davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed this item with TransUnion and ask for the contract to prove accuracy because with the information given on the credit report i can't identify the item and they response was that this item is accurate, though i did not received no contract. A item in the amount of {$1000.00} is being reported by XXXX XXXX XXXX on my credit report and i will like this item removed from my credit report.
Consumer complaint received 2019-09-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

The second week of XXXX I was a victim to a scam in the XXXX   XXXX area, and it was in the form of a job opportunity, I went to the place I did work and I was physically handed a check for working for this company. I worked for a month until I got my first check, along with that I gave them my account and routing number for direct deposit, and they told me I would start getting direct deposits for my second payment. The first way I got paid was through a check. I deposit the check and there was a hold on it, I believed it was normal. Then one morning I check my account, my account was negative {$3300.00}. I was on the phone with Navy Federal from XXXX to XXXX the next day and its not until a week later they finally made a fraud claim. A month goes by and finally the XX/XX/XXXX Navy federal calls me to tell me I would have to take care of the negative in my account and theres nothing they can do about it. Along with the investigation, I filed a police report and the people I was working for are nowhere to be found.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been trying to apply for a home loan so that I may purchase a home but when the loan officer tried pulling up my credit scores, Equifax had nothing to report. The loan officer said I may have a freeze in my account so I called to unfreeze it. I called several times and they claim they are unable to pull up my file and that I would have to send in documents to prove I am the rightful owner. I have sent those documents four times already and they are still unable to fix my account, they actually claim to have never received them.
Consumer complaint received 2019-09-15
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. (KS)

This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (PA)

I signed up for overdraft protection and the company is still charger me a fee for return check fee of {$29.00}. I was charged {$100.00} for overdraft protection fees. When I charged my card for XXXXXXXX XXXX purchase the funds was in my account but I still was charged XXXX per transaction because of the company process the transactions. I dont understand wht is protecting me cause I have all these fees
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Harris & Zide (CA)

Harris and Zide is aggressively attempting to collect on the debt that is not mine!!! I received several collection letters, threatening and offensive collections calls to myself, work and my parents house from this company stating they have a judgement and plan to garnish my wages or arrest me if I didn't pay them XXXX immediately via check by phone ... .I have written them letters asking to validate this debt as I don't recall ever having a judgement ... especially with XXXX XXXX XXXX with whom I don't have any accounts. Harris and Zide just keep sending me one letter after another ( see attached evidence ) that asks for payment in full stating they are collecting on behalf of XXXX XXXX XXXX. I did write to XXXX XXXX XXXX to the address Harris and Zide provided me for verification of this debt but address turns out to be FRAUDULENT AND LETTER WAS RETURNED UNDELIVERABLE ( see attached evidence.. ) I called XXXX fraud line for XXXX XXXX XXXXXXXX who could not find any accounts current or past due under my social # or address or name on file as Harris and Zide state , they also could not issue anything in writing because I'm not their existing or past client. I was advised by their investigation unit at XXXX  XXXX XXXX to file a complaint of Fraud collection practices and violation of F.D.C.P.A to you and to FTC which is what I'm doing today. Please help me stop this erroneous company from harassing me on the debt that is not mine
Consumer complaint received 2022-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Leif Technologies Inc. (NY)

in XXXX of 2020, I saw an ad from XXXX about a XXXX XXXX program and it says nothing is paid until you get into the industry. I spoke to the admission director and they promised nothing is paid until I make $ XXXX and in the tech industry, and after I finish, they will help us find XXXX XXXX  XXXX XXXX XXXX. I started the program with them, and they asked me to connect with Leif ISA, income share agreement, im not in that industry and they can tell, but leif is trying to get money from me and XXXX is not helping and push the ball to Leif. Leif said they dont know about what XXXX promised me.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

This debt was attempted to be collected by XXXX XXXX and after working with the original company they could not verify the debt and removed all collections and flags in XXXX of 2019. And A letter followed for confirmation. In XXXX of 2019 DCI collections has been attempting to collect this debt and originally flagged my bureau with no calls and/or written notification. The day after my bureaus were flagged I provided the letter from the previous agency and this debt was then lifted from my bureau in XXXX of 2019. However in XXXX I am receiving calls regarding this debt from XXXX XXXX XXXX once more. Attached is the resolution letter now provided to DCI twice and copies of their most recent calls to me. No other action has been provided by this agency.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. The account being on escrow along with XXXX XXXX has cheated me of thousands of dollars per tbe XXXX XXXX XXXXXXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with Select Portfolio Servicing Inc at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. I really look forward to this company honoring my request during this pandemic.
Consumer complaint received 2020-12-16
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: AMERICAN EXPRESS COMPANY ()

I paid for a trip to XXXX through XXXX XX/XX/XXXX to travel XX/XX/XXXX to XXXX, XXXX in full on my American Express. I arrived XX/XX/XXXX and left 2 days early due to the pandemic. XXXX XXXX went bankrupt XX/XX/XXXX and when I went to check out I was to I had to repay, they would not let me leave without paying. I have tried to dispute XX/XX/XXXX and was declined because it is now outside of time for dispute yet I filed day after I returned.
Consumer complaint received 2019-09-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (TX)

I first contacted Collins Asset Group by certified mail ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2019 requesting that they send me documents to prove the debt for the amount they were claiming I owe. This letter specifically asked for the SURPLUS AND DEFICIENCY NOTICE and their authorization/license with the Texas OCCC being that they are now the holder of the retail sales contract because that is a state requirement. Collins responded by sending the sales agreement but they DID NOT send the Calculation of Surplus and Deficiency Notice as requested and is due to me upon request within 14 days of getting such notice as said by both federal and state laws, UCC 9-616. 

I then sent a second notice ( via certified mail receipt number XXXX XXXX XXXX XXXX XXXX and received in their office XX/XX/2019 ) saying that they ignored my request for this information, and Collins has yet to respond giving me what I asked for.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (AZ)

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes. 
Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading. 
In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Immediately cease and desist any further legal actions, including the pending lawsuit relating to this account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. 
Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Consumer complaint received 2022-03-01
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: Receivable Recovery Services, LLC (PA)

I have notified XXXX that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law XXXX has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and XXXX is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to XXXX. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX
Consumer complaint received 2023-03-11
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. (AR)

This is another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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. I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.
Consumer complaint received 2021-03-06
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. (WA)

XXXX XXXX has, on a regular basis omitted correct information updated on other credit reporting agency sites. 

They have willfully and deliberately left correct information off my credit file that reflects the correct and valid status of two accounts. 

I have sent them information via Text, XXXX Page Post, and Direct Dispute on their XX/XX/XXXX Site, to NO AVAIL. 

This Agency is to update credit file information in a timely, correct, and factual manner. They have NOT and continue to NOT do due diligence to ensure this is corrected. 

The FTC is VEY clear on this and I have requested {$4100.00} x2 for the errors on their site in a written response, to NOT hear a thing back or have the information corrected. 

I will attach my correspondence and I FULLY EXPECT a check for {$8200.00} tendered to me directly and promptly. This is the FTC/CFPB responsibility to ensure those FINES are tendered.
Consumer complaint received 2023-03-11
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On Sunday XX/XX/2020 I tried to use XXXX from my CHASE bank checking account. I added the payee 's phone number, Chase told me I needed to add my mobile number and download the app. NOT happy about that as I use the cell only for emergencies, no apps on it, I use a landline phone from home. Did it anyway, tried 3 times to send {$1500.00} to the person, rejected twice, then seemed it was processing, then rejected - and then they closed my online banking which I use from my laptop for 'suspicious activity '! No branches open on Sunday plus they stopped taking their customer service phone calls at XXXX PST. Since then they have told me I MUST go into a branch with two IDs even tho I can not find my Social Security card, have been searching for it for months, well before this problem, and btw it is not supposed to be used as ID by Federal Law. I have no passport but I have my Soc Sec number memorized. I have tried multiple times over the phone to unlock my online account, now suspended for suspicious activity. Regular account is open. I am a XXXX senior with a non-working car. They tell me the only way to unlock the online account which is far more accurate than the phone system and can be accessed 24/7 is to go into a branch. I have told them my Soc Sec # on the phone, date of birth, etc. No, I must go into a branch - with my expired ID and no SS card but the number in my head? Asked if I could bring bills with my name on them - no. They are being insanely stubborn about this one simple thing and I have banked with them for years!
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (IL)

ON MY XXXX  CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX  CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY EXPERIAN CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX  VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.
Consumer complaint received 2023-03-11
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

Due to Covid-19 my, son 's wedding ceremony in XXXX XXXX was cancelled. My wife and I cancelled our flights on XXXX XXXX XXXX and received partial refunds of {$6700.00} each for a total of {$13000.00}. 

These refunds were paid to our Citi AAdvantage Master Card on XX/XX/2020. A copy of that statement is attached. 

I had one other, unrelated charge on this account in the month of XXXX, in the amount of {$120.00}. So a credit of {$13000.00} appeared on my XXXX billing statement, which was due XX/XX/2020. 

On XX/XX/2020, I contacted the Citi customer service line for the account to request that a check for the credit balance be sent to me. The representative said that was not possible, but that they would credit the amount to the bank account which I use pay my card balance. Since it was a large amount, there may be an extra delay for management approval, but that I should see the credit within some 5 business days. I agreed to this arrangement. 

On or about XX/XX/2020, having not received the credit to my bank account, I once again contacted the same Citi customer service line. The representative confirmed that the refund was in process, but needed management approval. I asked to speak to a supervisor and was told that was not possible. 

today is XX/XX/2020 -- 37 days since Citi received my money and they continue to hold it with no recourse available to me.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AR)

I applied for a credit card through XXXX XXXX in XX/XX/2022 and was approved and used that approval to purchase shoes for my daughter. Since then I have never received a statement or my credit card from the company. They now have my account listed as delinquent on my credit report but show that I made my first two payments on time with no change to the amount owed. I'm not denying that the account is mine, however, I am staying that my account can not be delinquent after making 2 payments on time when I have never made a payment because the company has never sent me a statement. My credit card isn't even activated because I have never received one. I want my account updated to current and all late fees removed due to it being the company 's fault that I have not paid on the account. Once they send me my card and my statement I will pay the balance without late fees in full.