davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
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. (NV)

On XX/XX/XXXX an account that I had with my credit union was paid in full.

Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately.

I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX.

I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report.

I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back inXX/XX/XXXX
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

I am successor of interest on a loan with wells fargo. I suffered a Covid hardship and took advantage of the XXXX XXXX XXXX mortgage deferral and chose the option of having the deferred payments placed at the end of the loan 's maturity date as was my option from the very beginning. My hardship has ended and I began making my monthly payments since XX/XX/XXXX. I pay my own real estate taxes because as a senior I am allowed to pay only one half the amount. I am paid until XX/XX/XXXX. I pay my home insurance which is incredibly low because it is tied with my car insurance. I recently paid it for one year until XX/XX/XXXX. Wells is now giving me the run-a round and telling me as a successor of interest, I can not have the option I chose. They have asked for and I have submitted tons of documentation for months showing I can well afford to make the monthly payment. They never, ever stated that as a successor of interest I would be denied my option. They have sent me a letter stating I am in a loan modification program and they will escrow my taxes, etc. I have called and called them and get nowhere. They have lied to me and are not abiding by the FHFA, CFBP and even the White House rules. 
They spring this on me now? And they are defying the federal rules.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021, I requested that my account be closed because of a lost card. Since then, the bank has failed to provide me with statements for the account, online access to the account history, information on reward points associated with the account, and charges and payment made on the account.
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: EQUIFAX, INC. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF MY CREDIT REPORT.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (CA)

The deb collector is trying to collect monies not owed. All monies owed to the City of XXXX XXXX Fire Department has been paid. I have requested the collector agency to remove my information from their system and they have refused. It appears my information was given to them in error while I was in a Low income program waiver process, appeal and under a installment payment agreement. This account has been paid in full to the City of XXXX XXXX.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (MI)

We are trying to get our mortgage modified but they want money up front. My mortgage has been bought and sold so many times, I'm not sure who holds the note. I am disabled, I put {$100000.00} down on my home. Now they tell me my home is worth {$80000.00} less. I need help. I want to keep my home, we have been here 20 years. Just a payment to fit my ssdi. They do a modification, bam my payment goes up. No help, should I sue these companies? 
Thank you, XXXX XXXX
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX # XXXX
Consumer complaint received 2018-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

As of XX/XX/XXXX, the total balance due for my student loan, then held by XXXX, was {$6700.00}. A check was sent to pay the full balance of the 2 loans held by them. They sold to XXXX, then was sold to XXXX and finally to Navient, Loan When logging into my account today at Navient, their records show that they didn't even show the payment sent to XXXX in XX/XX/XXXX, as being applied in XX/XX/XXXX. I can no longer log into my XXXX account, to even try to go back to my documents that are supposed to be secure online. I was told that all of my loans had been consolidated when XXXX took them over. I only have screenshots of my account. I do have my last paper statement from XXXX XX/XX/XXXX, before my loan was sold, and it clearly shows there was one loan with a loan type of CON ( consolidated ), with a balance of {$10000.00} at an interest rate of XXXX. 

I want to know how paying a loan off in full in XX/XX/XXXX, led to an additional balance of $ XXXX. I emailed them to explain that the loan has already been paid in full. After repeated emails and calls telling me they would not correspond via email, I finally called Navient today. After arguing with the agent " XXXX '' from Navient, and not getting anywhere, I paid the balance in full online. This is just one more example of how Americans are being abused by these loan service companies, with no one to represent us.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I received a letter from XXXX and XXXX claiming I owe a debt that they never validated nor did Portfolio Recovery Associates. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
Consumer complaint received 2018-11-26
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. (NV)

I have submitted a dispute through Experian about my report ( XXXX ) with XXXX XXXX. I payed off my account with them after a month ( XX/XX/2017 ) and left due to persistent technical issues. I transferred my number to another company at that time. When I contacted Experian about the issue again they said that XXXX does not have to provide any evidence showing I still have an account with them. Right now it is showing nonpayment for a time period that I have not had any business with the company. I am unable to dispute it further on there site since XXXX has said it is valid without any proof of me having business with them.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

XXXX XXXX XX/XX/2019 phone call from ( XXXX ) XXXX in regards to a complaint filed against me for a unknown reason XX/XX/2019 phone call from ( XXXX ) XXXX phone call from the same Fake collections agency. I finally got to speak with these people, they wont provide me with a actual address, reference number or account numbers.. XXXX   told me that Capitol One was the credit card company that sent me to collections and that if I didn't pay my bills its my fault they are calling me. XXXX hung up on me so I called back and asked to speak with her manager, they put me on hold to speak with XXXX XXXX who works with XXXX. 

CAPITOL ONE data breach is the reason why these people are harassing me. 

XX/XX/2019 I spoke with Account Specialist- XXXX @ XXXX with capitol one and she stated my account has a XXXX  balance and paid in full and currently closed
Consumer complaint received 2023-06-07
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. (SC)

I have disputed this account : XXXX XXXX  XXXX ; they are reporting information which isnt accurate and it should be removed immediately from my credit report according to law. 

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 2018-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank after I noticed there's is fraud payment from XXXX pal account and I report as a fraud by my ex wife she left me for to get benefit from the government after I found out she married to me to get green card she left XXXX she is full of range of fraud and identity theft I closed my account in XXXX than they asked me to open saving account after few months of business I found out they steal my money and closed my account and I found out they open account for my wife XX/XX/XXXX without any problems and they knew she is not a USA citizen and not allowed to open account no is card or passport or authorized all she got fraud name and fraud s.s.card and falsification documents and fake date of birth with my money she opened account and they closed my account i already tell them about her fraudulent activity and they refused to give my money back and even they don't want to open my account back
Consumer complaint received 2018-11-26
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. (OH)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately 1.XX/XX/XXXX XXXX XXXX 2.XX/XX/XXXXXXXX XX/XX/XXXX # XXXX 3.XX/XX/XXXX XX/XX/XXXX # XXXX
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

I sold a pewter tea pot in XXXX for XXXX I did everything right I mailed it the day after the sale, he received the tea pot and everything was fine he let XXXX know he received the tea pot in good condition. XXXX said I should have my money by XX/XX/XXXX pay pal kept it in pending status for 3 weekss. I made numerous calls to XXXX and pay pay to find out when I was going to get it my customer has the tea pot in XXXX and I have no money mean while XXXX wants paid their XXXX commission and I still dont have my money I told them I will pay them when I get my money. Finally XX/XX/XXXX pap pal says my funds are ready I called pay pal to see how to transfer it into my checking account a fellow from pay pal walked me through it so I thought I was done and would finally have my money 15 minutes after I did the transfer I get a email from pay pal saying they are are placing my funds under review and its on hold for 48 doesnt say days weeks or years if it passes the review they will release my money, so my money is now sitting in pending again. I called pay pal and a fellow said he would see if he could over ride it well he couldnt this was my first and last experience with them. I just want my money I was suppose to go on vacation and planned to use that XXXX. I have spent so many hours trying to fight for my money
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-12-05
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: Mercedes Benz Financial Services (MD)

I reach out to all XXXX credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

My credit report showed a credit inquiry from the XXXX XXXX XXXX XXXX XXXX hard inquiry XX/XX/21. I did not apply for an XXXX so to me thats fraud on my report I also made a police report about this
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately
Consumer complaint received 2018-11-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank is allowing ACH debits to run my checking account to negative balances despite my refusal to have my account overdraft and would debit my account first and then post my electronic ACH deposits secondly in order to create more overdraft fees. I have specifically disabled overdraft protection on this account and this has resulted in NSF fees on several drafts the past 4 plus weeks starting on or around XX/XX/2018 running through appears to be well over {$220.00} or approximately 7 separate NSF charges on my account of {$36.00}. This is unfair and dishonest banking and I have contacted my local branch manager XXXX XXXX and she refused to help me.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Bank Of America erroneously reported an account as fraud due to fraudulent actions in my behalf. I immediately contacted Bank of America by calling the customer service number to get an explanation and to gain clarity as to how this account were notated. After being on the phone for over 1 hr and 30 minsI was able to speak with XXXX in Risk Mgmt how advised me that my concerns were valid and she did see an error on their behalf, so when I was transferred to the Risk Recovery Dept O spoke with XXXX XXXX who also seen the error and not only removed the account but also cleared out a balance of {$11.00} on a XXXX account where I was also charged in error. Bank of America failed to advise me that they were closing the account and also failed to provide me with reasons. After speaking with XXXX and XXXX XXXX was transferred back to customer service and I asked for a copy of the notice they claim they sent and was denied. They stated that although I had been transferred and seen the notes they were not able to verify me and therefore could not provide me with anything nor could they contact EWS to advise of their errors causing this error to remain on my consumer profile. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX with no transactions.
Consumer complaint received 2018-10-08
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: Equidata, Inc. (VA)

I sent in a letter to have XXXX to remove collection items reporting because these items were not accurate. They never responded to the request sent however, they did update the file to remove the Name of the collection company and list it has a zero balance. Along with my letter I sent them supporting documents were these accounts were paid directly to the original creditor XXXX XXXX Hospital. I also received documentation from the original creditor that payment was received and excepted. I contacted them by phone on XX/XX/XXXX at XXXX XXXX  to ask them to explain the reason for reporting with no Company Name and balance and who was the company. They told me the company name was XXXX XXXX. They stated that the company verified this item belonged to me. Well I requested them to send me how this item was verified for the second time. This error in reporting is Defamation, Negligent Enablement of Identity Fraud and VIOLATION of the Fair Credit Reporting Act. 
,