davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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 Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 2021-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (MS)

Today I got a collection placed on my credit in the amount of {$1600.00} when I never got any written notification of the debt to pay or to dispute a company by the name of Security Credit Services this company has never contacted me never sent me anything skipped the process of verification and payment to the to the original creditor and immediately placed the account on my credit without a call and not even a letter of verification to dispute consumer was never contacted by original creditor for account to be resolved accurately. Consumer contacted original creditor due to never receiving merchandise in a timely manner and was being billed for payment when product was not received company advised they would not bill consumer and issue credit due to being billed for a product that was in delay in shipping as of today 's date consumer was told to keep paying for a product never received in a timely manner waiting on an update to the account. Company never called back after consumer advised of this issue and was waiting on a resolution that never occurred many times calling no one would know exactly what happened nor would they give credit for the delayed no product but still wanted a payment as of today 's date original creditor has never resolved the credit disputed by the customer and wanted money when they was to issue a credit or update a new contract due to delayed product company wants clients to pay for a product not received or delayed when they know the customer does not have the product due to delay I immediately advised that how can you pay for something when the customer does not receive it in a timely manner per the agreement
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was paying the Annual fee for XXXX On Behalf of a family member from my Fifth-Third debit card. The family member Died and I wanted to CANCEL the payments to XXXX who told me that without email access to the XXXX  account there wasn't any way the payment method could be RemovedStopped, so I must dispute the charges with my bank ( see attached email-unfortunately XXXX did not send me a transcript of my " online chat '' ) I filed a Dispute with Fifth-Third bank Case # XXXX XXXX XXXX. They responded that they could NOT refund the debited amount because according to Fifth-Third the request was not submitted in a 'timely manor ' although I submitted the dispute as soon as I saw it on my account and XXXX  had been notified ( Since nobody has access to the deceased persons account the billing can NOT be cancelled according to XXXX ) then I spoke with the Fifth-Third disputes department via telephone and they stated they could NOT stop future debits on my account from XXXX  from my account
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (AL)

This collection company, The Bureaus Inc, is reporting incorrect information on my credit reports from an account with XXXX XXXX. The balance is incorrect. I have disputed the information with the credit bureaus. The company has verified the information as accurate, but failed to provide documents proving the balance. I also sent a letter to the company requesting a full accounting record of the account that proves the balance. The company failed to send me this information. The balance reported is not correct. The company is reporting the balance higher than the high credit amount, which is never correct. Again, I have disputed this information several times and it has not been corrected or deleted from my credit report.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Transunion. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Transunion received it on XXXX XXXX. I called Transunion on XX/XX/XXXX I was told that my Identity theft report did not meet Transunion 's criteria. So they disputed all the accounts with the creditors. And that I needed to send in another Identity theft report along with my Drivers License, social security card, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them. I know both times I submitted fully complete and legible documents.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (WV)

Nearly a month ago I requested a refund for payments made towards my student loans during Covid. 

I have spoken to Aidvantage and they have not moved forward in regards to getting the refund issued. I have no updates, only that it is still processing. 

I was told initially that it would take approximately 4 weeks for the refund to be issued, and I am no closer today than I was a month ago.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (LA)

I have been contacting experian about this issue and they dont want to fix it i cant see my experian fico score since XX/XX/2022 and i been sending all my proof of identity like my driver lincese, lease apartment to verify my current address and my social i got a credit report from experian via mail XX/XX/XXXX and in one of the secciona it said that the ISSUE DATE ON THE SOCIAL SECURITY NUMBER THAT YOU GAVE US IS NOT VERIFIED BY THE SOCIAL SECURITY ADMINISTRATION i have sent my social security card thru EXPERIAN.com/upload and i never get a reply from experian
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

I was scammed out of some money for two vehicles. Once I realized it was a scammed, I then called Chime to report it. They said it was nothing they can do. I then called to dispute with unauthorized payment. They denied the disputes. 
There are 2 {$450.00} payments, 2 {$100.00} payments and 2 {$600.00} payments.
Consumer complaint received 2023-08-07
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. (CA)

I recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. Equifax I contacted Equifax on 5 different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for 27 minutes and once someone answered the call was disconnected.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (IN)

American Express has effectively moved US based accounts to XXXX with no notification to customers. The way this has been effected is, the AMEX site ( s ) will show the country where the site is based. In this case it is XXXX. There is a button to change countries -- however, that button is unusable. 

This problem came to my attention when I attempted to get a problem corrected on the AMEX web site where a customer must logon. I needed to get information about my credit card activity for the prior year for tax purposes. We have been doing this for the past several years, which helps us in getting our biz and personal US taxes filed. We found that the extended data downloads fail. We reported this and found that we were talking with people in XXXX ( via the AMEX site, more to this later ), and since it was the weekend, OK. 

The problem is it takes a while to get them to understand the issue you have, they need to go through all this " security '' questioning, etc. to finally realize you are reporting something broken. So a few days later you are called back to be told it is being worked on. This lead me to contact them again last night ( XXXX XX/XX/2017 @ about XXXX US Eastern ). So we get to do all the same diagnostics before they actually listen and find out we have an open ticket for this. 

Today, XXXX XX/XX/2017, I was trying to find the right location to contact AMEX about this. In the past, I could report such things and get them addressed quite rapidly. No longer. The ONLY contact points I am offered are in XXXX. This means that AMEX has off-shored their business from the USofA to XXXX with no notification to customers ( I was n't told ). 

This leaves this question : Can AMEX present themselves as being a US operating company, while having NO US based employees, or operations other than mail drops and locations to send bills from? That is, they have off-shored all but their top management, and pretend to be a US operation. It seems to me that there is a violation of regulations, or an attempt to avoid law/regulations for CC and banking by offshoring their banking and operations to XXXX.
Consumer complaint received 2023-08-16
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. (SC)

I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I was trying to settle about my payment history when someone in their bankruptcy department and this foreign speaking guy who was very rude toward me, and unprofessionally hung up on me while I was trying to explain to them that I made 4 payments for this month XX/XX/2019. They are supposed to be making sure my payments are being applied to my account not intentionally trying to mess me up! It's very frustrating when they refuse to work with you or even listen to you because Carrington has these foreign speaking people that don't understand English or maybe they understand. Carrington is flat out making this difficult or they are telling employees to harass and hang up on me!
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (MO)

We received letter from Chase Bank the interest rate on our Chase Slate credit card was being increased. This would be fine except the reason stated was " because your APRs are below the lowest APRs we currently offer on similar account s ''. As our lowest APR rating is XXXX I called XXXX and spoke spoke with XXXX to inquire what their lowest rate was. I was told this was just a rate increase notice my credit rating didn't matter. I want to know why they can put in writing a suggestion my credit is less than acceptable? I have worked hard to acheive a great credit rating and don't want Any adverse. Suggestion to hurt it.
Consumer complaint received 2017-05-28
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX SSN : XXXX XXXX XXXX XXXX Regarding : My Experian file : XXXX According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you. I am asking for the following accounts to be verified or removed immediately. 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.
Consumer complaint received 2023-03-24
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 following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-02-16
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: Optimum Outcomes, Inc. (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I received a alert on my Experian Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

NOTICE OF LITIGATION - On XX/XX/XXXX, Nationstar failed to correct lines XXXX in their internal systems transaction history, to which claims Nationstar collected XXXX allocated {$11000.00} for 196 late fee payments at the contractual rate of {$56.00} per month for 16 months that Nationstar serviced XXXX XXXX. The counsel for Nationstar wrote the CFPB XX/XX/XXXX, falsely stating he had sent the internal payment history to me on numerous occasions ; however, this internal transaction history had only been disclosed once to me on XX/XX/XXXX along with XXXX other " reports '' that didn't disclose actual payment allocation in lines XXXX. Allegedly, the payment history was updated '' as claimed by this attorney XX/XX/XXXX. Subsequently, I sought error correction when I rediscovered this material and negatively reported an error in payment allocation still existed sent by this attorney on XX/XX/XXXX, and Nationstar has failed to correct the error negatively reported as XXXX current payments on an XX/XX/XXXX Verification of Mortgage and previously over 6 years in my credit files, along with failing to correct the amount held in suspense originally collected for unearned never performed services, still held in an open suspense account to this day causing XXXX XXXX to continue to own the loan 8 years after the mortgage was released. Please find the litigation occurring and supplemental evidence of these claims attached, to be heard in XXXX XXXX XXXX XXXX with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (PA)

Mortgage has fallen behind by 2 months, I have been making payments every month but unable to catch up with additional 2 payments. In the past I have contacted XXXX and advised them that I am trying to catch up but in the meantime I can make the monthly payments. XXXX advised me that as long as I maintain the monthly payments I should be ok until I am able to catch up however, they did say they could send me paperwork to push back the past due so that the account comes back to current. I had accepted this and received the paperwork which needed to be notarized. Prior to them sending out the paperwork I had advised XXXX  the my wife who was on the paperwork had passed away from XXXX on XX/XX/2021 and that they should resend paperwork with only my name. XXXX would not resend me paperwork with just my name nor would accept her death certificate to have onfile, this presents a problem when trying to get the paperwork notarized. I was granted social security surviving spouse benefits that goes straight to paying the mortgage each month, I do have backpay that I am awaiting on to be able to use to catch up on the loan but that process is taking way longer than it should and I am working to get it expedited. In the meantime I have been getting numerous letters from XXXX threatening to foreclose on my property even though I had advised them about the situation over the phone. I have not been avoiding talking to XXXX and have been very open about my situation which they advised again that as long as I make my payments I should be ok.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (DC)

XX/XX/XXXX, {$25.00} service fee XX/XX/XXXX, {$25.00} service fee The customer service representative also mentioned to me that there are service fee charges for XX/XX/XXXX. When I opened this account, no one from PNC told me that I had to maintain a statement balance over {$5000.00}, and otherwise, I would be charged for a service fee. When I called PNC today to dispute the service fee charges, it was the first time that they informed me about the benefits associated with this account and the balance requirement. I have never used any of those benefits.
Consumer complaint received 2018-01-26
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. (CA)

I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer station my location and area operation.