davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (GA)

My husband and I received a credit alert about an account hitting our credit. The account was for XXXX XXXX. The account showed no details, just the business name and number. I called the number listed and spoke with a rep that said the company had received numerous calls about items about credit reporting issues, and that the manager was addressing them. She then forwarded me to the manager, XXXX XXXX. I left him a voicemail along with the reference number she gave me. I didn't hear back. I emailed XXXX XXXX a total of three times, no response and left 2-3 messages, no response. I explained in my email that I was not aware of this account and wanted the details of the account. I further advised we have not received any information about this account, anything showing an amount due, date, due NOTHING. I have had no interactions with this company, prior to this credit alert. I reviewed my credit report on XX/XX/XXXX and did not see the account, to dispute however I had my credit pulled by a credit servicing company who advised the debt is still there. I emailed the manager at XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX to no response. I left a voicemail on XX/XX/XXXX and XX/XX/XXXX. We have NOT received any documents via mail reflecting this debt NOTHING. I advised XXXX XXXX I would be filing a complaint on XXXX if information was not provided to us for the debt, and still no follow up. There are two accounts being reported, based on what the credit servicing company noted, one for $ XXXX and one for $ XXXX. It appears to be for equipment lease. My husband and I had a trucking business that went under due to the economy. We returned the vehicles as the company refused to allow us to sell them. The last interaction we had with the company, XXXX XXXX XXXX, was XX/XX/XXXX. We received a letter stating the vehicles would go up for private sell on or after XX/XX/XXXX. We have not received documentation showing they were sold, what they were sold for, what the outstanding balance was, nothing. We have not heard anything from XXXX XXXX since the XXXX letter, and nothing from this company XXXX XXXX, therefore we don't know the legitimacy for these accounts.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (PA)

XXXXXXXX XXXX ( XXXX ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (MI)

I've been receiving several calls per day ( see attached screenshots ) from Sequium Asset Solutions , LLC ( http : //www.sequium.com/ ) who are using a telephone number spoofing service to appear that they are calling from my area code ( the area code for my phone is XXXX, which is the XXXX area of XXXX XXXX. They are based out of XXXX, and even admitted to this while I was in communication with them. The last individual I spoke to from their call center, likely outsourced to XXXX, had a very thick XXXX accent and claimed his name was " XXXX XXXX ''. They do NOT have prior permission to call my personal phone number, nor have they ever received permission to call my personal phone number. 

While I am from XXXXXXXX XXXX, I currently live in XXXX and have been living here for several years. My current number is a rather new number and I have no contacts ( including family ) from the XXXX area nor anyone from that area who has my number. As you can see from the screenshot provided, the spoofing algorithm from whatever likely illegal service they use for this sort of calling is rather lazy and there is little variation in the spoofed numbers they call from. 

You may contact me for more info.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (UT)

I sold my car to a dealer they contacted chase auto lending ( XX/XX/21 ) to ask for a pay off amount which was {$44000.00} I was told of XXXX XXXX ( new car dealer ) sent the full amount of sale {$63000.00} the excess would be credited to my checking account in less then ten business days. Chase revived the check XX/XX/21. I contacted chase on XX/XX/21 and was told they had not received the check, I then went into the dealership to ask for information as to when the check was sent and a copy of the check as I was talking to the accounting department chase called them to verify the amount was correct and stated they would deposit the money in my account there next day. The money never arrived in my account I again called chase auto loan and was told because of the amount of the refund {$18000.00} they had to send a check ( XX/XX/21 ). I again contacted chase on XX/XX/21 because I had not received the check and was told they had placed an additional ten day hold on the check which expired XX/XX/21. After talking to a supervisor I was told she would contact their back office about getting the money released faster due to the fact it had already been under a ten day hold and I would receive a call back to confirm also that the check would be send XXXX. I never received a call back and the check never came so I called again XX/XX/21 and was told the funds have not been released because the back office hasnt signed off on it yet and they dont know when it will be released off who I should talk to. I was also charged interest for the ten days they had a hold on the check and was told my refund is now {$18000.00}.
Consumer complaint received 2020-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WA)

This is so frustrating, IC Systems clearly understands my request for VALIDATION OF THE SERVICE ADDRESS. However they continue to only provide me a customer account ledger that does not prove that the service was at my address and is usually produced after service is connected to that particular address. Providing me a copy of a simple work order from the account would show the address and prove this is not my debt. I have requested this information NUMEROUS times and told them numerous times that service was not at my address. Next step will be a law suit for falsely and knowingly reporting and continuing to report a debt that I have disputed was not mine.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed a flaming of {$1900.00} because a package not delivered saying it was delivered. Its been past the 120 days almost 180 days now. Ive called every day since I filed a claim because I never got my package. Since the beginning the consumer Shouldve asked for the signature that was supposedly signed at the door. Not the merchant just sending dates and numbers of when it was delivered because when it was delivered it showed that someone signed at the door. Every time I call again they say the last agent gave Miss information but its all lies. When I called the most recent time they said they got information saying someone signed and that it was XXXX XXXX which doesnt make sense since its supposed to be a signed signature of my name.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: DISCOVER BANK (CT)

Discover Bank has sent some convenience checks back in the years ( XXXX or XXXX ) l when discover credit card was opened for first time approximately in the year of XXXX in the amount of {$10000.00} or more was issued to the contractor in-between the year of XXXX. I have used that convenience check for home repair - ( finishing the basement ). XXXX took the full check amount - and did not complete work at my residence.I personally do not have any receipts from back than- due to convenience check goes to Discover Bank- & that balance was paid through one the mortgage company ( XXXX XXXX  ) which was refinance to paid off the balance in XXXXfollowed by XXXX XXXX XXXX. 
Many family circumstances for hardships and struggles during that time - I have not took any further steps to resolve the fraud- On today 's note- I wanted to start these hope for furthering the investigation on these details- due to many other situations to clear for clearing the finances. 
I have not contacted discover card due to outstanding balance-that I owed to them- which they have brought into the court case- on XX/XX/XXXX. 
Since XXXXMyself had went through many many other financial hardships due to loss of income- family changes- along with the World Pandemic Lockdown in XXXXAs of today 's date of XX/XX/XXXX ( Monday ) many other areas are not completely stabilized due to many other reasons. I am receiving support from department of social services - such as medical & energy assistance.
Consumer complaint received 2022-10-12
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: NAVY FEDERAL CREDIT UNION (FL)

In addition, I, XXXX XXXX, consumer, aware that its not one law where its required to report my credit card utilization. This is officially notice to Navy Federal Credit Union to respect my privacy rights as a member, customer, and consumer to honor my request in regards of this notice to Opt out of Reporting timing of payments and Utilization. Thank you, best regards. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Consumer complaint received 2021-12-10
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)

I have made several request for Experian to remove a number of items from my consumer credit report, Experian has refused to remove a number of my request. Experian removed a few of the items after not being able to verify them. I am still struggling with them about certain items. I recently sent proof of my identity theft report as well as the laws stated/backed by FTC about removing/blocking items at the request of the consumer who is a victim of identity theft. I will submit my proof here as well as I am seeking my fair right as a consumer to have these items removed. The items are XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-10-12
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. (PA)

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through crXXXX XXXX XXXXnd XXXX not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! Experian shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company has placed over 4 different accounts on my credit report that are causing extensive damage to my credit report but have yet to send proper documentation to show these accounts rightfully belong to me
Consumer complaint received 2021-04-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

To : Consumer Financial Protection Bureau Re : Complaint - ShellPoint/NewRez Mortgage The following statement serves as an addendum to the attached complaint ( doc ). 

As the closing deadline has passed, we are now faced with a fee of {$1200.00} to extend the rate lock with XXXX, which is now an additional expense coupled with the unwarranted late fees imposed by ShellPoint/NewRez. Following a review via ShellPoints online portal, they applied our overpayment for the month of XXXX by assessing another late fee despite being told that the payment would not be late if made by the XX/XX/2021. This too was a result not being fully informed regarding XXXX payment as we were in the process of a closing date. This situation has presented us with a significant loss of thousands of dollars in savings, by the unfortunate actions and inaction of ShellPoint/NewRez. Subsequently we have lost the opportunity for our VA IRRRL. 

Our current mortgage rate with ShellPoint is 3.5 % and new IRRRL was locked at 2.875 % with XXXX. 

ShellPoint also delayed acceptance of the electronically signed Borrowers Authorization Form, informing the title company that the e-Signed request was not acceptable ; the hand-signed copy was subsequently accepted, thereafter. There were response time delays as well. 

This is truly heartbreaking and unacceptable behavior from a financial institution. As a veteran, I served my country, live a life of integrity, pay my taxes and bills. My wife and I are justified in forecasting a future with reduced debt via the now missed opportunity for an IRRRL. The adverse impact to my credit rating is unjust. This experience with ShellPoint/NewRez is suspect regarding the timing - as we were on the cusp of closing with XXXX. 

I have included a 1 year ACH payment history demonstrating on-time payments. 

XXXX, XXXX XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MI)

Last week I picked up my phone and and Credit Management was on the other line informing me of a debt owed, It was for a charge out of Texas ( I live in Michigan ). It was for a charge that was in collections from a XXXX XXXX that was opened online with my name and SS #, I called put in a dispute and opened a file number. Yesterday, I received another call from Credit Management indicating that there was another charge from XXXX XXXX for {$1800.00}. They gave me account numbers, addresses of the residence and I have reported all to the police in TX. I am leery of credit management because how did they get my number if another number was associated on this fraud account? I am dispute of all charges and have put a freeze on my accounts and notified the proper parties of identity fraud. These have not hit my credit report but this company calls me daily. I understand my name is on the dark web and I am trying to secure my credit.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

My loan was transferred to Nelnet recently so along with the atrocious onboarding or transfer... meaning I couldn't get any info of when or how. My loan finally transferred and missed my first payment because I coudl n't get a hold of someone. I'm now in my second month of repayment and need a few easy things updated... .my address and payment date and have now called a total of five times to do this simple task. I can't talk to anyone about my loan because they don't have enough agents to handle the influx of calls they are receiving during this transfer period. I cant wait on hold for 45 minutes to possibly talk to someone.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inhave sent the following information to my lender multiple time since XX/XX/2022 and no one will respond to me or fix my credit report : I am writing to appeal the decision not to remove the late from my credit report. We have provided information to show the 1 late payment in XXXX was a bank error and not for lack of funds. I own a law practice and this late will have enormous financial consequences for me. As a trusted client, I would hope that my lender would make the right decision in this situation./ If there was ever a reason to make a correction to a credit report of one of your customer I would think this would be it. Please let me know what I need to do to appeal or re-request consideration. I will not cease my attempts to correct this until the right thing happens. Theres too much at stake and it is just not right.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (FL)

Consumer Portfolio Services is deliberately reporting false and defamatory information on all three Credit Reporting Agencies. False and malicious information is being reported and I have repeatedly tried to clear this up with the credit reporting agencies and Consumer Portfolio Services.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (WA)

I was contacted on XX/XX/2021 in private number. They stated they were a XXXX XXXX representative inquiring about me opening an account and then also letting me know that they're going to shut the account down because of a company called early warning systems who continuously provides negative inaccurate information about me. Number two I have opted out of all shared information partnerships. I was told that early warning systems has provided a negative report against me to XXXX XXXX XXXX and XXXX XXXX. 
This is unacceptable this is a violation of my rights and privacy and illegal I currently have an open XXXX XXXX account. They're going to shut it down because of information that were early warning systems continue to give. 
I have called early warning systems as early as My at 2021 and as recent as XX/XX/2021. 
I have been required to make an account just to get a credit report and I'm still waiting for the credit report from when I requested it back in XXXX. The three credit reporting agencies XXXX XXXX and XXXX none of them have any Bank on my credit file. The only two items on any of my credit reportings are for XXXX and XXXX XXXX. Early warning has gone and caused so much that I can't get a bank account anywhere I can't get a stick of bubblegum financed any bank accounts that I have set up are all shut down any Financial activity I try to do to repair or fix anything that will early warning signs is done is denied because of the size of the fraudulent risk on my account presumably because of early warning. Please urge or require them to remove all account knowledge base activity from their system they're not authorized nor did I ever give them authorization finally they're not a credit agency they are a shared consumer reporting group which I did not authorize. 

Furthermore more than once I have tried to dispute any transactions with early warning and again although they have never given me a report they require in order to dispute a transaction I report must be delivered yet they don't give me the report. Again this has been going on since XXXX of 2021 it is well past the 30 days that's allotted by the government for them to remove any disputes or negative items against my credit that they can not prove please urge them to do so. 

Please help!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am attaching details my score should be XXXX they need to stop lowering my scores and finish removing all the fraudulent information off my report which is not suppose to be on there they are not complying with removing fraudulent accounts