davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (VA)

i have this negative remark in my credit report, by XXXX  XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I have two medical collections on my credit rekey stating I owe for doctor visits. I was not at this location. My husband ( at the time ) was the one with the visit under our family insurance plan. I have submitted a dispute and was denied removal. Reported XX/XX/21 Medical Data System, another XX/XX/21 I never received notices
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I receive automatic deposit of the Child Tax Credit on a monthly basis, into my checking account at Chase Bank. 

The issue lies in that they DEPOSIT over XXXX dollars of their money into my checking before I receive the CTC deposit. XXXX weeks later, Chase removed the, over XXXX dollars from the account. 

It causes such volatility in my account, and they said by law they have to do this if the account is in the negative, before the automatic payment comes in for the CHILD TAX CREDIT. 

I have requested many times and the most recent was XX/XX/21 I called the bank and even spoke with a supervisor to no avail. 

They said I would have to request a check instead of having the automatic deposit. 

As a consumer, it is not ok for a banking institution to freely credit or debit your account especially, with their money, and it being mandatory.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (VA)

i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Consumer complaint received 2017-11-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters Have called 3 times now since I had a credit app ran for a new place to live. This is the only way they have gotten my work number since I have n't applied for anything using that work number. They were told each time that it was a place of business not my personal phone number and if they needed to inform me of anything to send it in writing to my address ( since they got my work number they should also have that ).
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

XXXX Date XX/XX/XXXX, I am writing to bring to your attention a critical issue stemming from the deletion of information from XXXX 's records and the subsequent failure to comply with Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ), particularly in relation to FCRA 15 USC 1681i ( 8 ) ( d ). 

On XX/XX/XXXX, XXXX deleted information related to the XXXX XXXX XXXX XXXX  for File Number XXXX. However, despite this deletion, there has been a notable lack of compliance with XXXX XXXX standards regarding the issuance of carbon copy notifications to relevant sharing relationships, including third parties and other consumer reporting agencies. 

This failure to share and send a carbon copy notification to other consumer reporting agencies, such as XXXX and Equifax, has resulted in significant consequences. I have previously disputed the presence of child support accounts with both XXXX and Equifax. Had XXXX shared and sent a carbon copy notification to them, it is likely that these accounts would have been deleted. 

For your reference, the child support accounts are listed as follows on each consumer report : Equifax : Name of the account : XXXXXXXX XXXX XXXX XXXX, Account Number # XXXX XXXX : Account Name : XXXX XXXX XXXX, Account Number : XXXX This oversight has had severe consequences, damaging my character and significantly impacting my opportunities to purchase a home, purchase a vehicle, and obtain credit. As a result, I am facing substantial challenges in various aspects of my life due to this non-compliance with regulatory standards. 

I am reaching out urgently to request clarification on the steps being taken to address this matter and ensure compliance with XXXX XXXX reporting standards and the FCRA. Additionally, I seek information on the procedures in place to rectify this situation promptly and prevent similar incidents from occurring in the future. 

Please prioritize this matter, as it has had a profound impact on my life and financial stability. Your prompt attention and resolution of this issue are greatly appreciated. 

Thank you for your immediate action and attention
Consumer complaint received 2021-09-13
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. (CA)

XXXX, XXXX, and Experian continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

In XXXX of XXXX, I closed on a mortgage that was serviced by Specialized Loan Servicing ( SLS ). At the closing of the loan, I paid {$6000.00} from my own funds towards property taxes. This is clearly recorded on the HUD, and I have the receipts from the county tax office showing the payment was taken from my funds and mailed out by the title company. I also paid {$1300.00} to set up escrow with the servicer SLS. 
A year later SLS sent me a escrow analysis claiming they had paid the XX/XX/XXXX property taxes from escrow and that I now owed them {$4600.00}. I spent 8 months writing letters and making phone calls trying to get them to correct this mistake. I sent them the HUD statement, receipts from the tax office, wrote letters detailing their mistake. Finally, they made an adjustment to my escrow in XXXX of XXXX. Around that time, they refunded some of the money they had collected towards escrow and told me to wait until the new analysis. They also reduced my payments from a higher amount, which I was forced to pay to not foreclose. 
In XXXX of XXXX, I received a 1098 not showing the correct amount of property taxes paid. I called and asked them to fix it. Even though the representative acknowledged the mistake, she said she couldnt fix it. I put the correct amounts on my tax forms and inquired with the IRS about what to do in these situations. IRS rep told me SLS is required to fix and provide a correct 1098, but, to this day, they havent. Then, SLS sent me another escrow analysis, still with totally incorrect numbers that were not fixed. Instead of going back and fixing the error from the beginning, they just put a random amount as credit towards escrow. I called and request that they go back and do the works so the numbers represent the actual payments. The representative pretty much laughed at me and said they wouldnt do this. All I am requesting is a correct escrow statement representing the real payments and not some patched together statement with made up numbers. Also, it would be great if they could give me a correct 1098 for XXXX.
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CO)

On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

I have disputed this account ( balance with Midland Credit Management ) for the past year and 1/2. I  explain to them I do not owe the amount listed. I have requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX The bank participated in corrupt, confusing, unsafe and unsound practices. They have the available balance listed on the homepage but you have to click elsewhere to check the actual balance which is so deceitful. I was charged {$35.00} two times. I requested the bank refund me one charge of {$35.00} because one made sense and the other one didnt. 

I am also in a federally declared disaster area ( XXXX, NJ, XXXX XXXX ) due to the remnants of XXXX XXXX. The FDIC has provisions in place for banks to refund or eaive fees for a few months following a natural disaster. 

I was refunded in XXXX and because of that I was only asking for one fee back this time. I was a victim of flooding. 

I chatted with XXXX in the chat and she was unhelpful and also tried to tell me she could not trasnfer chats. SHe was just giving me scripted answers which are horrible. 
If you see exhibit a that is what I see on the homepage, Exhibit B is where XXXX told me to go and I had to click out of the homepage to see this!! How horrible is this this is so deceiving and the order in which they post transactions favors the bank.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2024, XXXX. I deposit around XXXX dollars cash to Chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. And, the ATM only took my cash and did not deposit it to my account. It only give me a receipt to let me contact with customer service. After contacting with them, they said it will take a few days to open an investigation to solve this problem.
Consumer complaint received 2017-11-21
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: DISCOVER BANK (NC)

Noticed a charge of XXXX. Called to dispute the charge was told I was bring charge for payment protection plan with discover card. I never signed up for the service but for some reason I was enrolled. Was transferred to have the service cancelled and was told that I had been enrolled since 2010. I asked for a refund for all the fees of the service but they told me I could only be refunded up to 6 months back. I talked to multiple representatives only to be told the same thing. Only going back 6 months was possible. That is n't right considering I was being charged for 8 years.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

NATIONAL CREDIT SYSTEMS is trying to collect debt that was not legally owed to the original company. Rent was legally withheld under Florida law Sections 83.56 and 83.60, Florida Statutes. A manager from XXXX even signed the document on XX/XX/2020. The company never followed up or did required repairs or control of pests. 

The Debt was not owed and the attempted eviction was withdrawn. We have the documents as well as a case number from code enforcement.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MS)

Security credit service I attempted to contact the company and let them know this is fraudulent activity on my credit report. I did not take this like of credit out. An ex friend of mine took my information and opened a line of credit. I also reported to dispute.transunion.com. this is NOT my debt.you can check the cameras at the establishment this line of credit was taken out at.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (DE)

Equifax provides a service called XXXX for {$19.00} which allows you to monitor your credit report among other things. I have not been able to acquire my Equifax report through my Equifax account and was told there was a known technical issue that was being worked on. 
I have spoken to XXXX customer service techs who follow the same routine to say they have escalated it to tech support and I will hear back in XXXX days. Meanwhile, I am paying for a service that does not work. 
My last call was to billing who told me they can cancel my account but can not give me a refund for my XXXX month even though they never provided me with the services I paid for.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XX/XX/2020 inquiry. XXXX XXXX XXXX. I did not make this request and have no idea what it is. No other credit agencies are reporting this. 
XXXX XXXX and XXXX XXXX  XXXX are the same inquiry and happened on the same date. The other agencies are reporting this correctly as one inquiry. 
Have tried to dispute this multiple times but the transition app and website keeps telling me that there are technical issues and to try back later.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (MS)

AVANTE USA at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$980.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-13
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. (CA)

XXXX, TransUnion, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to XXXX XXXX XXXX, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by XXXX XXXX XXXX.
Consumer complaint received 2017-11-20
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: DISCOVER BANK (IL)

My credit card was used at Florida where I never been there. Here are the details : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX FL {$400.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I have communicated with  XXXX  from bayview loan servicing on  XXXX / XXXX /   2017  and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying  XXXX  insurance.     In  XXXX   2017  I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of  XXXX   XXXX .     Consequently I made a payment of  XXXX  and this is reflected on my credit card statement.     I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me.     But the attitude of bayview loan servicing is like of a  XXXX . They are stubborn and they dont want to resolve their mistakes