davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (UT)

US bankruptcy court in XXXX XXXX XXXX has wrongfully reported someone else bankruptcy on my credit report who has a similar name as mine. the inaccuracy is showing as a bankruptcy discharged in XX/XX/2011 on my credit and having a negative impact on my credit score. I have submitted documentation from the court to prove that it is not my bankruptcy and experian says that the people who reported the public record shows that it is accurate. which I'm sure the information is correct ... but its on my credit report not theirs. it needs to be removed off my credit report and added to theirs.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (SC)

I have advised Chime XXXX times that someone keeps changing my email and phone number thats causing me not able to login Chime asked me to send in my ID in my email address and phone number I did that XXXX times within one day but the situation continues to happen someone keeps changing my email and my phone number then Chime advised me to change my password I change my password over 12 times and the situation still is continue every time I change my password and look into my account my money is gone they have taken {$290.00} out of my account and they have taken {$320.00} out of my account that I work for on my job every time I call Chime they tells me I dont have an account and I advise them that my email and phone number keeps changing and thats why you can not find my account they are taking me through the mail about getting my account straight I shouldnt have to keep sending documents to prove that this is my account when I asked Chime to make knows that my email and phone numbers should not be changed at allThe situation still continue.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A credit card with capitalone which I had for 13 years was closed due to inactivity without warning. As this affects my credit score based on length of account history I requested that the reopen the card. They claim they can't and have been pushing me into new cards.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2013, and finished paying them off at the end of last year. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
Consumer complaint received 2017-05-30
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. (NY)

On  XXXX   XXXX ,    2017  I requested Experian to remove unverified accounts listed on my credit report. They stated in writing that my accounts was listed as " verified '' accounts. The following accounts were " reported correctly '' I would like to know where are the documents that Experian used to verify these accounts? What is the name of the individual, their business address, and telephone number. However, Experian sent me a letter dated,  XXXX   XXXX ,  2017 , starting that they refuse to reinvestigate. Please have them remove all unverified accounts, or sent proof of validation.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform. 

Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover. 

I've made it clear that I wasn't in the District when this account was opened, and when this card was used. 

Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ). 
-We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address. 
-Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ). 
-Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired. 

And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response. 

CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented. 

Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character. 

I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.
Consumer complaint received 2019-07-09
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: SUNTRUST BANKS, INC. (TX)

BETWEEN XXXX AND SUNTRUST I AM NOT REALLY SURE WHO TO BLAME AT THIS POINT. I AM VICTIM OF AN IDENTITY THEFT, FOR MONTHS I HAVE BEEN SENDING DOCUMENTATION TO BOTH COMPANIES TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I DONT KNOW WHAT ELSE TO DO, WHO TO COMPLAIN. PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED, ITS NOT MINE.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio recovery associates has harassed me for 2 years now off and on, i have tried to explain to them this is not my debt inXX/XX/2017 when they first started calling me, they call my cellphone 2 or more times a day everyday at all hours, they continuously mail me letters and for the second time they have placed a collection on my credit report. They are a horrible company and their employees are rude when i did try to explain to them they had the wrong person!
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XXXX merged with PHH Mortgage Service who has changed my mortgage payments again and again. I have filed several complaints before when XXXX was servicing the mortgage. This is the 2nd time in less than a year that the escrow account has been changed even thou the taxes and insurance has not. According to a letter dated XX/XX/2019 ( PHH Mortgage Services started servicing on XX/XX/2019 ) that the escrow account is a projected to be {$140.00} and my account will be charged an additional {$12.00}. Initially it was an additional {$17.00}. Each time the payment drops, the company finds a reason to add additional money. If you check your account in XX/XX/2019, I got a projected shortage also. I'm requesting a complete investigation of their records to see how they're robbing customers by claiming shortage!!!!
Consumer complaint received 2023-04-05
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. (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. 

Account name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC. (NE)

XXXX transferred two items on our cell phone account totaling over {$6000.00}. We had XXXX XXXX with XXXX come to Our house and do an interview. XXXX could not justify these amounts or how someone transferred money out of a cell phone account. The Nebraska XXXX Department gave us a case number. We returned all devices that were not owned by us with the agreement XXXX would unlock devices we had out right paid for and owned. XXXX never unlocked those devices and therefore the agreed amount of {$300.00} we did not owe or pay. They have since just recently damaged our credit with another amount of over {$1400.00}!!!! The collection source they have it to will not collect on this as fraud was involved. How do we get this Virtuoso collection mark off our credit now??
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I received an automated email from Freedom Mortgage notifying me of a potential breach of my account. 
I followed the notifications instructions and called Freedom 's customer service number immediately. 
The CSR did not understand the situation or my concerns and told me not to worry, and that I should just ignore it because it was probably an error. 
I asked to speak with a supervisor and was promised a call back the next day. 
I did not receive a call so I followed up in writing requesting an explanation of the situation and assurances that my personal, sensitive information was being adequately safeguarded. 
A week passed with still no response from Freedom Mortgage.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advantage Credit, Inc. (AZ)

There are a few XXXX Inquires on my account that I would like to dispute. I do not recall ever applying for these credit lines. I believe these are fraudulent transactions please be advise. The subject hard inquires are as follows : XXXX. Advantage Credit , INC - 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 Please instruct me on how to handle this matter.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

My complaint is with equifax credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a XXXX and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

this complaint is to be added the complaint number already in file XXXX I just called to see if any resolution and they are now asking me for {$7400.00} the loan was paid in XX/XX/XXXX ( 6 months ago ) they were to credit our impound account for the XX/XX/XXXX payment and they did not do that. so pay off was short like XXXX they keep trying to charge me XXXX per diem on XXXX dollars and late charges excess of the amount owed. they are crazy in XX/XX/XXXX they made some modifications to the pay off down to XXXX less impound account which should have been at XXXX at the time leaving a balance of XXXX but they didn't do that the pay off was good until XX/XX/XXXX see attached by on XX/XX/XXXX we received certified letter demanding 5000+ or minus see attached.
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

I was admitted to XXXX XXXX in XX/XX/2017. Documentation as to whether or not I received intravenous contrast dye was poor. Middle record records indicate I received the contrast dye after the procedure was completed. The radiology company administering the test identified an error in their medical record system that they have not corrected. Thus they can not prove objectively that contrast was administered except to look at the radiology films which they have not provided me in a readable format. Despite the radiology company having my correct address and telephone number, I never received any bills at my residence for this service. They then sent the bill to the respondent for debt collection. Despite having the correct address and telephone number for my residence from the radiology company and having access to my credit report, the debt collector made no verifiable attempt to give me a call by telephone or send me a letter. They claim that they sent me a letter via regular mail but they can not prove its being sent or being received. Despite having my correct address and telephone number and access to my credit file, The debt collector continue to call an unrelated individual with the same last name. After not receiving a satisfactory response or payment, they placed the adverse account to my credit report. This caused me to lose a high security job offer worth {$180000.00} in salary annually. 

If the bill is in the road, I would like to pay it. However I expect to be compensated for my damages as a result of the deck collector not providing me with the opportunity to dispute the debt in a timely fashion or providing me with any notice that a debt actually was owed.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have had my account charge {$35.00} over draft fee numerous times when I know I had enough money in my account. Latest over draft charges were on XX/XX/19 for 2 charges made on XX/XX/19 for {$7.00} and {$10.00} posted on XX/XX/19 leaving my account balance at {$10.00}. I then put {$20.00} of gas in my car leaving my account at - {$9.00}. As of XX/XX/19 I have a - {$79.00} balance. I had enough money in my account to cover the transactions on XX/XX/19. I did not have enough to cover the {$9.00} I went over at the gas station.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX DEPT OF EDUCATION ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. I HAVE TRIED TO FIX THE PROBLEM SEVERAL DIFFERENT TIMES. 

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. 

15 U.S.C. 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

I HAVE SUBMITTED MULTIPLE FTC REPORTS, I HAVE SENT IN SEVERAL DISPUTES. IF THESE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT I WILL HAVE TO SUE TRANSUNION {$1000.00} PER EACH VIOLATION ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT DELETED IN XXXX BUSINESS DAY I WILL START THE PROCESS.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CFPB CASE NUMBER XXXX THE CREDITOR DID NOT RESPOND TO MY COMPLAINT WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MD)

this is a garnishment from XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XXXX the judgment was filed XX/XX/XXXX the issue or matter was with wachovia bank which is now wells fargo bank and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is XXXX years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (NY)

I sold a large piece of shop equipment ( a XXXX XXXX ) through XXXX. The buyer paid by check for {$11000.00}, which including paying for the machine itself ( {$9500.00} ) and additional payment for disassembling the machine ( {$2000.00} ). I said to the buyer : " a check is fine but I'm not giving you the address of the machine or access to disassemble until the check has cleared. '' The check did clear in 48 hours and all funds were in my checking account and so I gave access to the machine so that the buyer 's disassembler could start disassembling / packing - and, as I had agreed with the buyer, I paid the buyer 's disassembler $ XXXX. Five days after the check had clear, Ally Bank " uncleared '' the check and took {$11000.00} out of my savings account, claiming that either the check was fraudulent or insufficient funds. Ally Bank claims it was my responsibility to ensure the check was valid - but Ally Bank 's own terms and conditions / FAQs, etc. place no such burden on me and in fact state the opposite : that funds from checks should clear within 48 hours unless Ally Bank places a hold for further diligence ( which didn't happen ). But for Ally Bank 's incompetence in clearing the check, I would not have paid the disassembler $ XXXX.
Consumer complaint received 2019-07-09
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)

I have tried to dispute a credit report error to Equifax, XXXX, and XXXX for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX  ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXX which an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score. You already removed one month out of the two so why was the 2nd one not removed?