comply. I called them again on XX/XX/18 and was told that I could not request them to cease and desist called to my cell phone or to my relatives. I asked for a manager and the account representative advised that there was no one available. She refused to provide me any details about this account that they are claiming I owe. I advised them that I would file a claim against their business for harassment and defamation of character and again, they refused to stop the harassing calls.
Consumer complaint received 2019-09-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 XXXX XXXX account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd XXXX XXXX account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is citi, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX VA XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-16
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 XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX Their stance is basically that the account is no longer with them, so it is no longer their problem.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have sent multiple certified written letters to all credit bureaus Experian, XXXX, XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. It is important to note that XXXX, and XXXX removed the negative information i but Experian refused to do so. Thank you.