davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
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. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2020-09-14
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. (GA)

I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section XXXX of the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

I have filed a claim for a slew of charges I uncovered on or about XX/XX/2018 with my credit card company Chase six charges for {$160.00}, a charge for {$1500.00} and another charge for {$1100.00} totaling {$3600.00} with a company called XXXX XXXX XXXX based in XXXX XXXX XXXX  but that seem to communicate in Spanish and is allegedly engaged in the sale of time shares in other jurisdictions out of the united states. Chase my credit card company was ask to investigate the charge and provide me with evidence to substantiate these charges, they have neither investigated, nor provided or asked for any proof, they also refused to provide me with a copy of the response they allegedly received from the merchant. This conduct is usually indicative of bad faith when a powerful processor and a large financial institution try to suppress and circumvent the process of investigation in total impunity, they were also asked whether they had a business relationship with that merchant Priviledge or its affiliates that could cause them to have a conflict of interest in administering the claim, they refused to answer, they denied to provide any information about the investigation and denied the claim and validated the charges.
Consumer complaint received 2018-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

As of Saturday, XX/XX/2018, I paid my XX/XX/XXXX payment on XX/XX/2018, I have called several times, but still not posted. Naviet said I owe them back fees fro. XX/XX/XXXX to date and along with XX/XX/XXXX {$10.00} flate fee, not true. All said back fees were paid with a Repayment Plan payment 6 months ago for {$250.00} Naviet will not split the fee and payment and credit me. My complaint is emotional harassment and frustratation about their deviance and unethical managing our student loans. I am filing to jump on board the different State Attorney Generals who are suing Naviet for their practices. Thanks XXXX XXXX, Naviet customer and XXXX Struggling Veteran paying my Student Loans.
Consumer complaint received 2021-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NJ)

Yes, I paid my debt for an auto debt on XX/XX/XXXX. Was sent a letter that was paid on XX/XX/XXXX. On XX/XX/XXXX it showed on my credit report that it was not paid. I will like it off my credit report or at least showing with a XXXX balance.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft. I have attached report showing the accounts and inquiries that are inaccurate. I have contacted Equifax on multiple occasions, yet Equifax has not removed the fraudulent information.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00}
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I.C. SYSTEM, INC ( Original creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (AZ)

Crown Asset Management and their XXXX XXXX XXXX XXXXXXXX have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX Accounts that Crown Asset management and XXXXXXXX XXXX XXXX have tried to collect on : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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. (OH)

This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below :  XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS has purchased and serviced my two mortgages for MANY years now. The 1st mortgage was paid via auto deduction monthly. Never has a payment been missed. The 2nd mortgage was paid for monthly via a manual prices in the amount of $ XXXX $ XXXX monthly. Never has a monthly payment been missed. 

Recently attempted to refinance however was declined specifically for the condition of my second loan which currently doesnt show a clean payment history through to current and also doesnt appear on my credit report. 

Roughly six months ago received a re modification package from SPS on the second mortgage. I called to discuss the refinance process about to occur and asked about how to proceed considering. I was advised to not execute the modification and continue making my payments. 

About four months into the refinance process we switched lenders due to how long it was taken. It wasnt until this switch that we discovered that while SPS was still accepting and applying my payments, that they were actually accruing money and not applying. Of the last four months, the last months payment of {$220.00} was rejected and returned while the previous three months of {$720.00} were collected, half but not applied. 

No communication. No guidance. It wasnt until a phone call earlier this month that i I was advised the loan matured in 2017 ( still they accepted and applied my payments ) and until just recently, stopped. They have not been able to supply a reason and have not been willing to work with myself or my current lender.

I have submitted a dispute, have applied for re modification with them and have submitted this complaint to you as well.

Income and credit score are superb. The only thing preventing me from bettering my families mortgage position is the handling of this loan with SPS. 

I feel like Ive been misled, have not been communicated to with any true or clear effectiveness and am now stuck likely having a budget impact of a {$600.00} swing in the negative monthly.
Consumer complaint received 2020-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/2020 I have paid my mortgage to XXXX XXXX  XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
Experian, XXXX, XXXX  never posted my XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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: Foris DAX, Inc. (CA)

Crypto.com is refusing to follow Visa Guidelines on reported Fraudulent Charges against my Visa Debit Card. 
All requested Purchases by me were discontinued in XX/XX/2021. 
In XXXX, XXXX and XXXX There was about 49 Transactions that had occured without my authorization.

I have finally got into contact with Crypto.com a few days ago and was ask to send a personal photo of myself for verification.

I do not insert personal photos over the internet to strangers and provided all sensitive info that could verify myself and was refused help to dispute the charges.

Upon request of a mailing address or contact number I was told they do not have one that only way i can verify its me is via personal photo.

Requesting help to recover stolen funds
Consumer complaint received 2020-11-18
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: DISCOVER BANK (TX)

XXXX unlawfully charged my Discover card for {$75.00}. When I contacted Discover about this issue and to not honor XXXXXXXX XXXX  said fee, I was ignored and the said amount paid.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On or about XX/XX/2020, I requested that money which been refunded into my CITI credit card account by an airline for refunded airline tickets. be transferred to my XXXX checking account. Between XX/XX/2020 and XX/XX/2020, I contacted CITi regularly through its " Chat '' system. 

During various times, I sought to contact CITI via phone. The wait times were so long that I gave up. Indeed, my wait time on one " chat '' lasted in excess of 35 minutes. all wait times were excused because of the virus. My phone even disconnected twice. The waits were so long my APP on my phone closed.

So I resorted to the " chats ''. All of these chats remain a part of my record. Interestingly enough CITI does not provide anyway to download these records, so if you want them I can send you screenshots that are quite extensive.
During each of these " chats '' I was told that I would have to wait 3-5 or 2-3 business days for the money to be transferred. This continued to be the case long after 3-5 days had passed. During this time I was also told it was " federal banking regulations '' that caused the delay. I asked for the regulations. I was told they didn't have them and to call CITI. 
Then after several tries on XX/XX/2020 the CITI 'chat person ' told me there had been an error and that I needed to fill out another form. I did. 
Then I called on XX/XX/2020 and waited again BUT I finally got a supervisor. He gave me a confirmation number and a time the transfer was initiated and that it would be 3-5 business days before  my bank XXXX XXXX  got the money. I told him I wasn't satisfied. He offered me {$10.00} so I countered with {$100.00}. He couldn't go any higher than {$20.00} so I took it. 
I remain completely dissatisfied. If I was 15 days late on my payment to them of {$13000.00} I would have owed over {$100.00} in interest. In addition, the failure to be able to print/save their web chats, the failure to provide a human being to talk to, the failure to provide an email address for complaints on their web page, their improperly blaming the federal government and other equally serious concerns give rise to this complaint. 
Further, I have sought the assistance of my Senator XXXX and that of Senator XXXX XXXX. If they are treating me this way it is clear they are mistreating an entire swath of the American XXXX.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IN)

My three requests for the XX/XX/2022 statement have not been fulfilled leading me to think a statement was not prepared at all, since I have not received it. Please either confirm that you did not generate a statement with a payment due date of XX/XX/2022 or forward the statement. Thanks
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Madam or Sir : I am writing to express my objection regarding my XXXX XXXX XXXX Account XXXX which shows negative marks ( late payments ) on my Transunion as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, XXXX XXXX with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written XXXX XXXX to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why XXXX XXXX should continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to XXXX XXXX and in fact paid off my account in full to XXXX XXXX nearly two years before the loan maturity date. It is the failure of XXXX XXXX to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by XXXX XXXX. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from XXXX in the form of their deleting their reporting from the Transunion and XXXX agencies. Otherwise, I think XXXX owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my Transunion and XXXX reports or to delete my XXXX account from my Transunion and XXXX reports entirely. 

XXXX XXXX XXXX contact information is : XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how XXXX will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-01-12
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: PDQ Services, Inc. (NY)

I recently checked my credit report and have found that PDQ Services Inc is reporting a collection on it. PDQ Services Inc is not a licensed Debt Collection Agency which is a requirement in the State of New York. Please remove the account for this illegal collection activity.
Consumer complaint received 2020-12-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XXXX 2020 I have paid my mortgage to XXXX XXXX  XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
XXXX, Transunion, XXXX  never posted my XXXX XXXX XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
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: Financial Credit Service, Inc. (FL)

Received call on my cell phone XXXX XXXX XXXX on XX/XX/2018 approx. XXXX XXXX eastern Said I owed some kind of debt and there was a summons for my arrest I told him to get lost and he said was going to call every day and twice on Sunday and that he was from XXXX  the town of XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Equifax- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.