davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 XXXX XXXX Bank reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to Experian, XXXX XXXX XXXX which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : 9XXXX Experian Tracking : XXXX XXXX Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to Experian, XXXX XXXX XXXX in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX tracking : XXXX XXXX tracking : XXXX Experian : XXXX XXXX XXXX XXXX  Tracking : XXXX Attached are the letters that were sent as proof.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; 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 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 2020-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2020 at about XXXX in the morning, I sent someone that claimed to be XXXX XXXX from XXXX {$130.00} for the adoption of a tortoise that he was going to ship to me. I used XXXX through my Chase bank account and assumed it was safe since chase bank was the one offering the service. Once I sent the money the guy stopped responding and I never heard from him again. I looked more into it and found this " XXXX XXXX '' has done this to multiple people and scammed them also. I called XXXX customer service first and they said since it was done through my bank I needed to contact them. I called chase the next morning XX/XX/2020 and was told by the first person that they would take care of it and " rest assured we will get this taken care of for you '' then I was transferred to the fraud dept and the guy from JP Morgan chase told me I was out of luck. He told me I shouldn't use that service. I asked why they offered it and MISLEAD THEIR CUSTOMERS he had no response.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (AL)

After XXXX for XXXX XXXX, I received a bill from XXXX XXXX XXXX XXXX for pre-admission testing and a XXXX XXXX. I am insured under an XXXX, and XXXX XXXX is out of my network, but can obtain a prior authorization to cover such services ( they had all of my insurance information ). 
After much investigation, it was determined that XXXX XXXX did not attempt to obtain a prior authorization. I've talked to lots of people at the facility who agree with me and offer help, but I never hear from them again. XXXX XXXX refuses to negotiate. 
Now I have debt collectors contacting me.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ; XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX  XXXX Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureaus but I never received a response from them. These inquiries must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WESTSTAR MORTGAGE CORPORATION (TX)

I started a jumbo loan refinance with XXXX XXXX on XX/XX/XXXX with a promise of a quick close. The loan officer XXXX XXXX stated with everything I already had collected and available - this would be an easy loan to close! They were able to do income verification within a week and then needed to verify assets and liabilities. i submitted over 100 documents to verify all the assets and liabilities. I have not filed my XXXX tax returns - it was XXXX - but they have the previous 3 years of tax returns which should be sufficient. They had my current paycheck, my bank statements. Yet they wanted a XXXX XXXX XXXX for my XXXX for XXXX. Which I provided in the XXXX format that i provide to my CPA. I was then requested YTD for XXXX - which i provided. I was notified on XX/XX/XXXX that I am ready to close pending a marriage certificate of my name change, a signed copy of the loan refi from my husband and a investment document. I provided all three. A week went by and i kept asking when is closing, no response no return of phone calls. Another week, no response to phone calls, texts or emails. Another week goes by and then I get an email out of the blue on XX/XX/XXXX that sorry you did not provide all the documents and the loan rate lock has expired!
Consumer complaint received 2016-06-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WESTERN ALLIANCE BANCORPORATION (NV)

The Bank of Nevada/Western Alliance Bank AutomaticTeller Machine location XXXX at XXXX XXXX XXXX XXXX XXXX Nevada, did not released the {$400.00} I requested on XXXX XXXX, 2016 approximately at XXXX using my XXXX XXXX Debit Card .A message on display stated an invalid transaction. On a second try I collected the {$400.00} with a receipt of the transaction which indicated the previous {$400.00} were already deducted from my XXXX XXXX debit card from my checking account causing a low balance of {$310.00} from the XXXX checking account balance. I immediately on the same day XXXX XXXX, 2016 I reported the Bank of Nevada/Western Alliance Bank 's ATM Fraudalent Activitiy to my XXXX Customer Services representative, XXXX XXXX XXXX, at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Nevada. The XXXX XXXX representative, XXXX XXXX XXXX is claiming the {$400.00} from the Bank of Nevada/Western Alliance Bank be credited to my XXXX XXXX as soon as possible. Such ATM fraudulent activity caused me to suffer severe financial distress lowering my Checking Account Balance with insufficient funds to meet my next financial obligations due on XXXX XXXX, 2016. My income is from the Social Security Administration Retirement Benefits payable only on the Second Wednesday of each month. My next direct deposit is due on XXXX XXXX, 2016. Consequently, because of the Bank of Nevada/Western Alliance Bank 's Automatic Teller Machine 's fraudulent system I am suffering a severe financial hardship.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC. (TX)

Kondaur Capital stated that they have paid for my home owners insurance as of XXXX/XXXX/2016 to my insurance company XXXX, account XXXX and policy number XXXX. If they have done so they need to contact my insurance company immediately and provide proof of payment. 
Sincerely, XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting 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. 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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of 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 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My issue is with paypal and apparently this dates back to XX/XX/2021. I purchased hair online only to learn that my stylist was going in the store to make the same transaction. I reached out to paypal to see if the transaction could be stopped only to learn that i submitted thru my paypal credit account and they couldnt assist. Meanwhile i contacted the vendor and they refunded the payment right away. 


XX/XX/XXXX Paypal sends me an email stating i owe them for the transaction that they said they could never help me with and now my account is negative {$820.00}. HOW- its 2 different banks involved. Paypal and Paypal credit. THEY NEVER REFUNDED ME ANYTHING I have called multiple times and spoke to a supervisor who said that she would call me back 3 days ago. The reps insist on my speaking to paypal credit who state there is nothing wrong with my account at all NOR do they see any additional refunds Payments are bouncing all over the place due to paypals negligence Not cool
Consumer complaint received 2015-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank wrongfully allowed a stolen check made payable to me to be cashed a second time after I had already deposited it via the Chase mobile app. I clearly wrote the words " DEPOSITED ON XXXX '' on the face of the check after the deposit was successfully made on that date. When the criminals cashed the check on XXXX/XXXX/2015, the funds were debited from my checking account even though the crime had been reported to Chase on XXXX XXXX. This action has put my account in the negative and Chase is refusing to take responsibility to rectify this matter. This is unacceptable! I was victimized and as a long-time Chase Bank customer I deserve to be protected by them not disregarded.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

We are behind on our mortgage payments and are working with a lawyer. SLS ( Specialized Loan Servicing ) keeps calling my XXXX year old mother and is upsetting her. They ask her for my phone number and keep calling her
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I will commission into the XXXX XXXX XXXX XXXX in XXXX of 2016. I currently owe more than my home is worth and contacted my servicer about the possibility of a short sale or deed-in-lieu so that I can move to XXXX XXXX XXXX when I go on XXXX. I was told that I had to submit the paperwork for a modification even though a modification will not help my situation. Supposedly I was approved for a modification that will reduce my payment by {$22.00} a month. This does not address my issue, since I am current on my mortgage and have excellent credit. The issue is not the payment, but the fact that I have to move in order to serve my country and can not sell my house due to the decline in the real estate market. Because of my credit and that this is an FHA loan my servicer is telling me that the only way I can get out of it is default on the loan and let it start the foreclosure process in order to be approved for a short sale or deed-in-lieu. The only reason that I am trying to get rid of my house is because I am moving as a result of service in the military. I would like to keep my credit score as high as possible, because I need approval to rent in XXXX. I can not afford to pay rent in XXXX and mortgage in XXXX for a house I no longer live in.
Consumer complaint received 2022-09-04
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. (DE)

Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Since XX/XX/2022, Experian blocked access to my online credit report and score. However, access to my score is available to every credit card associated with my Experian account. To illustrate, please find attached an Experian screenshot showing what it is being shown to me each time I am trying to have access to my online file. 

I have been calling Experian insensately since XX/XX/2022, to get this matter resolved to no avail. 

As a result of my constant calling, on XX/XX/2022, I received an email from XXXX XXXX from the Experian Care Team asking me to call a number and giving me specific instructions to follow which I have done to no avail. Please find a screenshot of such an email. 

Today I spoke to three Experian representatives seeking to resolve the matter one more time, XXXX, XXXX, and XXXX who did nothing, and finally, XXXX hang up on me. None resolved the matter.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Bank of America card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
Consumer complaint received 2022-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Fraudulent collection placed on credit file with collection agency by the name of Southwest Credit System claiming to represent XXXX XXXX. XXXX was placed on my credit file XX/XX/2022. I have never had an account or done any business with XXXX XXXX or any of its affiliates. I have placed a fraud alert with all three credit bureaus in response to this fraudulent account. A credit freeze has been placed on all three credit files. I have filed an identity theft report with the FTC.