davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (TX)

On XX/XX/XXXX, I sent out letters to XXXX, XXXX and Experian through certified mail in regards to these six accounts that I felt did not belong on my credit report : XXXXXXXX XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit.

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
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

My home mortgage was sold from XXXX To Loan Care LLC in VA. and I made an electronic payment of {$900.00} to Loan Care LLC in  XX/XX/XXXX which they can not locate. I have submitted proof of electronic payment from my bank several times. There customer service is terrible. I have send email made many call s through my bank but have not been reimbursed for this amount. This has never happened to me. How could they loose an electronic payment? This is theft.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Consumer complaint received 2018-12-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

I received an alert from XXXX XXXX onXXXX-18 stating my score dropped 24 points due to one of my college loans from Navient. On XXXX, it showed a balance of $ 15,000+ but on XX/XX/XXXX, it showed a balance of more than {$17000.00}. I contact Navient by phone and the rep refused to talk to me and told me that XXXX XXXX reports are not accurate. I was told she could not talk to me about my account and that it was my responsibility to contact XXXX  the reporting company.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I deposited 2 checks via online. One from my work place, aka XXXX XXXX for XXXX and another from my grandfather for XXXX. They placed a hold on my checks and said that it was fraudulent. Which it isnt. Clearly both checks are made out to me and they have my name on them. They refuse to give me my money.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Hello, I have been trying to cancel a subscription with Experian for days now. They do now allow you to cancel online or via email, require a phone call. Everytime I call it is a hour and a half wait time. I've done it twice now and still received no answer. I can not just leave my phone on hold for an entire day. 
I can not remove my credit card and can not cancel payment.
Consumer complaint received 2021-01-30
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. (CA)

Last month, after 26 years of being a loyal consumer with Chase Bank, they reduced my credit limit. This month I received a notice that if I miss a payment, my interest rate may go up to 29.99 % and indefinitely stay there. They give you the option to reject this rate increase, yet if you reject it, your account is cancelled. ... In the last 26+ years I have missed two payments. Neither of which occurred in the last year or longer. For this to happen durning a pandemic is disturbing. If this is how I am being treated after a near perfect, three decade history and a mid XXXX credit score, I cant imagine how they are treating those who are truly struggling during this time. 

I will never give Chase Bank or its subsidiaries my services again. I will also be sure to spread the word. Simply disgusting.and disturbing.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much XXXX, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Consumer complaint received 2021-05-25
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. (GA)

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2020-01-24
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. (GA)

XXXX XXXX  is reporting incorrectly to Equifax ; XXXX  and XXXX  a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CAVALRY PORT ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2021-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified CAP ONE AUTO account is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-05-25
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. (FL)

This loan with XXXX XXXX belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute because a merchant continued to debit my Bank of America prepaid debit card. Soon, after filing these disputes, Bank of America pre paid card services froze/closed my account. That created a hardship because that is where the unemployment development department disburses my unemployment income. Now, those funds are inaccessible to me and critical because that is my lifeline for survival.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (CA)

This action is against XXXX XXXX and the offices of McCarthy, Burgess & Wolff. 
In approximately XXXX of XX/XX/XXXX I was subleasing office space and the landlord wanted the space back to accommodate a large company coming in so I need to cancel/suspend my internet service from XXXX until I found a new location. In the interim I am working from a home office that I currently have XXXX internet service. There was no place to mark the XXXX form for suspension of service only termination of service. 
My account was quickly turned over to the collection agency above for collection of approximately {$4200.00}. I have sent letters to XXXX XXXX and have never received an answer from them, just silence. I have filed a complaint with the FTC in XXXX of XX/XX/XXXX and I do not know the status sine they have not communicated any action to me. I was in phone contact with a XXXX ( XXXX ) XXXX and I felt like things were being taken care of, however, in subsequent calls to XXXX I have had to leave a message and never returns my call.I am a 15 year customer of XXXX for telephone, TV and internet. Thank you for your assistance.
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings (CA)

In XX/XX/XXXX, I went to Speedy Cash at XXXX XXXX XXXX, XXXX, CA XXXX. I m a returning customer who requested a payday loan, but the store representative could not locate my account. She created a new file and had me complete a new application. I was advised by the store representative that a soft pull would be conducted on my credit report, and I would not receive a hard inquiry if I turned in an application. I found out weeks later that I did receive a hard inquiry under the name XXXX XXXX, also known as Speedy Cash. I went back to the Speedy Cash in XXXX and told the manager XXXX what happened. She also stated it should have been a soft pull. I told XXXX if I knew there would be a hard pull, then I would have never applied because I can't afford any inquiries at this moment. 
She provided me with the Corporate phone number XXXX, and the email : XXXX. I called and spoke to the representative XXXX XXXX and explained the situation. I was assured by the representative that the hard inquiry would be removed due to the nature of the incident. As of XX/XX/XXXX, the inquiry remains on Equifax. 
The remedy I am seeking is to have the inquiry removed from all credit reports.
Consumer complaint received 2022-04-29
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (NY)

please call or email me XXXX or JXXXX my husband is a veteran who took out a XXXX XXXX XXXX in 2005 to buy army gear then was XXXX shortly.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

My total current amount as of XX/XX/XXXX is {$130000.00}. {$63000.00} from Sallie Mae and {$71000.00} from Navient. I was never told that Navient was buying anything from Sallie Mae until I got bills from Navient and had to call a Sallie Mae representative for information. I graduated in XX/XX/XXXX and have been making payments ever since and my loan amount has only increased. I can not afford my payments and they will not work with me to make payments. I was told by customer service representatives to ask people in life for money to pay for it and that it is too bad and to call back when I can make a payment. They are extremely unprofessional and give scarce, if any help with repayment. I have been researching tricks to help pay down loans faster and one is  making extra payments to buy down the loans. I asked Sallie Mae if I can make bi-weekly payments on autopay to pay quicker, they refused. I asked to make payments towards the principle balance only in attempt to buy my loans down quicker and was told I can not, it will go to interest first and even if specified for balance only, they will disregard and put towards interest anyway. I am trying to work with them to make payments, I am not skipping out on my payments. I simply can not afford my debt and would like help with making payments I can afford and they refuse. My interest rates were around 7 % when I first got the loan and now are almost at 11 % on some of them. I was never told how high they would go and given no help on them.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Equifax has refused on to remove/delete false, incorrect information from my credit report on multiple occasions. Current accounts in question are US DEPT ED XXXX US DEPT ED XXXX On numerous letters direct to Equifax and sent through CFPB I have expressed and made them aware of false incorrect information reporting on these two accounts. On each dispute they have verified or updated account but account still shows inaccurate/incorrect information reporting. Leaving me to believe either this account does not belong to me or they are ignoring my request. Once again this account reflects a balance I do not recognize, the account is reporting multiple inaccuracies across all 3 different bureaus XXXX, Equifax, and XXXX. I have already sent in documents showing the incorrect information from all three bureaus. I will send in supporting evidence once again. Equifax, when I send them in this supporting evidence likes to open and close accounts in question. They opened account in XXXX, closed accounts in XXXX, XXXX now they opened the accounts for month of XXXX. On numerous disputes Equifax has closed the accounts, then later opened the accounts on my report allowing for my credit score to sway back in-forth being very detrimental to my well being. These accounts are reporting as collection account but Equifax has them open once again also with late payments. These are major errors and I have repeartedly asked them to remove these errored accounts from my credit report.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On Monday XX/XX/2019 I received notification of two fraudulent charges for {$300.00} on my Chase account. I immediately contacted Chase and let them know these transactions were not made by me and that I wanted them cancelled immediately. They said that although they are pending, they can not be cancelled. They asked me to contact XXXX, because it was through their money sending service. I contacted XXXX and they said that I had to go through my bank because it was a purchase made through my debit card. I called Chase once again and they said they cant do anything about it. I did not make these purchases and they took {$600.00} from my account. Chase doesnt want to do anything about it.
Consumer complaint received 2018-02-09
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. (CA)

XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry.
Consumer complaint received 2021-06-07
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-24
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.