davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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: LEXISNEXIS (CA)

LEXIS NEXIS keeps hanging up on me when I call to request their consumer report file they have on me. 

The last call I made to LEXIS NEXIS on XX/XX/2021 - XXXX provided the verified address on my driver 's license - which they claimed did not match their system. 

I am very concerned LEXIS NEXIS is, allegedly, defaming and misreporting information in my consumer report file - which is causing credit declines and adversely affecting my ability to do business. 

I request LEXIS NEXIS either provide electronic access to my report or, in the alternative, mail my report to me : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX If LEXIS NEXIS continues to refuse to provide me my consumer report in a reasonable time- I shall take all appropriate legal action per Fair Credit Reporting Act.
Consumer complaint received 2021-12-06
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. (NC)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Hello, Started receiving calls 2 days ago from a supposed law firm called XXXX XXXX  XXXX. They are claiming to be a law firm threatening to serve me today over a debt from an account that hasn't been used since 2010. They are claiming I owe XXXX on a debt to HSBC bank and last activity on the account was 2010. Statute of limitations in NY is 6 years and I believe the same in Ohio. I'm almost a decade past that. 

Man on the phone essentially claimed officers were on the way to serve me if I didn't agree to pay them the full amount today. After doing some research is seems this company makes similar threats to others. 

I was sent an email from a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

I applied for a credit card that I was said to have outstanding approval odds for through discover it, upon applying for the card I was denied for " insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I have XXXX other cards that all had no issues with my credit age and even a mortgage that didn't have any issues with credit age, yet they do, but can not tell me how much I would need. Discover needs to stop this discriminatory business practice and evaluate credit applications fairly, I have 100 % on time payments on 3 credit cards, a mortgage, a fully paid off personal loan, and a car loan.
Consumer complaint received 2021-12-06
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. (TN)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  NV ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$590.00} Repossesion : XXXX  XXXX Balance : {$9200.00} Chargeoff XXXX  XXXX Balance : {$2800.00}
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (VA)

Creditor is reporting accounts that are invalid and unverified. 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 2019-08-27
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-04-03
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: Onity Group Inc. (WI)

I have an ongoing problem with our mortgage company XXXX ( XXXX XXXX which has been going on since XXXX. I had filed a XXXX XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX XXXX. 
Since my XXXX XXXXXXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to XXXX XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and Experian, XXXX, XXXX  saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I consolidated my student loans into one loan over 10 years ago through XXXX. XXXX reported my consolidated loan to all the credit reporting agencies as one loan. 

XXXX acquired my loan from XXXX around XXXX-XXXX-18. I recently applied for a home mortgage and was surprised to find that XXXX is reporting my consolidated loan to all credit reporting agencies as two separate loans even though my consolidated loan is under one account number with XXXX. XXXX has both loans under one account number, XXXX. I make one payment. 

I contacted XXXX many times requesting that they report my consolidated loan as one loan. They are refusing to do that. They also are refusing to tell me they policy or law explaining why and are refusing to send me an explanation in writing. 

By reporting my consolidated loan as two loans my credit scores have suffered and it has had a negative impact on my credit and almost prevented me form acquiring a home mortgage.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC. (AZ)

1800 LoanMart fraudently obtained a loan against the title of my XXXX XXXX XXXX. I do not know who obtained the loan but my information was used illegally. I had first notified loanmart of this theft in XX/XX/XXXX. A police report was then filed in XXXX of XXXX after every attempt to contact the company went unanswered. All police reports have been sent to the company multiple times. The car was stolen and a felony assault charge was placed on the repossession agent in XXXX. Again, police reports were sent to the company and all answers to have the vehicle returned were left unanswered. 

Requested information including police reports, ID and affidavit of identity theft were sent again via email to XXXX XXXX on XX/XX/XXXX the 5th business day after a letter was sent to me disputing the claim of identity theft. 
I have requested all the information that was used to obtain this loan and the documentation with a wet signature but have not been sent anything. I was told previously by a detective with the XXXX Police department that whoever obtained this information and loan did it all electronically. 
The information reported to the credit bureaus is fraud.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union bank charged me around {$120.00} worth of over overdraft fees. They charge two separate fees for the same overdraft. {$33.00} plus {$6.00}. All due to the monthly charge they billed me for ( {$10.00} ) because I was on XXXX and not receiving regular direct deposits from my job ( which I was not informed I would be charged the fee and I have had my account since 2016 and went through periods without direct deposit and never had to pay before ). One {$25.00} payment ( which I was depositing the money until I saw I was negative {$10.00} that night and could not speak with a representative until the morning ) and a {$10.00} monthly fee, cost me around {$120.00}. They submitted this payment 3 times. I think this place is the greatest public agency established to date. I actually wrote a letter to Mr. XXXX about XXXX XXXX doing this when the CFPB got started. Shortly thereafter, his team ( all of you, thank you for your service ) investigated and XXXX XXXX wound up in big trouble. What Union Bank is doing is wrong and they should be punished just like the other financial institutions.
Consumer complaint received 2018-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (WA)

IM EXPERIENCING THE FOLLOWING ISSUES ; ; ; - LACK OF ONLINE & MOBILE SERVICE ACCESS - LACK OF STATEMENTS - REJECTED CHECKS ( WITH FUNDS IN ACCOUNT ) -LACK DEBIT CARD - LACK OF CREDIT CARD - LACK OF CORRESPONDANCE ( APO/ BARCODE LOCATION ) - LACK OF RESPECT & HONORABILITY DURING TRANSACTIONS OF COMMUNICATIONS
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX My visa was charged in the amount of {$220.00} from XXXX and {$1900.00} from XXXX vacations. I was assured by a Representative, representing both that the above mentioned charges did not go through and would not be charged. 
I have attached a letter that I was requested by visa to write being as detailed as possible as to why I was reporting this as a fraudulent charge. This letter was date XX/XX/XXXX on the second page in the letter I stated I called visa on XX/XX/XXXX, that date was incorrect I originally called them I believe on XX/XX/XXXX to report this charge as fraudulent after an exhausted effort to resolve with the original website XXXX. Since this letter was sent to Visa via their website, I have been on the phone with them repeatedly trying to get this resolved. Visa keeps passing me from the fraud department to the merchant dispute department ( passing the buck within the organization ) The last conversation I had was yesterday with XXXX who was a supervisor of merchant dispute ( keep in mind I was transferred I believe three times from one department to next and back again ) he refused to give me his last name and also refused to escalate the call to his superior. He stated he could not do that and could not remove the charge. He said someone would call me back its been over 24hours and I have not gotten a returned call. 

Please note the {$220.00} has been removed as of this date but the other charge has not. 
The letter I received yesterday said that its possible it will reappear.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

I have 2 accts with LVNV funding. One for {$440.00} and one for {$120.00}. They are reporting that these collections are OPEN accts which is not under FCRA compliance in being a collection acct. This is inaccurate and needs to be immediately removed from my report. Also I would like a copy sent to the address listed on my report as soon as you remove the claims. Thank you XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

I disputed a 1099 for {$480.00}, as I was provided one for a sign up bonus for a credit card that required ( XXXX XXXX, spend XXXX XXXX in XXXX months to receive XXXX free hotel nights ). This is in disagreement with IRS publication XXXX. This was recorded as case # XXXX. 

I received a letter on XX/XX/24 from Chase saying they can not modify my tax form. I called again in early XXXX to dispute again before contacting CFPB and IRS. I was told I would get a call within a few days, but never did.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (SC)

This is Extremely unfair and disturbing that I could dispute a debt and it continues to be damaging to my credit reports for years and years after Ive disputed. I reached a settlement amount and paid it ( receipt attached ). I was originally told by the customer service agent that a letter could not be sent to me of the settlement terms which was very deceptive. After paying the settlement amount, the account was to be deleted from my consumer report and it never was. Wells Fargo Bank, XXXX, doesnt have any right under Federal Law to continue to report accounts to the reporting agencies damaging the consumer reputation and credit worthiness. Again, the Wells Fargo account and erroneous information noted is extremely damaging and this debt needs to be deleted from my consumer reports immediately.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Star Loans of Texas, Inc. (TX)

This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (TX)

I am writing to express my deep concern and dissatisfaction regarding the exorbitant interest rate of 24 % that was applied to my recent car loan with your institution. This rate significantly exceeds industry standards and is unjustifiably high, placing an undue financial burden on me as a borrower. 

When I initially applied for the car loan, I was not made aware of the excessively high interest rate that would be imposed. The lack of transparency in disclosing this crucial information is unacceptable and has resulted in severe financial strain. 

I urge you to review the terms of my loan agreement and reconsider the interest rate applied. A rate of 24 % is unjustifiable and goes against fair lending practices. I request that the interest rate be adjusted to a more reasonable and competitive rate that aligns with prevailing market standards. 

I trust that you will address this matter promptly and provide a satisfactory resolution. Your cooperation in rectifying this issue will be greatly appreciated. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2021-12-06
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (ME)

Submitted a dispute through XXXX. Account appears twice on my credit report, one under XXXX and again under Truist. Both accounts show charged off with the same account number and balances owed which is correct. Tried to get one of them removed through the dispute process but Truist and XXXX refuse to do so. Contacted Truist by phone and they said there is nothing they can do about it and I have to deal with both negative accounts until XXXX. I didnt realize that a company can switch names and report to the credit bureaus twice for the same account.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc (PA)

Calling to collect a debt from a completely unrelated person. Called both my father and I numerous times. No responsibility for this debt calls should have never been made to my place of business or my father. Unprofessional and harrising. Unbelievable!
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I got served for this debt in XXXX, my nephew was handed paperwork for a judgment. This is when I became aware of this debt with Bank of America. I spoke to my Attorney XXXX XXXX and he agreed to represent me since I had no knowledge of this account or use. When we went to court someone from Bank of America was there to represent them and showed me an itemized bill for how this CC was being used. There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They compared my signature with the one 's Bank of America had and they were completely different. When the representative from Bank of America ( XXXX XXXX ) testified she came to the conclusion that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. After showing all the evidence the judge and BOA agreed to dismiss this debt. However, When I tried to apply for this home loan this year this account is still appearing on my credit report.