davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this Capital One Account has been disputed with XXXX. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company Capital One in several occasions with no success on any resolution. XX/XX/XXXX the capital one account was challenged through XXXX to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX Bank of America for no reason closed my account and did not send me any letters or communicated with me on why. 

I have been a client of theirs for over 10 years with multiple bank accounts and Merrill Lynch accounts with proven cash flow exceeding the $ millions. 

Despite that they cancelled my credit card with {$15000.00} in credit line. That is utterly unacceptable and I want this reopened.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

I was being scammed by someone saying that they were the XXXX XXXX. They were threatening me and instructing me to deposit money into an account at Chase bank. In the amounts of {$90000.00} XX/XX/2022, {$220000.00} XX/XX/2022 and {$350000.00} XX/XX/2022. When I found out that the company was a scam, I alerted Chase of the fraud to hold the money and not disperse it. I have found out that Chase let a fraudulent company open a checking account with them and has been allowing them to run fraud through their bank. We have been trying to get them to put a hold on the {$350000.00} with help from my bank XXXX  No one from Chase will give me any updates on the money. I feel that chase did not do their fiduciary responsibility to protect me by opening up fake accounts.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (CA)

I contacted RISE on XX/XX/XXXX by certified mail. I requested verification of the account XXXX. It is being reported incorrectly as included in bankruptcy when I have never been in bankruptcy. 
I received a response XX/XX/XXXX stating " With the information provided on your earlier letter, we have not been able to confirm that we have the correct account identified '' They asked for the following : First and last name with the last 4 digits of my social security number ( which I included ), my entire birth date and the zip code of my home address and complete home number with area code. 
All these items were included which is why I was able to receive their letter! 

I sent another letter XX/XX/XXXX same as the first letter with no response. I also placed a phone call to the following number XXXX on XX/XX/XXXX leaving a message which has not been returned as of XX/XX/XXXX.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Attempted on Thursday, XX/XX/XXXX, to remove EXPERIAN credit freeze from both my wife 's account and mine to purchase vehicle. Remove was supposed to go from that day to noon, XX/XX/XXXX. After almost two hours online during which Experian 's computers kept combining my credit report with my wife 's, were able to finally, by pure luck, to speak with a human being after calling seven different numbers. The person went through a complete redo of my account and recheck of my wife 's information. He then said both accounts were unfrozen as requested and that he would sent me a confirmation number. Instead, the confirmation number for me was sent to my wife 's email address as was another confirmation number for her. All I received was an ad for some paid Experian service. 

At the dealer on Friday, XXXX XXXX through which the dealer was financing, reported that my account was unfrozen BUT MY WIFE 'S WAS NOT and as always, we had no recourse except to send something to Experian by regular mail. This necessitated another hour at the dealership as all the paperwork was redone to reflect only me as the purchaser. This is not the first time we have had similar issues with Experian. We do not use major credit that often, but henceforth, if we encounter a business that requires a report from Experian, we will refuse to purchase. We are sick of their incompetence and buck-passing. 

Please note we have never had any such issue with XXXX or XXXX.
Consumer complaint received 2018-11-15
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: Medical Data Systems, Inc. (GA)

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-15
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. (FL)

Re : Experian Dear Experian, There are incorrect addresses in my credit file that am not associated with and are the results of crime ( s ) that were committed against me. I am a victim of identity-theft. Needless to say, you were sent copies of an FTC Identity Theft Report and sworn Identity-Theft Affidavit. Please deleted the following addresses from my file. These address are related to identity-theft criminal activity. My only and correct address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. Having these addresses listed make it difficult of creditors to properly identify who I am. You are also in violation of THE FAIR CREDIT REPORTING ACT for reporting inaccurate information. Failure to comply shall lead to legal actions for being in violation and defamation of character. Whereas, knowingly having my name associated with addresses of debts that resulted from crime ( s ) 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX Thank you.
Consumer complaint received 2018-11-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Re:XXXX Dear Sirs, My loan was approved for an FHA-HAMP modification on XX/XX/XXXX. I was scheduled to make my first trial payment on or about XX/XX/XXXX. That was made successfully for the full amount of {$1100.00} and cleared on XX/XX/XXXX with documentation to verify. I also verified that payment was received and applied properly by CMS per terms on XX/XX/XXXX by XXXX, Employee ID XXXX. 

The SERIOUS CONCERN I have is today ( XX/XX/XXXX ) that I was alerted CMS has reported inaccurately that " Forclosure Initiated '' in all of my credit reports. This is in violation of FHA Single Family Policy Handbook XXXX and The XXXX Fair Credit Reporting Act. 

Regards, XXXX XXXX Loan No. XXXX
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

My name is XXXX XXXX. I am contacting you about my checking account with TRUIST bank. This company charged me XXXX over draft fee. They credited one of them. I am contacting you because I feel I was very much charged these fees when I should not have because when these pending charges cleared my account the money was there. XXXX pending charge caused my account to go in the red. At that time ALL the charges where pending. However when the bank did their update at midnight the XXXX XXXX charge is still pending and there is money in the account to cover that XXXX charge now. I could see if when all the charges CLEARED my account was in the red but that is/wasnt the case. How in the world could TRUIST charge me these fees. I contacted them and the first CSR was going to try to refund me ONE of the fees but I told her all those fees should be removed so I wanted to take to a supervisor. She transfered me to XXXX. After taking to him, he said the account charges where correct and wouldn't remove them. Hands down this isn't right. Can you please help me look into these fees. The date is XX/XX/2022. Please let me know what other information is needed to help me fix this issue.
Consumer complaint received 2023-03-24
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. (HI)

I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXXXXXX account number XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-24
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the  debt was not valid. I sent them a request to have the item removed from my credit on XX/XX/2018. Caine & Weiner instead sent me a bill with none of the information previously requested in my debt validation letter and they have not sent me anything stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ).
Consumer complaint received 2018-11-15
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. (NC)

Called Experian 5 times on XX/XX/2018 to have a Personal Statement/security statement/fraud alert removed from My credit file and i can never get any customer service representative to pick up the line all it does is redirect and loop you over and over and there is no option to speak with any one. I spent 2 hours calling at random times and its the same results.
Consumer complaint received 2023-03-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX ML 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 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 2021-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (PA)

XXXX XXXX has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. XXXX XXXX has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for XXXX XXXX  to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. XXXX XXXX  was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.
Consumer complaint received 2023-03-24
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXXA XXXX VEROS CREDIT 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 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 2018-11-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I've been paying on my loan forever. It keeps going back up to {$13000.00}. I have a family of XXXX and filed bankrupcy. Called the company and they gave me excuse after excuse. I also asked them about the forgiveness program nd they said I have to pay I dont qualify for anything.. I explained that the school I was going too closed down due to fraud. I shouldn't have to pay back. As I already paid the {$3500.00} I borrowed. 
We need justice and so many people are being robbed by this company. 

My account should be closed..reasons again.. 
Filed Bankrupcy Discharged Fed2018 Fraudulent School closed down I support a family of XXXX My account just was increased by {$5000.00} back to square one. 

They have everything on file as I tried getting this ressolved. 

Please help Desperate mother with faith
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

In my review of my credit report on XX/XX/2018. WAYPOINT RESOURCE GROUP is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.
Consumer complaint received 2022-07-12
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. (OH)

I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXXXXXX XXXX XXXXXXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX