davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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)

In XXXX of this year, I checked my credit report via the online Experian credit reporting site. At that time, I was aware that I would be charged XXXX dollar for a on-line copy of my credit report. While checking my credit card statement, I found that I had a recurring charge of {$21.00} charged to my account on XX/XX/2018. I have attempted to contact Experian at the number provided ( XXXX ) multiple times, but after following voice prompts am left on hold without anyone ever picking up or answering. 

I never agreed to this service, nor did I request it. I am unable to contact anyone so I that can cancel the credit monitoring service. Experians business practices and default auto enrollment in their credit monitoring service is deceptive and unethical. I would like the charge for the credit monitoring refunded and the service terminated.
Consumer complaint received 2023-04-04
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)

Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXX  due to incorrect information. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ME)

My house was flooded in XXXXXXXX XXXX during hurricane XXXX. XXXX paid out my flood insurance claim, in two installments for XXXX and XXXX. I received the first check in mid XXXX and have applied all of it on work on the house. I received the second check on XX/XX/XXXX and forwarded it to MR COOPER for their endorsement. As of today XXXX XXXX, they have refused to disperse any of the funds. They required an inspection which I complied with on XXXX XXXX. They have never contacted me and I have to contact them when I have questions. The website shows the inspection was cancelled and they don't seem to be to update their system. I did talk to someone who acknowledged the inspection was completed but stated " only 12 % of the reconstruction was completed and will not give me any funds until 25 % of the reconstruction has been completed ''. When the walls were opened up for reclamation structural damage was found and had to be repaired before reconstruction could continue. I received an invoice for XXXX due on XX/XX/XXXX and MR COOPER will not pay it. I have been forced to apply for a second mortgage to pay my XXXX. I feel MR COOPER is intentionally with holding funds for a nefarious purpose because the insurance money has all gone toward restoring my house ( which I obviously can't live in ) and there is no justifiable reason for not releasing the insurance money.
Consumer complaint received 2022-04-29
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: DISCOVER BANK (NY)

In accordance with the Fair Credit Reporting Act Discover, accounting ending in XXXX, 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 a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

Fedloan Servicing is still showing my account as open when in fact my loan was transferred to another servicing company. Now on my credit report both accounts are showing on my credit report as if I have all of this debt when I don't.
Consumer complaint received 2023-03-21
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: AMERICAN EXPRESS COMPANY (NY)

There was a false charge for {$100.00} on my American Express card from XXXX. I disputed the charge and the dispute was resolved in my favor ( see attachment 1 ). XXXX responded by simply re-charging the amount to my credit card, which is against the terms of their merchant agreement with American Express. I put this new amount into dispute. American Express responded by conducting a XXXX mouse fake enquiry, contrary to the requirements of the Fair Credit Billing Act 1974 and recharging my card the {$100.00} it had already found in my favor. This is wrong on a whole host of levels ... and exposes the American Express disputes investigation process for what it truly is - a great sham. 

1. How can Amex resolve this second charge against me when they have already found this exact charge for me in an earlier dispute?

2. The Fair Credit Billing Act requires Amex to " conduct an investigation yourself and that you set forth the reasons why you believe my account was correctly shown ''. The Act also states : " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. 
3. Amex did NOT conduct a legitimate enquiry- they simply sent a computer generated, unsigned " receipt '' which provides no details of what the charge was supposedly for. Amex also did NOT satisfy itself that the goods or services were actually provided, contary to the requirements of the Act 4. In my dispute letter ( attached ) I pointed out these requirements. They were ignored, even though I had spelled out their responsibility in my dispute letter to them.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Forster & Garbus LLP (NY)

I was violated by FORSTER & GARBUS LLP. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by FORSTER & GARBUS LLP, for the amount of {$38000.00}. Exhibit A provided show how I was violated by FORSTER & GARBUS LLP, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that FORSTER & GARBUS ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) Forster & Garbus reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

In the early days of XXXX of 2019, I notified Experian of two specific accounts that were reporting on my credit report that were established due to identity theft without my knowledge and consent. I then immediately filed a Police report with my local authorities informing them if this matter. Since I have sent Experian a notarized letter of dispute, an affidavit, as well as a copy of the police report. It has now been beyond 30 days an I have not received any correspondence from Experian regarding my dispute. I am well aware of my consumer rights under the Fair Credit Reporting Act sections 605b, 609, and 611. Experian now is in violation and I expect them to adhere to the FCRA by removing the accounts XXXX # XXXX & XXXX # XXXX.
Consumer complaint received 2023-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company, INC (TX)

I am asking for validation of the debt and collector advised it will hit my credit in 2 weeks, regardless of the dispute filed. I advised they need to send me information about the debt - validation letter. Collector then advised, I must have everything finished by XX/XX/XXXX? 

The company isnt allowing the allowed 30 day window to receive information and to dispute if needed? I have requested the debt validation letter to be mailed during todays conversation XX/XX/2023. This was my first conversation after receiving a text from them XX/XX/202XXXX CREDIT SERVICE COMPANY , INC XXXX CSC Is the company. 

Please review.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

HUNTER WARFIELD INC.

15 U.S.C 1681 Section 602 A. States I have a 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 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I had two credit cards with HSBC credit card services ... ..one of which HSBC for some reason showed I had a XXXX balance online for several months, only to reportit as charged off, in which I contacted them to inquire, and they made an error on their part, and said they would fix the credit report error and restore the account so I could continue making payments. I attempted to log in and was unable to setup payments, sent them an email, only to have them AGAIN report it on my credit as a charge off. Contacted them AGAIN, only to have them admit error again, and they would correct everything, in which they sent me a response issue was fixed, I log in to my account to attempted to make a payment AGAIN, and unable to do so, and I send them another email advising I'm unable to setup a payment online, and a few days later, again they reported a charge off on my credit report ... ..to which I sent them an email, and haven't heard back at all.. 
I have all email correspondence, screenshots showing the balance was XXXX for several months, and screenshots showing records on the same account showing it was charged off three times within 6 months. I'm currently seeking legal counsel as this has impacted my ability to apply for credit to purchase a home, and caused multiple credit cards to increase my interest rates, causing me further financial stress, which has caused stress, resulting in XXXX XXXX XXXX and several trips to the hospital with the cost of prescriptions, and potentially damage to my long term health as a result. I don't care how many of the best lawyers they have, I will unleash this information on every media outlet online and post names of the individuals from emails who said they would fix the issue but failed to over and over and over again.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: Monterey Financial Services LLC (MA)

XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX  legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever. 

Every effort of XXXX to XXXX was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANDY SPRING BANCORP, INC. (VA)

Wife was victim of a phone scam. She sent money via our banking app, but we immediately identified it as a scam and tried to contact the local branch of Sandy Spring Bank. They refused to assist in the cancellation of the illicit fund transfer or assist in any sort of fraud reporting. We have lost {$500.00} to a scammer and the bank has done nothing to assist despite being notified immediately and having the ability to halt the transfer.
Consumer complaint received 2021-06-01
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. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.
Consumer complaint received 2020-12-04
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. (IL)

Dear XXXX XXXX XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards mr and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Having issues with capital one card ending XXXX I unfortunately was late only one time in XXXX XXXX XXXX spoke to XXXX at XXXX due to not being able to get into their portal so I had to call In and explain the situation. The agent ask me if I had any issues paying due to covid which I did.She took an application again to waive the fee and stated that I did not have to pay but I did pay however I notice following months my monthly bill was not reset nor did the balance go down so I immediately call In and reference my call again and was told to me a letter will be going out after they look into XXXX and XXXX calls and the applications I did twice remind u only late once. 

This has been. An ongoing nightmare and still have not received anything via mail. 

I also called today and mention to him reason why I'm calling and stated no letter came to me. I explain that they dont send out letters it appears every time I call it's something else with no resolution. 

I also asked him about agency that oversee credit card issues and instead of him looking into it from his superior it was stated to me which is incorrect that it is no agency or dept that assisted with customer issues which again. Is incorrect info which is evening more frustrating. 

This is the worse credit card thus far I regret ever having it
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

There is a {$970.00} debt collection on my credit report. Originally the collector was XXXX XXXX XXXX. I disputed this through XXXX and it was removed from my credit. It is now showing up again with a different debt collector. I do not know what this debt is or why it has been passed off to a different collector after being removed once.
Consumer complaint received 2021-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fein, Such, Kahn & Shepard, P.C. (PA)

Hello I opened a HELOC in XXXX. Paid on time every month. In XXXX the bank decided to sell our loan to another company. Before we knew this we were not late. 
We tried to make the payment and the account was close. No one had any info for me. 
Since that time I've opened other accounts and this issue never came up. 
In XX/XX/XXXX, I decided to try to put our home on the market, so I had a title search done, it was then that I found out that this other company had our loan. 
I called to confirm who they were after a couple hours and a call back I was informed that this company purchased my loan in XXXX from XXXX XXXX  now known as XXXX. 
It was Purchased for {$58000.00} and they are saying we now owe {$87000.00} They issued a complaint for foreclosure. I never received a Act 91, I never received any info or documents on who to pay how much to pay, and when to pay. 
I feel this is predatory because they allowed the interest to accrue without the options to pay. Keep in mind when they sold the loan I wasn't on any payments because I had to options to pay, One was going into the account to pay directly the other was drifted from the bank that I was opened with the bank. 
I am soliciting you help in this matter so this dose not happen to anyone else. 
Thank you
Consumer complaint received 2018-02-12
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. (MO)

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX  credit file and find that my personal information was breached.
Consumer complaint received 2021-02-03
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. (FL)

On XX/XX/XXXX I requested removal of late payments off a closed credit card account with XXXX XXXX XXXX. They did not respond and I wish to have the late payments removed or the whole account removed from my report. It is preventing me from getting increases on my credit card limits.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the are non compliant and negligent with the information they are producing on my behalf.
Consumer complaint received 2023-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

Professional Credit Management falsified statements to obtain a default judgement against me. This is not my debt and I have not been served, nor has anyone in my household has been served. It is illegal to obtain a judgement without serving someone. In addition, this is not my debt! Release the garnishment asap!
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has overcharge fees on my checking account and my account is negative. 
Bank of America has major issues and Bank shouldn't allow any transactions if there is no funds in my checking account. 

I am XXXX XXXX and Retired.We have a major issues with financial hardship and Covid19 Pandemic issues.