davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX I opened a Capitol One Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.
Consumer complaint received 2019-04-08
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. (CA)

I have noticed and taken record of the principal amount on my loan being increased by {$2.00} a day. At first I thought maybe this is some type of reverse interest charge. With my payment not due until the ninth of the month. On the fourth of the month I paid {$20.00} towards my loan as an experiment to see what they do with my payment. I let two days pass and checked my balance due. My balance due I Had only decreased by {$13.00}. So are they charging me interest at both ends? Or is what theyre doing illegal? I will include screenshots as proof to my claim.
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they do not investigate the matter, instead they send something back wanting more information from me ( proof of address, copy of social security card, etc ... ). I have sent a total of 4 letters to them over the last few months.
Consumer complaint received 2023-07-25
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. (MI)

XXXX XXXX XXXX IS POSTING NEGATIVE AND LATE PAYMENTS ON AN ACCOUN T THAT IS CURRENTLY IN LITIGATION DUE TO THE FACT THAT WE HAVE BEEN DEFRAUDED. WE PURCHASED A TRUCK AND WARRANTY FROM XXXX XXXX XXXX AND IT WAS FUNDED BY XXXX XXXX XXXX THE WARRANTY COMPANY REFUSES TO COVER SERVICES THAT ARE UNDER THE CONTRACT THAT THE DEALERSHIP SOLD US. THE BANK CONTINUES TO REPORT LATE CHARGES ON ADD ON SERVICES WE NEVER RECEIVED.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CT)

Rented through XXXX XXXX XXXX in XXXX XXXX XXXX Florida. After moving out, I was asked to pay a fee of {$870.00}. I paid the fee within a week. It was still sent to collections company of Hunter Warfield.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Evergreen Financial Services Inc. (OR)

In XX/XX/XXXX, Evergreen Financial went to XXXX XXXX and collection bills combined for my then husband and myself. He got the paperwork and I did not see it. 
We divorced in XX/XX/XXXX. Evergreen Financial was specifically listed for approximately $ XXXX in his list of creditors. In XX/XX/XXXX, after not hearing from them in several months, I sent them the attached letter, certified. I gave them XXXX 's address. I did get a copy of debts, and paid one of mine off. 
I have discovered that an original {$100.00} debt is now {$500.00}. I was told by the man I spoke too in XX/XX/XXXX that it was my " fault and maybe if I had paid my bills we would not be here ''. At the time I did not have the funds to pay the bill as I was bringing home {$700.00} a month after XXXX had a XXXX XXXX and lost his job.. 
I have attempted to settle the {$100.00} debt, and they refuse. They continue to ask me to make payments that are more than I can afford. In XX/XX/XXXX They got nasty with me demanding to know who my second job was with. They stated that any money I sent would be applied to the debt, but not considered a payment. 
I was also told they will not pursue XXXX, even though they have his information. I have been told to pursue him myself However, he is a threat to me. I have had a restraining order against him in the past. I was told so what. They have been rude to me, told me that if I was a responsible adult, I would not have the debt, and that refuse to make a payment arrangement for the full amount of debt, unless it is what they want. 
I can not afford it and pay my basic living expenses and other debt. Again I was told too bad. 
I have been told by 3 employees they will not pursue XXXX because he did not have income.
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Hello, I am enrolled in the PSLF program through IBR. I had to refinance my loans with XXXX XXXX to enroll in PSLF, which charges high interest but I was hoping would be worth it. I have moved and taken dramatic changes in salary, as has my spouse. XXXX XXXX has not provided with me information to make sustainable payments according to my income bracket, and I can not afford to pay at all. They have been unresponsive to contact, and I have been forced to defer payments for the last 10 months waiting for them. They seem to lose my documentation or keep telling me to resubmit it again and again, although I have many times. All the while, they charge me the interest and it accrues while waiting for them. I am not sure how anyone can afford to get a Masters degree at all. PSLF was the only hope I had.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

Wire withdrawals marked " transaction completed '' on XXXX XXXX and XXXX XXXX made from Coinbase to verified savings. However the funds never came through and I have been unable to reach Coinbase support by phone or email. I have additional funds in Coinbase that I am now afraid to withdraw because {$5000.00} in wire transfers have seemingly vanished out of thin air and I have been trying to reach support for over two weeks.
Consumer complaint received 2019-04-08
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. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

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 2023-03-15
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. (AL)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I requested that an overpayment I made to my credit card be sent as a refund check to my home because I mistakenly made a double payment to my credit card. The refund check was returned by the courier because i wasnt home and I have been calling chase to get the refund reissued. I have waited nearly a month for them to return my overpayment. And I have been hung up on multiple times and they have been using stalling tactics, telling me to wait ten business days for a stop payment to be done then an additional 3 - 7 business days for them to figure out where the refund is, or whether its been cashed or not. The supervisors cant give any updates about this issue.
Consumer complaint received 2023-03-14
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 did not authorize and I do not recognize the following inquiries : 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have previously submitted disputes regarding these inaccuracies, and Experian has not provided any evidence or documentation used in the investigation but all accounts came back verified. As such, I request that Experian conduct a thorough investigation into these discrepancies and correct any and errors promptly, in accordance with my rights under the FCRA, I request you delete the following accounts due to clear incorrect reporting. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 a and b, I am exercising my right to dispute inaccurate or incomplete information in my consumer report. 

Upon reviewing my credit report, I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid in settlement but Experian is reporting it as a charge off month to month with a written off balance which is a clear violation of the FCRA. 

XXXX. XXXX XXXX The balance is reporting as {$4500.00} but the past due amount as of XX/XX/2024 is reporting as $ XXXX Acct # XXXX which is a clear violation of the FCRA XXXX 

XXXX. XXXX XXXX XXXX XXXX in balance, and payment history Acct # XXXX  Accoount showing a charge off amount of {$12000.00} and past due amount showing {$8900.00} which is a clear violation of the fcra XXXX. XXXX XXXX XXXX- This account is paid and reporting month to month as a charge off which is a clear violation of the FCRA Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution of this re-investigation. I've also attached my previous dispute that was mailed in and never addressed
Consumer complaint received 2019-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I closed on my new home XX/XX/XXXX, it was a brand new build. My servicer, US Bank did an escrow analysis in XX/XX/XXXX, they sent me a check for about {$970.00} and my payment went up about {$40.00}. I was under the impression that they did the escrow analysis on the tax appraisal value, which was done XXXX or XXXX 2018. I kept checking my appraisal to ensure that the new value was listed as I know that XXXX is when an escrow analysis is typically done. So when they did the analysis in XXXX I trusted that they used the new value. I was wrong, the sent me an escrow analysis XX/XX/XXXX, my payment went up {$900.00}. The servicer says that I am over {$6000.00} short in my escrow account. I always expected my payment to go up about {$200.00} - {$300.00} since it was going from land only to a new structure being built on it. So the payment went up, as I expected but then I have to pay another {$500.00} for the shortage. 

I called them and asked them why they didn't check with the XXXX XXXX Appraisal District for the new value, I was told they just went by the invoices from the previous year. I feel they are at fault for not doing their job to get the new value, especially when the property starts with land only. 

So now this puts me in jeopardy of losing my home, who can pay that much more for a house payment. I got no sympathy from the servicer. 

I don't know what can be done but I don't feel that they did their job properly and now I have to suffer for it. I don't know what the laws are, but I feel that servicers need to make sure that they have the most updated information from the appraisal district. How many other people has this happened to, it is just wrong. This has caused a lot of stress, when it could have been avoided. I trusted them to know what they were doing, but obviously they don't. 

Please help me so I don't lose my home. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (PA)

I received a notice from a debt collection agency regarding a medical bill totaling {$1500.00} from XXXX XXXX XXXX  Hospital for XXXX XXXX   dating XX/XX/18. I was informed by my social worker Medicare would cover any remaining medical expenses after XX/XX/18. I have XXXX as my primary insurance and Medicare as my secondary insurance. I have called XXXX hospital 's billing office at least 7 times to tell them bill Medicare as my secondary insurance. As far as I know they are waiting on Medicare to pay the remaining balance. I was never notified of this debt being sent to collections by XXXX. It should be covered in full by XXXX and Medicare. The collection agency is State Collection Service XXXX XXXX  XXXX XXXX WI XXXX. Phone number XXXX XXXX billing office isXXXX
Consumer complaint received 2019-04-08
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. (AZ)

This credit card has nothing to do with me. Never asked for have or used this credit card. Not mine. Yet they say its been verified. NOT. I HAVE NO IDEA WHAT THIS BANK IS. AND HAVE NEVER received ANY information or card from them
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

As a continuation from my other complaint, incorporated herein ... 
US Bank is sending a fake name person in response and not addressing the issues presented. Request for documentation of merchant that sold products or services that conflicts or affirms that I was not duped on products/services sold to me are not being addressed. 

Reason for denying my FCBA dispute when no response from merchant is admission of the claim against him are not being addressed. 

Additional information, albeit it should not have been needed, has been supplied that affirms what I was supposed to receive and did not after a long drag out by the merchant and attempt to bait and switch me to other products/services in place of what was purchased.
Consumer complaint received 2018-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this Experian who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later.

Username forgot username Password forgot password  Remember my username next time
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (VA)

I return car back to dealaship back in XX/XX/XXXX, it is still showing open on credit report and I went to XXXX and they still saying wait, but the account should said close because I turn in and paid last payment and it is now XX/XX/XXXX and it is holding me up from getting another car
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

I had a charge off do to come off my credit report ( Experian, other credit reporting companies have not been checked for this ) in XX/XX/2019 - XXXX XXXX, the company the charge off is with, Illegally change my credit report to the charge off to have occurring in XX/XX/2019 and adding 7 more years to this account - Falsely changing an account constitutes fraud - Best resolution is not only this account comes off my credit report immediately but XXXX XXXX be restricted from reporting to the credit bureaus since apparently they have a dept dedicated to performing fraud by intentionally falsely changing data to harm the public.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX   ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/18 company XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I did not authorize this inquiry I requested information only I received an email I would be contacted I was never contacted to confirm this inquiry. 
I contacted transunion, and informed the above company would have to send a letter of removal, I then called above company and was told they do not give letters. This unauthorized inquiry has now reduced my credit score.
Consumer complaint received 2023-03-14
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. (TX)

XXXX XXXX XXXX requested my credit score through factual data. They received an equifax score of XXXX. When I log into my equifax account I have a credit score of XXXX. Called Equifax they said that I would have to talk to XXXX XXXX. XXXX XXXX said they use the XXXX XXXX model to get score. They could not tell me why the credit score was so different. They said I needed to call myfico. Called them they said that they are credit subscription service. Because XXXX XXXX reported a XXXX credit score I am unable to get the home loan that would be afforded to me for having a XXXX credit score. There is no one that will take responsibility or explain why this big of a difference could occur.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

DISCUSSED AND TREATED TO HAVE ANOTHER BANK IN MY NAME AND TOLD ME THAT I HAVE AN ACCOUNT WITH THESE BANKS THAT ARE REPORTING TO ME WHICH I DO BUT IT IS NOT SO I DO NOT HAVE NOR EARNED IN THE PAST WITH THIS BANK SOMEONE ELSE USED MY PERSONAL INFORMATION TO MAKE ACCOUNTS ON MY NAME ...