davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (SC)

I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX/XXXX XXXX - XXXX/XXXX XXXX - XXXX/XXXX - XXXX XXXX/XXXX
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CA)

filed date XX/XX/XXXX disposition date : XX/XX/XXXX type : Misdemeanor assault and battery disposition : convicted unsupervised probation for 3 years
Consumer complaint received 2020-02-13
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: EQUIFAX, INC. (CA)

ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON EQUIFAX.COM AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I went into my bank branch on XX/XX/22 and sent a wire transfer to a Bank XXXX XXXX account in the amount of {$15000.00}. I have since learned that the website I was working with, has become a ghost. I would hope Bank XXXX XXXX would see this as a fraudulent bank account, as I have learned I am not the only victim of this fraud scam.
Consumer complaint received 2022-07-05
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. (FL)

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XX/XX/XXXX- XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (FL)

I got the car a few years ago. I paid the company for repair service contract per month. Which meant I should be able to get the car fixed anywhere and not have to pay anything over 100. I kept having problems with the car that I was having problems to get fixed because no mechanics accepted it. I tried taking the car to the dealership to fix it, the would not. I explained to them that I was newly divorced mother of XXXX   and could not afford to pay the expensive car note per moth as well as the payments for the extensive repairs. I now have a repo on my credit.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (GA)

In early XX/XX/XXXX, I received a debt collection letter from Credit Management LP stating that I owed a debt to XXXX XXXX in the amount of {$170.00}. The next day I mailed them a debt verification letter through USPS certified mail. In the letter, I informed them that I disputed the debt because I had spoken to XXXX about the inaccurate debt and I was awaiting a response. I informed them that when I had XXXX I closed the account in XX/XX/XXXX. When I closed the account I had a XXXX balance and received a final bill. Almost 2 months later I received another bill that was {$170.00}. I called and a representative named XXXX and then XXXX stated that they didn't know why. I was then told to go into an XXXX store to discuss it with a store rep. I went to the store and asked for copies of the bills to verify the information and was told that they can only show me the last bill and could not print in-store because they were saving paper. The store rep stated that after I closed my account that an adjustment had been made but she didn't know why and that I needed to call back. She also stated that she had ordered all of my past bills and payments to have them mailed to me. I never received the bills, payment history nor a phone call back about the debt. I then received the debt letter from Credit Management. 

Credit Management mailed me the letter only about 2 weeks ago and immediately reported it as a collection on my credit, which has negatively impacted my credit file. Instead of waiting for the 30 days that they are required to wait they decided to illegally move forward with an invalid debt collection tactic. They never even replied to the letter I mailed them asking for verification of the debt. No one has a valid reason that the debt even exists accept that XXXX/XXXX  said they adjusted a bill. This is an underhanded tactic from XXXX for me canceling their service and Credit Management attempting to make money from an invalid, unverified debt.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America mailed me a Bank of America rewards card application. The Bank of American specifically stated that after having spent a certain amount of money in a certain amount of time I would received cash rewards of {$200.00}. I went to the Bank of American branch office in XXXX, New Jersey this money to claim my {$200.00}. I was told that I would have to wait 5 business days for the Bank American to transfer the {$200.00} from the credit card account to my Bank of America checking account. I objected to the long delay. The Bank of American employee said that is the policy. But there can be no excuse for any delay at all let alone 5 business days. It is the same bank for both the credit card and for the checking account. I demand immediate credit to my check account of {$200.00} plus interest.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (FL)

We sold our home. Paid off the loan. The bank continued to withdraw funds in the amount of the monthly payment AFTER the loan was paid in full. We caught the error when the withdraw was merely pending and notified the bank of the error. The bank refused to stop the withdraw. We asked them to return the charges. The bank refused and said they would send a check. It has been several weeks and the bank has been unresponsive to emails and phone calls have been unhelpful. It seems they intend to keep our extra payment. I don't understand how they can do this. The bank is Third Federal in XXXX.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Revenue, Inc. (DC)

XXXX-I filed a compliant with your bureau against Eastern Revenue Inc. as they are reporting an inaccurate debt on my credit report with XXXX, XXXX & XXXX. In my complaint I have ask for a debt validation from company showing proof that I owe them directly {$700.00} for XXXX XXXX XXXX XXXX XXXX in which they reported as the original creditor. After waiting 30 days since they responded to this complaint, Eastern Revenue still had not sent any proof of debt to me even after me contacting them and speaking with XXXX XXXX on XX/XX/XXXX and verifying my mailing address with him. 

XXXX Since I was not able to resolve this issue directly with Eastern Revenue directly. I was able to get to the bottom of this since I was a former employee of XXXX and know the collections team pretty well there. Collections Representative ( Ms. XXXX ) informed me via by phone and email that I had an overdraft from XX/XX/XXXX that was not covered on an old checking account in the amount of {$530.00} ( please see attachments ). She informed me that I can pay this balance at one XXXX local branches and the account will be settled. 

XXXX I sent XXXX a certified check in the amount of {$530.00} and a request to close all existing open accounts. In my request I informed XXXX that if they accept and cash my certified check they will close and have the collection account removed with their third party ( Eastern Revenue ) who is reporting on my XXXX, XXXX & XXXX. As their third party is reporting an inaccurate account, and I have settled the debt directly with them ( XXXX ). XXXX agreed and cashed the check on XX/XX/XXXX and closed all requested accounts as I requested.
Consumer complaint received 2020-02-13
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: EQUIFAX, INC. (MS)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX | DOB : XX/XX/1967 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. These accounts do not have any contact information payment history, this is inaccurate reporting therefor unverifiable and must be deleted from my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Collection acc.  XXXX Unverified Account Collection acc. XXXX Unverified Account XXXX Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2020-02-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

Complaint is regarding US Bank Mortgage. My payment for XX/XX/XXXX was due on XX/XX/XXXX but we were in the process of selling our home and were supposed to close mid-month XX/XX/XXXX. There was a delay and we closed on XX/XX/XXXX and the loan was funded on XX/XX/XXXX. The wire transfer was sent on XX/XX/XXXX but was not processed by US Bank until XX/XX/XXXX therefore they reported a 30 day late. This is inaccurate as the payment was received ON the 30th day. I contacted the company and all parties I have spoken to agree that the late was reported inaccurately with the exception of the last person, XXXX. She was quite rude and stated the account was late and it is not going to be changed. I have an email from the title company showing the wire transfer information dated XX/XX/XXXX if needed.
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (MD)

Specifically : The incorrect information are specifically the score factors. And only the score factors! The pictures in the attachments specifically Show the same 5 score factors in good standing = ( Green ) and 1 one negative score factor = ( Red ). I WANT THE NEGATIVE SCORE FACTOR REMOVED. Because the score factors are generated from information in my credit file. And this score factor has no matching origin from my credit file. And if there is not an agenda to falsely and negativity restrict my credit score, then why every time I bring the one negative factor out of the five score factor into question. to be removed. It is not removed but the false reason for the negative score factor changes. Not once but 3 times as I showed you in the picture attachments. That action is nothing but illegal And still leaves me in the same place Ill started, with 4 good factors and 1 bad.
Consumer complaint received 2020-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XXXX, I called every month to inquire after loan consolidation and income-driven repayments. Each time was a different account ( and with some third world country calling agent I might add who could barely speak the language ). After three years of calling, every month or every other month, I was convinced I could not consolidate, and that graduated payments were my only option. 

This was done to lock me out of market low consolidation rates and a IDR plan. 

It is now XXXX. I have given TWICE of my principal back and still owe {$100000.00}. 

Under the consolidation that was available to me at the time according to others with consolidation rates, that amount would be almost nothing today. 

IDR is harder to calculate, but rough estimates according to others with similar incomes put a sum of {$50000.00} less than I have collectively paid today. 

I want to sue Navient for {$500000.00}.
Consumer complaint received 2020-02-13
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: EQUIFAX, INC. (TX)

I know I have no credit at all but was not told that I would have to give credit companies sensitive information like social security card just to access my own credit report and allow access to an apartment complex Im trying to rent from. The complex cant even get past step one of background/ credit so now Im having to reapply because of credit card companies
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

1 ) I have tried a number of times to get late fees removed from my mortgage with Peoples United Bank so that I can refinance with another Bank-The bank refuses to provide the information.

2 ) The bank stated that the proceeds of the sale of a subdivided lot were unencumbered-They lied 3 ) The bank forced me to provide the contract of sale ( For the release of a lot ) I owned after a subdivision that I had with a buyer just so they could take all of the proceeds- I borrowed from a family member to stay afloat and had a note that used the lot as collateral. To make matters worse, my relative is palliative and I wanted to pay him back before he died at a minimum.

4 ) Peoples 's United Bank tried unsuccessfully to foreclose on my while I was trying to create value for the subdivision. I have paid over 300k back in principle-Far more than required yet they still hold me hostage with late fees, report my mortgage payments as late which they are not and delay reporting my payments as well
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$3100.00}
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

RE : # XXXX This is my 3rd attempt to file a complaint & receive a proper debt validation. My first attempt was mailed on XX/XX/2019 & still have yet to receive a proper validation supplied to me. 

I am not sure who the debt collector actually is, I receive some correspondence that have Second Round Up & some correspondence come from Third Round Limited Partnership. ( Which is it? ) I have mailed in a debt validation letter to Comenity Capital/PRDSGN on several occasions, as well as the debt collector. I have requested the following information as FCRA allows : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The signed Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

I have also mailed a letter to the State of Michigan XXXX Judicial Court. 

I have requested the mentioned information on numerous occasions & I can not get a valid response. In addition, on XX/XX/XXXX I mailed XXXX XXXX XXXX, XXXX a letter requesting the same information. No such luck getting an answer to any of the 5 pieces of requested information. All I have received is photo copies of their " exhibits '' which is not providing me with any of the information that I have requested. It is just copies of what appears to be billing statements & that is it. 

I am trying my best to resolve this matter & avoid going to court. Once again, I am filing a complaint to try to get the above information requested. I am baffled that I have requested this information from Comenity Capital/XXXX, Second Round Up, Third Round up, I've requested the same information from the credit bureaus & the lawyer as well. How can NO ONE provide me with a copy of my signature on this apparent contract???
Consumer complaint received 2020-02-13
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: CITIBANK, N.A. (PA)

Hi, On XX/XX/2020, I received an email from XXXX XXXX that they are terminating my frequent flyer account XXXX which has a balance of XXXX miles. I filed a DOT complaint regarding this issue. On XX/XX/2020, I received a respond from XXXX XXXX stating they are closing my account because they accused me of receiving the XXXX XXXX miles due to exploitative practice. This is not true. I received the majority of my XXXX XXXX miles from the spending and bonuses of several citi Aadvantage credit cards which I applied using my name and my social security number. There's no misrepresentation on my part for this credit card application. I want Citi to confirm these applications and bonus miles awarded to me is valid and not exploitative practice. 

Best Regards XXXX XXXX.