davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (FL)

Investigation Investigation Request Letter To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. I would like if you can investigate all these hard inquires on XXXX, XXXX, Experian XXXX has 12 hard inquires that i can only voucher for 6 and the other are fraudulent XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX these are fraudulent inquires please remove from my credit report
Consumer complaint received 2021-02-16
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. (CA)

I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

I paid off loan XX/XX/2021. New Rez/ shellpoint is now reporting that the account is paid but that the account is 120 days late. I have never been 120 days late. 

Shellpoint was contacted XXXX and they said it will take up to 90 days to correct. I need this fixed ASAP as Im trying to arrange financing for a property I have in contract now.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WV)

These people keep calling 4 or 5 times a day, they say my phone number is not in there system. They can't tell me who the debt is for. This is a business they keep calling. They are rude and nasty and all they tell me is that my phone number is not registered with them, but yet they keep calling 4 or 5 times a day. I don't know what to do.
Consumer complaint received 2021-10-20
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. (MD)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2022-04-28
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XXXX XXXX, 2019 I reached out to each bureau XXXX XXXX XXXX  & Equifax ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

Shell closed my account ask charged off in XXXX and it has been updated on my credit report that it was charged off in XXXX and I have a 180 day late payment from XX/XX/XXXX. Incorrect reporting. Shell/ CNBA has updated my credit report AFTER the account was charged off with late payments. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile with updated late payments. Please send me any forms or documentation showing that you have the right to report this as a debt currently. If you are not liable to do that please remove this account from my credit report immediately.
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CO)

I purchased a Condo in XX/XX/XXXX with XXXX financing. In XX/XX/XXXX, the complex sustain major fire that condemned my section due to asbestos spill and again in XX/XX/XXXX and displaced 50 % of the complex. In XX/XX/XXXX, I file an application with loss mitigation for 6 month forbearance on my payments. It was approved in XXXX. I have proof of approval via two letters by XXXX. In the months that my loan was in forbearance, XXXX reported to my credit report late payments for the months that my loan was in forbearance ruining my credit by over XXXX points which has cause stress and accounts to be closed. They have even send my loan to collections. I have contacted the XXXX for the last month asking them to fix this but nothing has been done as of now. I have that documentation to prove my case.
Consumer complaint received 2017-05-30
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: NAVY FEDERAL CREDIT UNION (FL)

Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office.
I have no knowledge of this account. I have never received any information on this account to my home.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My credit score recently declined with Equifax. From XXXX to XXXX. I used a line of credit that was already open to pay off other higher accounts. They apparently saw the increase on one side but have not recognized the subsequent decrease and immediately dropped the score. The amount of credit used did not increase only shifted to another lender.My attempt to get thru to a live person to go over this has been useless, and they tell me that NC is not a state I can get a free report in via the automated system I have tried to connect with a human on three occasions and that option is not available.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank in XXXX XXXX is ridiculous when you try to use your debit card for an ATM withdrawal from a non Chase bank. If I go to a non Chase bank I get charged $ XXXX then Chase charges me another {$3.00}! Thats absurd! Not to mention, the major lot of Chase banks in XXXX XXXX do NOT have a teller machine. To make matters even worse Chase has vestibules BUT you cant even use the vestibule after banking hours XXXX. What a joke. EVERYONE IS WORKING FROM XXXX! This past year alone Chase has charged me an additional {$200.00} just to use my debit card? Thats wild and I will be closing this checking account.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (PA)

Credence is attempting to collect a {$670.00} debt from XXXX XXXX. I was receiving XXXX XXXX service from XX/XX/2018 until XX/XX/2018. The service was so terrible that I terminated early. I was not receiving the channels that I was paying for and was not receiving reception on a regular basis. Due to not receiving the service that I was paying for, I cancelled. I made multiple calls to XXXX to rectify the issue. I was met with long hold times, told to call back or hung up on by XXXX 's service team. Scheduled service calls resulted in my missing work for technicians that never appeared. Due to this, I stopped service. XXXX then tried to charge {$670.00} for terminating early. I did not receive the service I was paying for and had no choice but to terminate the contract. This debt should not be owed.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

I have been banking with SoFI for about a year now. I received my direct deposit from my job of roughly {$1500.00} last night like I have been every other Wednesday/Thursday for the past year and when I attempted to send my roommate money for my bills I got an email saying my account was restricted. When I call them I am repeatedly told they have no idea why, no update on the status, no direction on what I can do or provide to fix this, and 2 of their people even hung up on me even though I wasn't rude nor did I raise my voice/become belligerent. I am in danger of being homeless if I am not able to reach my funds.

Direct Deposit + Account frozen on XX/XX/28. 

I have observed that this has been happening to plenty of other people as well via various Social Media platforms, and I refuse to be another one of those people sitting by while this company steals my money. I am already seeking a lawyer because they think we don't have access to legal resources to fight for what's ours- we do.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

My Wells Fargo credit card has a spending limit of {$500.00} I recieced notice that my account is in the negative by {$750.00} making my total due XXXX I don't understand how my bull came out to be som much I have not used my card in a year and now I am getting threatened with collections. It is impossible for me to spend more than my allowed credit amd believe that I am being targeted by Wells Fargo
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

Ive been only the phone with customer service multiple times Ive been hung up on twice my card has been locked for unknown reason I am XXXX  I have XXXX XXXXssues I cant pay for my medication thats XXXX threatening because they are holding my money I submitted all my documentation 4 times calling to check I was told two days the lock will be removed nothing I am getting very XXXX  each and everyday I dont have my medication I cant pay for because they are Refusing to remove the lock
Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (OH)

I recently switched 100 % of my payment transactions to paypal. On XXXX XXXX my account was limited. They asked me to verify information and I did and the limitation was then limited. On XXXX XXXX another limitation was added again asking me to confirm my information, I did and again the limitation was lifted. On XXXX XXXX once again my account was limited asking me to verify additional information which I did and the lifted the limitation and then added a rolling reserve to my account. I was told that it would have a 18 % rolling reserve added to each transaction for 60 days but would have a max. The max withheld amount was never provided. It is now at in excess over {$12000.00} withheld of my funds. I have sent emails, made numerous phone calls and one person sends me to the next and I am not getting any answers other than being shuffled around. I did reecive a personal email from a paypal represinative that I spoke to for a lengthy time stating he spoke to someone and they denied to release the funds. I find the amount of money they are holding to be more than excessive and abusive. The release schedule has not worked by providing me with any information, I can not speak to anyone that can help with the extreme and urgent matter. Furthermore the money in which they are holding over {$12000.00} currently is not back by the FDIC. I want the funds released. They have no rights to my funds or to hold them and not so much as be able to respond to me or provide me with accurate information.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

Received notification with my bill a few days ago that my apr was increasing to 23.4 % and penalty apt to 29.99 %! I spent over an hour with 3 different individuals at the credit card company. None of them was helpful and they passed me on to another number, which said they would not speak with me unless I gave me a copy of my credit report, I have had this card for 40 some years and ordinarily pay my bills in full. I suspect Im being penalized by them for a dispute for a partial balance with a mover. Thats the only change on the credit report I looked up since I bought a condo in XXXX when I had a score of XXXX. 
I was always happy with this card-they would even thank me for my long term membership every time I called. Now they rest me like XXXX. Help!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (IL)

THE CONSUMER XXXX XXXX  STATES THAT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDITOR ACIMA DIGITAL FKA SIMPLE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORTING XXXX XXXX HAS VIOLATED THE CONSUMER XXXX XXXX RIGHTS UNDER 15 USC 1681 SECTION 602 STATES, THE CONSUMER HAS A RIGHT TO PRIVACY (15 USC 1681) (SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAQT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN FOR ANY PURPOSE!
Consumer complaint received 2018-04-30
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)

There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (GA)

I made a mortgage payment in XXXX, which they returned, causing my mortgage to get behind. I made the payment before I left the country on an educational sabitical. Which would have me out of the country for a month. Upon returning I found out they returned my payment, which has happened several times in the past. At the time of payment my bank account had well over XXXX in it. So there was NO way my payment should have been returned!! I have filed XXXX prior complaints against this mortgage company. They have a history of returning payments and making it impossible to submit payments. I want to refinance just to get away from this mortgage company. All this causes late payments on your credit, ending in the lowering of credit scores, which then makes you ineligible to refinance. They then offer loan modifications which cause the mortgage to be extended. 
Trapping you forever. This mortgage company already has a class action lawsuit against them in Florida. I am attempting to start one here in Georgia. I really need your help as I'm sure hundreds of others do as well. Thank you for your time and consideration.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (TX)

I used to have a bluebird by American Express prepaid debit card with this company under my married name. I recently got my divorce finalized and went back to my maiden name and instead of changing my last name. I choose to close my accounts and reopen them in my maiden name last name just in case they were linked to anything else. Just to save myself the headache. I even wanted a little bit before trying to open account under my maiden name to give the system time to close them and clear them. At this point I was still being denied. I spoke with customer support to find out why and the gentlemens never gave me a reason. But I never recieve a reason by mail why I was denied/not approved. If they need me to verify my name change I can provide that but they cant give me a number or email to contact to see how to get this issue resolved. I spoke to a department manager on XXXX and she couldnt give me answers just keeps telling me to register the card which the system wont allow me to do. I spoke to an employee about a week ago who told me I could get a card from XXXX and register it that way, which I did on XXXX and its still wont allow me online access. So now I have a card that I cant get my money off of.
Consumer complaint received 2020-02-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.