davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mandarich Law Group, LLP (CA)

In XX/XX/2018 I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection. 
I sent a cease and desist letter XX/XX/2018. 
Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs
Consumer complaint received 2021-07-09
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. (TX)

On XX/XX/2021 a down payment was taken from my account for a vehicle in the amount of XXXX, I returned the vehicle within the same day because of issues I experienced with the vehicle upon driving off of the sales lot and was promised a refund from the merchant, the merchant never refunded the money that taken for the down payment on the vehicle. 

I filed a claim with the bank explaining the situation. The bank has denied my claim stating that they have proof that the charge was valid for the sale of a car although the merchant was in possession of the vehicle last.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Flagstar Bank, N.A. (NV)

On XXXX XXXX, 2016 an unknown individual used a fraudulent debit card to make XXXX separate ATM withdrawals from my checking account with Flagstar Bank. The withdrawals totaled {$1800.00} and were withdrawn in the amounts of {$400.00} ( x XXXX ) and {$200.00} ( x XXXX ), my bank apparently terminated either the debit card number or the ability to make ATM withdrawals from the checking account upon the last withdrawal of {$200.00} per discussion with card services at Flagstar Bank on the evening of XXXX XXXX, 2016 ( I was not contacted by Flagstar Bank about the transactions but rather attempted to use my debit card on the evening of XXXX XXXX, 2016 and the card was declined ). The individual made XXXX withdrawals of {$400.00} from the location noted previously ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) and made XXXX withdrawals of {$400.00} and XXXX withdrawal of {$200.00} from another location ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ). I submitted a fraud claim with Flagstar Bank on the morning of XXXX XXXX, 2016 and received no correspondence from the bank. I submitted a police report with the XXXX Police Department on XXXX XXXX, 2016 to report the theft as well. On XXXX XXXX, 2016 I called the bank 's customer service number to inquire about the fraud claim and was informed that the claim was denied based on the fact that the withdrawals were in my city of residence, the fact that I retained my debit card, and the fact that there were no incorrect PINs entered during the withdrawals.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

WITHOUT ANY WARNING WHATSOEVER, EDFINANCIAL HAS RE-ALLOCATED MY PAYMENTS AGAINST MY EXPRESS INSTRUCTIONS. In particular, my payment of {$1000.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me, and my payment of {$200.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me. This is bordering on fraud because Edfinancial is suspiciously re-allocating payments to keep me from paying down XXXX XXXX before payments resume in XXXX.
Consumer complaint received 2022-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NE)

I had 4 inquiries on my report> I called experian as they said I cant dispute those online. I asked them to investigate and have them removed and agent refused. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Telerecovery Corporation (LA)

this is for apartment I live at in XXXX ... didn't receive anything until XXXX when it appear on my credit report. I have called the company numerous of times to validate the debt. I yet to receive anything. XXXX of XXXX in the middle of a pandemic the collection agency call to say I'm being Sued and I have 30 days to comply.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I just checked my credit report and I have a derogatory collections mark from this company. Problem is I have never received any letter or communication from this company where it gives me an opportunity to verify this supposed debt. I do not even know what this debt supposedly is. They have not validated any debt ( proving it is still within the statute of limitations, they are bonded to do business in the state of Texas, the amount can be proven and verified ... etc ). This violated FDCPA. Again I was never sent a letter with my rights to dispute the debt.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-03-31
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-10
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: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions started billing me for my deceased spouse debt a year after he died. These bills were solely in his name before he died. He passed away XX/XX/XXXX. I never signed to be administrator of his estate and my husband had no assets, so there was not a probate estate. I live in North Carolina, which is not a community property state. This credit reporting agency improperly reported my deceased spouse debt under my name to XXXX on XX/XX/XXXX.
Consumer complaint received 2020-04-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I HAVE A SEVER XXXX  XXXX AND NO ACCESS TO XXXX  OR USAA. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to XXXX  requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX XXXX  RECIEVED THE BELOW : XX/XX/XXXX XXXX. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
USAA FRAUD CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY XXXX  AND USAAXXXX Confirmation XX/XX/XXXX USAA XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (PA)

Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments. 
The method of reporting continues to compromise credit score and creditworthiness.
Consumer complaint received 2020-04-05
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. (AR)

It is impossible for Experian to know if I was in receipt of any goods, moneys, or services due to fraudulent accounts reporting on my credit file. There are accounts being reported on Experian credit file that I have been disputing for several months. Experian recently sent a letter to me stating that i had received goods or services and that the were not able to honor my request. I find this very discriminatory, biased, and impossible for Experian to have such knowledge as such. I recently over the past 60 days have contacted Experian through direct mail and phone about several accounts reporting on my consumer credit file that were established without my knowledge and or consent. I recently received a copy of my credit report from Experian which stated nothing more than it was just a copy of my credit report. I also took the initiative to file an identity theft report which included some of the fraudulent accounts in question as well as the fraudulent addresses. Experian has failed to provide a reasonable investigation within the 30 day time frame allotted per the Fair Credit Reporting Act which is a violation of my consumer rights. In addition unlike XXXX and XXXX Experian has failed to provide a block within 4 days of being notified by a consumer who's been a victim of identity theft. Experian has had more than enough time to complete an investigation but continues to violate my rights as a consumer by continuing to report the fraudulent accounts to my credit file. I find this totally unacceptable and Experian should be held liable. The accounts in question are XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  # XXXX
Consumer complaint received 2024-02-27
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. (TX)

Efforts to dispute these issues have yielded no results. Enclosed is the letter I sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter seriously. Failure to address my original request, sent via certified mail, will prompt me to file a complaint with the Federal Trade Commission against your company. I insist on a thorough reinvestigation of the following information and request proof of the alleged item, such as a contract, note, or other document bearing my signature. If such evidence can not be provided, I demand the prompt removal of these items from my report.
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I booked a hotel in Hawaii using Capital One Rewards. The booking was forXX/XX/2020. When Covid-19 began to spread, it became apparent that it wouldn't be safe to travel from our home in XXXX California to Hawaii at that time. I am in the high-risk population for contracting the disease, XXXX years old with underlying health condition. 
I contacted the hotel to cancel the reservation, and I contacted Capital One to inform them that I would not be traveling. 
They have informed me that this was a " non-refundable '' purchase. However, I believe this situation would amount to an " Act of God '' which should override such an agreement. 
They claim that I did not contact them, because, apparently the rewards department is separate from the ordinary credit department. They further claim that the reservation was not cancelled, which it was. 
Further, Capital One did not pay the hotel for the reservation, so they have incurred no expense
Consumer complaint received 2016-12-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AR)

This complaint is new but related to our earlier complaint # XXXX. That complaint was lodged against XXXX Mortgage because it appeared that they were paid off by our new mortgage company in a refinance. I have discovered that XXXX did not receive the payoff as our loan was sold just prior to that event. The new mortgage servicing company for just a few days was LoanCare. LoanCare is the company which should have sent us the funds that were held in escrow for taxes and insurance. We finally received a check from them today, XXXX XXXX, 2016 but it is short {$46.00} from the amount shown on our last monthly statement. We are under the impression that escrow money is not something a company can just take any part of for themselves, but dedicated to payment of the homeowners ' taxes and insurance. Additionally, I ca n't imagine what they removed that amount of money for as they were well aware that they had purchased the loan on the first of XXXX, 2016. We have attached documents which clearly show what happened. Thanks, XXXX and XXXX XXXX
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

I requested a refund for student loans that i completely paid off from Edfinancial Services on XX/XX/XXXX for the amount of {$16000.00} which I paid on XX/XX/XXXX. When I called to ask for a refund, they stated that it would take 6-8 months for them to reinstate the loan. Why is it taking them this long to reinstate, and possibly affect my loan forgiveness, especially when other major student loan providers have a 72 hour reinstatement timeline? Thank you for your help.
Consumer complaint received 2022-08-11
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

ON XX/XX/2017, I HAVE HAD A FRAUDULENT ACCOUNT APPEAR ON MY CHEX SYSTEMS REPORT. XXXX  XXXX XXXX XXXX SHOULD NOT BE ON MY REPORT. IT IS FRAUDULENT.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. I have previously opened XXXX different cases for this account, the first with XXXX Bank with case # XXXX, then XXXX with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, The BUREAUS with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to The Bureaus. 

No one wants to state claim to this account, what I am asking CFPB to do is since neither XXXX wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have XXXX XXXX TRANSUNION remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

I have tried to open disputes online through the portal where I have an account but continue to get an error saying I cant dispute online. This has been a nuisance as Ive had this account for several years but always have issues where I can not dispute anything. They are advising for security reasons but that doesnt seem right as I am accessing my request from my account.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

We are processing papers for a bank approved short sale when I was admitted in the hospital for XXXX XXXX hence I could not complete my papers before the deadline and the mortgage company has decided to go ahead with foreclosure. My husband is sick with XXXX, just had XXXX therapy. The mortgage company is PHH
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to EQUIFAX on XX/XX/year>. It's been well over 30 days since. I have not received a response from EQUIFAX whatsoever. I will attach the dispute letters I have sent toEQUIFAX.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, Friday morning, we were charged at {$1200.00} by Capital One for flights to XXXX. 

I found much cheaper flights and tried to cancel the previous ones under their " 24 hours or less rule. '' The first operator said I could since they measure said rule by business days and we were on a Saturday. 

This is were I got greedy in my skills to beat flight algorithms and said I will XXXX it later, now assuming at this point that I had time. 

On a later call with a different operator that evening we were denied. The supervisor got on the line and was going to punish the first operator for doing her job skillfully. 

The way I was treated caused me to have an episode that had rippling effects. I was put in financial strain on top of moving to a new city on my own. Their mistake also caused the hotels, car rental, meals, etc. to increased. 

The $ XXXX that I was going to save turned to - {$1000.00}
Consumer complaint received 2015-12-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Campus Student Funding, LLC (HI)

I was affected by the XXXX XXXX XXXX XXXX College closure in XXXX 2015 (? ). I just received notice that my Federal loan has been approved to be discharged, but what about the private loan that they made me get through XXXX XXXX ( which the bills are now coming from University XXXX XXXX XXXX XXXX XXXX for Campus Student Funding? How can I get that loan discharged? Or GREATLY reduced since I am now paying for something I have n't received ... an education ... a college degree.