davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

My name is XXXX XXXX, last 4 of social is XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX, DOB is XX/XX/XXXX and I authorize the Consumer Financial Bureau to submit this complaint and act on my behalf against Equifax Information Services, LLC. On or about XX/XX/XXXX, I requested Equifax verify or delete the following accounts : XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   Account Number XXXX I attached my proof of address, social security number, and drivers license as required Equifax sent a reply letter back stating that I did not provide sufficient identification, that letter is attached to this complaint. 

I sent another letter challenging that I did provide sufficient identification, and again provided identification. Equifax then said they were unable to locate a credit file for me. I then attached my equifax credit report to that response, and the identification required. Equifax then sent another response, more than 60 days later, stating that I did not provide sufficient Identification. I responded, attached my credit report again, and the identification, all of which is attached to this complaint. I intend to file suit in federal court if the items in this complaint are not immediately deleted for failure to verify under the Fair Credit Reporting Act upon receipt of this complaint, in damages in excess of {$75000.00}.
Consumer complaint received 2021-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

transunion have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( XXXX ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards transunion had XXXX financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose thousand of dollars during a pandemic..
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (NY)

Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, XXXX and XXXX XXXX and a company called Tempoe LLC. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, Tempoe, and they have ignored all my emails.
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I filed a dispute with Chase on XXXX.i informed Chase that I am disputing their claim.moreover I requested that Chase supply me with copy of the contract with my authentic signature.Chase never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Chase failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Due to COVID-19 my family did not feel comfortable traveling to New   York, one of the epicenters of the pandemic. There were 4 passengers and 2 different flights purchased a one-way one from XXXX to NY, and another one from NY to XXXX. I made several attempts to cancel the flight before my departure date. In one occasion they responded by offering either a full refund or credit. I chose the refund option but my reservation was never cancelled. I kept contacting them via text message through XXXX, via email and by phone calls. I will attach all the proof and their responses. They contacted me via email and offered me a partial future credit ( {$280.00} ) for only 6 months. I disputed the charges since I opted for the refund option and because I never heard back from them for months. Their response to my dispute was that we were a no-show and that they were offering a 12 month credits for cancellations. So I actually did not get either one since the partial refund offered is now cancelled. I have been trying to reach a person who could help me I have called and sent messages, and I still have not received a response. Now the credit is not even an option anymore due to the dispute, but my bank also failed to send documentation on time and I was not able to get my money back through my bank. I was also advised to make a complaint to my financial institution due to their negligence while processing my claim. I am out {$760.00} due to XXXX  and my financial institution failure to deliver what was promised that is well documented, and doing their jobs. Bank of America is not able to provide me with the documentation where they said they informed me the answer to my dispute to XXXX  was time sensitive. I made a phone call to BOA after receiving their response letter via mail dated on XX/XX/2020 stating my claim was closed and not refunded due to the no-show. They attached XXXX  response documentation. I called upset to ask why they had never contacted me to request the documentation to support my claim, that I initially informed them I could provide when I submitted my claim. I was told I still could answer the claim decision and I specifically asked if there was a due date. They told me there was not a due date but I should had acted quickly, which I did. They are not saying I did not send the documentation on time and closed my case without refunding my money nor taking responsibility of their actions that has caused to lose my claim. I would like to see if by submitting this complaint someone could hear me and help me with this issue. If you need further information please feel free to call me. Thank you so much for your attention.
Consumer complaint received 2021-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CT)

I've been working with them to defer but it seems like they were lying to me about deferment for months. Now my loan is charging off in the amount of XXXX and with principal loan of XXXX. I need help with this situation
Consumer complaint received 2020-06-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a hacker .need this matter resolved so i can have my credit card back or new one sent.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I made a purchase on PayPal Credit for {$110.00} back in XX/XX/2019. I cancelled the order and was issued a refund. However, my balance was not adjusted. I reached out about half a year ago and they made some changes to my account but my balance remained unchanged. Over the past half year, I've been contacting them multiple times about this issue with no resolution and now my account is 'overdue ' because of the balance and interest is accruing on that. It will soon affect my credit report and I was informed they can take up 3 months to fix this. I've already been waiting for 6 months for this to get resolved and such a wait is not acceptable.
Consumer complaint received 2023-01-28
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$270.00}
Consumer complaint received 2020-08-19
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. (PA)

XXXX has reported my account as delinquent, but I have disputed the charge altogether because I never, ever, ever received the merchandise from XXXX XXXX. In fact, XXXX XXXX went out of business. 

I have disputed the charge multiple times. My dispute is in fact the subject of another filing with CFPB. 

Despite my dispute, XXXX has reported my account as delinquent. I need your help in getting this corrected.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (DC)

I submitted a permanent pre-screen opt-out by mail on X/X/2007 to the address provided on the Pre-Screen Opt-Out web page at XXXX ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (OR)

Ginnys is an online store. Ginnys, XXXX XXXX, and XXXX XXXX are all 3 the same sister company. XXXX XXXX has sent me a letter saying the account was opened fraudulently. But the other 2 Ginnys and XXXX XXXX wont close theirs even though all 3 are the same account number.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

In early XXXX I contacted Conn 's Plus to get current on my account and set up Automatic Draft payments. I was preparing to repair cy credit. At that time, I was told that I can only set up Auto pay draft for 6 months at a time. Well at the end of the 6 months, I was never notified that my last payment was taken. Therefore, my next payment was never taken ( XXXX ). Again I wasn't notified. Once I realized a payment had not been taken, I contacted Conn 's once again to set up Auto pay draft. My monthly payment is {$140.00}. XX/XX/XXXX, they reported my 30 days late. Not sure why, I called. They mentioned the late payment from XXXX. not being drafted out of my account. ( they reported something from XXXX in XXXX ) They then assured me I was indeed enrolled in the Auto pay. I was still confused. I asked if they would reverse that late payment on my credit. They said they would dispute it, but nothing happened. Now XX/XX/XXXX ... they report me again as a late payment. This - just days after drafting my payment out my account. I called once again. Now a different customer service rep tells me that I was behind by {$180.00}. How is this possible? I ask. She then tells me that although I am enrolled in auto pay draft, they are only taking out a payment of {$120.00}. I asked how and why would they not take the full amount of {$140.00}. She had no answer. Just ... '' not sure why that happened '' and an apology. I asked again if they can reverse those reported late payments since this an discrepancy on their part. She told me to contact a credit specialist. I asked to speak to a supervisor. He then confirms what she said about the error of them not taking the full authorized amount, apologizes again, then proceeds to ask for a payment to get current. I agree to pay the balance of {$180.00} to get current. While on the phone with the supervisor, he updates my file to take the FULL amount of {$140.00} for future payments AND the also offered up an option of 1 year auto pay setup. Not only did they not give me the option to set up auto pay for a full year, I was told a number of times that 6 months was as far out as I can go with setting up my auto pay draft. Next issue is they made an error on how much they draft out my account, which resulted in me having a past due balance and them reporting me as late on my credit. Of all the times I called before, no one ever mentioned to me a balance due. I begged and asked them to please remove those late payment from credit, but to no avail. This was a negligent error on Conn 's part, and they are not willing to rectify it.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I have over 21 NSF fees in my usaa checking account. Every fee was cause by deposits that showed up as cleared on my online account statement but the bank says they the items were returned door the the items not actually being cleared fully. I have nearly {$600.00} in NSF fees in a three day period. Also Usaa policy read that they will only charge up to 10 nsf fees per cycle, I have 21 in 3 days. I've talked to three representatives and each one refused to refund any of the fees and stated that even though the deposits made showed up on my online statements that they weren't actually clear, therefore that is why the payments were returned and fees were charged
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Consumer complaint received 2023-01-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SD)

On XX/XX/2023, Experian decreased my credit score by XXXX points. Logging onto the Experian website shows no negative marks or any reasons why my credit score would drop by XXXX points. I know and understand that credit scores fluctuate as I have generally seen mine move XXXX points due to when I pay my credit cards. I tried calling them everyday for the past week, but the phone number listed on their website but only rings to an automated phone system which you have to XXXX the hacks to get a human being because their automated system is nothing but the same information on their website but just takes more time. I have found 5 other phone numbers and for each one of them ring the same automated voice system. I have been able to get a hold of their member services, customer support and eventually got their disputes. Not one of them could give reasonable answers. Several suggested I would need to order their biggest online subscription and they could help then. One suggested getting a lawyer to just get answers as to why my credit score dropped XXXX points. One suggested because I pay off my credit card balances every month that my credit score can drop by XXXX points. Another one suggested that it is not their problem and hung up. I have ordered my credit reports but will take 15 days to get them. By then Experian will claim it is too late to do anything. Everything about this experience with Experian has turned into a scam of me. Do they not work for we the people of the United States?
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Timothy M. Sullivan (TX)

I was notified on XX/XX/2021 by company HS FINANCIAL GROUP , LLC proclaiming to attempt a debt collection for an amount of {$3400.00}. The notification reveals that the collection was being done on behalf of a separate entity identified as XXXX XXXX XXXX, XXXX. I would like to report these collection efforts as both fraudulent and unethical. There was notification sent to HS FINANCIAL GROUP , LLC back on XX/XX/2021 requesting validation for the said amount owed. Proper response was not given and I feel that my personal information/identity as at breach.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Have tried many times in many different ways to speak with someone, at XXXX who is servicing my home loan. The communication involves an impound account that was supposed to have been set up for my homeowners insurance. My insurance company also tried unsuccessfully. My rate was based on setting up the impound account. In addition, I waited until the last minute, XX/XX/XXXX to send in my XXXX payment using my banks bill payor, with the idea I could talk with someone before sending in my payment. The only communication I received was a late payment notice and a late fee of XXXX XX/XX/XXXX, the last date to be received without penalty was XXXX XXXX. They received payment on the XXXX. I am asking that the late fee be waived and also request information how I can communicate with this loan servicing company. I have called a minimum of XXXX times, written several requests using there online forms, left phone messages, and even called their parent company who did not help. I really do not know what else to do. The only phone number given to customers so far has only taken me into circles. My home insurance, credit rating and penalties are involved.
Consumer complaint received 2023-01-28
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: WELLS FARGO & COMPANY (GA)

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-03-04
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: Medical Society Business Services, Inc. (AZ)

Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 Bureau of Med Economics XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC (PA)

On XX/XX/2023 I was contacted by an employee of XXXX XXXX. I was told that I owed a debt I had no knowledge of and that if I didn't pay that I would have my consumer report riddled with false information. I was threatened harassed and told various times it was an attempt to collect a debt. From understanding of XXXX XXXX XXXX a debt collector XXXX not state that the consumer owes any debt along with contract me for anything other than to confirm location information. There where several other violations that occurred on the phone at the time of the call which I have listed in the attached documents along with an invoice.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (WA)

Received literature in the mail on XX/XX/XXXX, it says this debt is from XX/XX/XXXX. I called them while sick with COVID, I do not know of any existence of this debt, Mr.XXXX wasn't wanting to hear me only wanted to pitch his bogus training at trying to collect information. From what The Statues of Limitation in the state of Washington and any sale offs this is a Old ( time-barred ) debt, if at all any such debt. I think this is a harassment and Abuse. The company is Radius Global Solutions LLC. XXXX  XXXX XXXX XXXX, MN XXXX. I am on SSI.