davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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 — Investigation took more than 30 days
Company: U.S. BANCORP (NV)

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my US Bank account corrected with XXXX only. The accou nt was corrected with XXXX, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with US Bank.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

Experian is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again experian is sideing with this company but there provide any papers signed I believe thi is fraud helped by experian
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Machol & Johannes, LLC (WA)

I checked my bank this morning and this debt collector took XXXX dollars out of my account. I called the bank and they gave me the number of the collector and said that they had a court order. I never went to court. I dont have a job and Im still fighting with XXXX XXXX XXXX  over the work mans comp. There is no way to reach these people because it says the line is busy. the only income I have is childsupport.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MD)

Hello, Good morning, my name is XXXX XXXX and I have a credit card with navy federal for about 2 years now. In 2021 is all when the fraud started with this card. We have asked the company repeatedly to not share our card number or send it virtual in an email is it can be compromised. Of course they did do this and the card was used in XXXX and XXXX. My husband and I are showing almost XXXX of debt on there for 80 % of charges we did not complete we have tried to look at everything and go purchase by purchase but it is too difficult to identify which purchases we made vs. Fraud. We are seeking at this point a settlement amount and the account closed. This is not fair to us as the customers to have over 10 fraud obstacles. We have been beyond frustrated and exhausted all energy. But with a XXXX XXXX paying off for what others have used we will not be doing that. We have not disputed this or reporting most because as stated above we have no clue what some of these charges are. We have charges for overseas prices. This should be caught in the first place. As stated above we are seeking a payoff amount so this does not go to our credit for our future house but we will not be paying this unless there is an agreed amount.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (IL)

On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX  alert for a debt of {$250.00} from XXXX XXXX XXXX XXXX. The account number was not specified on XXXX XXXX but the original debtor is XXXX  Sterling Jewelers Inc. I am pretty sure the account is from Kay Jewelers. Kay Jewelers is reported to XXXX by XXXX XXXX XXXX later purchased by XXXX XXXX. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. 
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from Kay Jeweler Outlet initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. 
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.
Consumer complaint received 2019-11-17
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019, and XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding an inaccurate account on my credit reports from SYNC Bank/Amazon, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files immediately.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/2024 XXXX XXXX XXXX, Experian, XXXX Dear XXXX, Experian, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including. 
The information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 20 days before the payment due date. 
I NEVER gave You, XXXX, Experian, XXXX, OR XXXX  XXXX any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, EXPERIAN, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Consumer complaint received 2022-05-04
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. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX XXXX ( XXXX accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (CA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello I've been a customer with the Bank for 12 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached ... I have paid a lot in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is the worst!!!! 
An agent named XXXX deactivated my account by mistake today when I called to ask if my new debit card had been sent. she apologized for the mistake and put me on hold so she could get her manager to fix her mistake. 3hrs on the phone and 7 different " supervisors '' later. They told me they could not reactivate my account. It will take 3-5 days to resolve the issue but even then that account is no longer available. I will have to get a whole new account. So as of now I have no access to my account and no way to get any money out of my account. I'm sorry but what kind of company has an employee make a mistake and they are not able to fix it causing the customer a mountain of financial issues. I'm getting a new bank. I've never had a bank treat me with such a callous mentality.
Consumer complaint received 2022-05-04
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: BARCLAYS BANK DELAWARE (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creator may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-05-04
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. (TN)

I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by XXXX, Experian, and XXXX. XXXX, Experian, XXXX are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. XXXX, Experian and XXXX has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - Date last active - XX/XX/XXXX ( Experian ) XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

The only borrower for a loan died - his estate ( being handled by his step-son ) is trying to sell this home through a short sale because the loan payoff exceeds the value for the home. 

The loan servicer, Ocwen, is demanding that the executor assumes the loan to proceed with a short sale. Why would someone, who is not legally liable for a delinquent loan which exceeds the value of the underlying asset, assume it? This is bad!
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # 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 an account without my written instructions.