davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (OK)

Debt Collector : XXXX XXXX XXXX XXXX XXXX have been making collection efforts and activities by reporting trade lines in consumer 's credit report TWO times per month for past 24 months, consumer sent a Dispute and Validation that the Consumer owes any monies to XXXX XXXX XXXX XXXX XXXX, but the debt collector failed and refused to respond to the Consumer at all. Please see attachment as to the specific details.
Consumer complaint received 2021-05-27
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. (MA)

Credit reporting Agency that i have been fighting with XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to cmtauntondc Experian somehow got a hold of my bankruptcy report and put back items on my credit report even though they were done away with thru bankruptcy and have not appeared since the bankruptcy i had a good credit score until they got involved now my credit reports are bad. they also had incorrect info on my report that is why i started this whole process. they are the only one that had my credit info for the so called free report that i canceled yet i just went into my bank account and it had been hit for XXXX by a company called score sense but i know it has something to do with Experian because they were the only ones that had that info i called score sense told them i had canceled and was told it may take a day or so if they decide to credit it back and gave me a confirmation number.. What can i do about this i did a credit lock but they were still able to put these things on my report. my name is XXXX XXXX XXXX XXXX i filed in 2015 after i got very sick and evently had to leave my employer and go on XXXX  i am XXXX had XXXX twice may have it again because of XXXX  and Dr etc i do not yet know because of all that stress and now this what can i do please help me i need some clear legal help.this is just the latest info i contacted XXXX XXXX explained that there had been a break in one XXXX  that wiped out my accounts last year and added accounts that should not be there i have worked really hard to improve my credit the only thing i have out there that is mine is my car loan with around {$6000.00}. that is it
Consumer complaint received 2020-08-23
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. (NC)

I submitted a dispute request to Equifax in writing on XX/XX/2020. It has been well over 30 days since I requested that the derogatory information that they are publishing and still no response. I pointed out several inaccuracies and requested that the information be deleted from my profile.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (IN)

In XXXX of 2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXXContinental Fin Co opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to XXXX XXXX which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by XXXX that the account has now been sent to another collection company named XXXX  XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!
Consumer complaint received 2018-07-27
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: EQUIFAX, INC. (WI)

The credit bureaus XXXX  and Equifax have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX  XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

In XXXX during a pandemic when I was struggling with money. I was charged 63 times for overdraft fees. By Chase Bank. The fee for over driving is {$35.00}. I paid over {$2200.00} in overdraft fees. When I found out they would reimburse you for your overdraft. But they would only reimburse up to 6 overdraft fees out at a time. After doing that a couple times. They won't let any overdraft my card anymore and they won't tell me a reason to why. Plus I've been a customer with them for 5 plus years I've overdrafted plenty of times and always paid the fee. This past Friday I was short {$100.00} on my car payment. Which I need to pay to keep my car so I can get back and forth to work. They wouldn't let me overdraft my card to pay my car payment. When I went to talk with the banker and showed him everything that was going on he told me there was nothing he could do for me. That it was Chase itself that was not lending me the to overdraft my account. I ended up having to pawn my TV and XXXX to pay my car payments. And my TV and XXXX are still at the pawn shop.
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (OK)

Experian XXXX  and XXXX have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.
Consumer complaint received 2021-07-18
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX I filed a complaint # XXXX as XXXX has stopped computing and publishing my FICO score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for 7 months now. After investigating with HSBC US NA Bank, where I do have a Premier XXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that XXXX  knows about my account at HSBC US but do not investigate on the failure cause and resolve the issue.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (OK)

XXXX Equifax and XXXX have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I filed a XXXX complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further. 

Upon reviewing my credit reports from XXXX, XXXX, and Experian, I discovered glaring inconsistencies in the information provided. XXXX reported a date of last activity as XX/XX/XXXX, while XXXX indicated XX/XX/XXXX, and Experian XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account.

Additionally, there are discrepancies in the reported high credit limit across all XXXX  credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided.

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by XXXX. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing.

As a result, I am requesting the immediate removal of account XXXX from all XXXX credit reports. Failure to rectify this situation promptly may compel me to pursue legal action for gross misconduct and defamation of character.

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.
Consumer complaint received 2021-04-06
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. (MI)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-04-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX is pathetic to say the least. Ive had a BANK OF AMERICA closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, Bank of America changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XX/XX/XXXX XXXX and XXXX took notice to this unethical behavior and have now deleted this account. XXXX  is the only bureau that wont do their job ethically.
Consumer complaint received 2018-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

They Wells Fargo charged me XXXX for taxes ... for what tax ... I already wrote to you people ... the money that they charged me at the amount of XXXX for taxes ... I've told you people I don't pay taxes ... 
Now you have the paperwork of what they say ... .where they took the money for taxes ... they contradict themselves ... now it's not about taxes is about escrow..that they took the money ... .Mr. XXXX they Wells Fargo did what? Read the papers ... I already paid for wind and storm damage insurance and fire insurance ... so it there was no money collect from Mr.XXXX ... not from me ... 
Read the documentations where they did what? XXXX me over..where these XXXX sit on their XXXX XXXX ... they XXXX  up and they are trying to cover it up ... just give me my money ... 
from XX/XX/XXXX to XX/XX/XXXX ... taxes ... what taxes.. 
I graduated at the age of XXXX years and enlisted in the XXXX I was XXXX years old when I wet to fight ... in XXXX ... and get this XXXX from XXXX..as I said they are trying to cover up their mistakes ... so what if they get fired ... not my problem ... ask the XXXX ... everytime some crooked mortgage company takes over I have to pay more for my mortgage..WHY IS THAT? 
They stated that they sent a copy of the endorsed check..they are XXXX XXXX ... so one is going burn ... not my problem ... they had no right to take my money ... 
They owe me ... no wonder this country that I fought for..is so XXXX up..where XXXX XXXX runs these country ... but don't think for one minute, I that I will give up to these XXXX XXXX XXXX XXXX XXXX ... they play their game and I'll play mine and they will lose ... The corporate office is not far from me ....
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AZ)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent letters reporting inaccurate and unspecified items on my credit report. On XX/XX/2021, I again sent letters in regards to the items being displayed on my credit report. On XX/XX/2021, in a finally attempt to reach someone I sent another letter regarding these inaccuracies. It has been well over 60 days and I have not heard anything or received any information regarding my investigation into my credit report. I wish to have these items removed as soon as possible as I am in the process of filing litigation.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello, I made a payment with XXXX XXXX on XX/XX/2018 for {$570.00}. I order 30 shirts with XXXX XXXX that I didn't received and no response from owner or company about my order or my requested refund after XX/XX/2018. I filed a dispute charge with my bank ( Navy Federal ) XX/XX/2018 and called weekly to check the status of my dispute charge and was told in the month of XXXX to only fax or send over a screen shot of the final payment of this order. I sent a screen shot of my final paid order from XXXX XXXX to Navy Federal ( emessages ) on XX/XX/2018 and wrote in the comments " Paid proof attachments for my dispute charge that is in place for XXXX XXXX. I can apply emails if needed as well. '' After sending this message I received a confirmation number XX/XX/2018. I continued to follow up with Navy Federal and was always told I may receive a provisional credit and to wait patiently because the process may take up to 90 days. Navy Federal stated to me that a provisional credit was listed on my bank statement XX/XX/2018 but to wait till the provisional credit says permanent. However, so I continued to do my weekly follow ups to check the status of the dispute charge in the top and mid part month of XXXX and was still being told its under investigation. On XX/XX/2018 I noticed my checking account falls into a negative balance of {$490.00}. I immediately call Navy Federal customer service and the call Rep states that they mailed out a letter requesting further information on this dispute charge but not all time is the letter going to say " Navy Federal, sometimes it may be a blank envelop. I explained to the Rep that I call on this dispute charge weekly and when I sent in my proof on XX/XX/2018 I listed in the comments that I can send in additional documents if needed but was told to wait patiently because my investigator had what he or she needed at the time. The Rep further states to me to re-send my screen shot and any other documents before the case is close. On XX/XX/2018 I sent over proof of the final payment I made with XXXX XXXX and all thread emails between XXXX XXXX and I. On XX/XX/2018 an unauthorized charge/transfer comes from my savings into my checking account of {$450.00}. Once again I called Navy Federal to find out why are funds coming out of my savings when I sent over proof that was asked from me and was told that it would be reverse. The call Rep this particularly day didn't have any answer for me because she told me that my investigator was not in at the moment and to wait patiently till my investigator review the case and follow back up with me. On XX/XX/2018 I set up a unauthorized charge/transfer as well for {$450.00} through Navy Federal ( emessages ) with additional documents and received an confirmation number the following day. 

- Dispute Charge : XX/XX/2018 for {$570.00} - Unauthorized Charge/Transfer : XX/XX/2018 for {$450.00}
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on 5/3 BANK NA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

5/3 BANK XXXX XXXX Opened : XXXX/XXXX/2017 Balance : {$22000.00}
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts -XXXX  # XXXX -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX -XXXX XXXX # XXXX have Violated my rights! !!! - 15 USC 1681 Section 602 A. St
ates I have the right to privacy.

- 15 USC 1681 Section 604 A section 2 ..... It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I was charged {$200.00} from XXXX XXXX XXXX on XX/XX/21, my proof of purchase from XXXX XXXX XXXX shows a charge of {$120.00}. The difference is {$87.00}. I was also charged from the merchant {$36.00} for gas. The merchant credited the over charge that was paid in cash for {$36.00} to the credit card on file. Capital One on XX/XX/21 takes it upon themselves with all this documents provided to charge me back {$36.00} despite having all these documents in there lap. I am asking Capital One to credit my card {$36.00} for the error. I called customer service, and the dispute center is in another country and they do not understand math.