davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX And the following inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Has violated my rights.

15 U.S.C 1681 section 602 A. states I have 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. With that being said, why hasn't XXXX and Experian Credit Reporting Agencies removed the accounts that are inaccurate. I have filed previously before with no resolution. This inaccurate reporting is causing issues with my livelyhood.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I had a credit card with USAA then they cancelled it. Acct no.XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

Denial of Service, I have had this Equifax Service for over 5 Years, I recently had changed it to a FAMILY Plan and had Disputed some of my Files Online. 
They continue to charge ME but deny me access to my Credit Reports. 
In paid for unlimited access which you can refresh Daily. 
Every time I call my calls are routed to XXXX? 
I had identity theft and I am trying to resolve but it is not easy when the very people that are supposed to investigate do not investigate thoroughly. 
Equifax wants me to submit various forms of identity to them but I feel they are part of the problem since my personal information gets sent to XXXX!! 
I have provided all my information over the phone but they still deny me for a PAID service and it is hard to cancel over the Phone.
Consumer complaint received 2024-05-07
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: AMERICAN EXPRESS COMPANY (FL)

America express or amended card has been denying us our securities and doing the remittance coupon processes or Negotial instrument using us funds all of these are 1 in the same and all I wanted was to pay on the account we keep getting denied which all debt are prepaid we have unlimited credit and all sum of money should be returned back to the creditor which we are 15 usc 1615 12 usc 1431 and XXXX
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Rausch Sturm LLP (AL)

I have XXXX claiming I open up an account in XX/XX/2013. 
I stated I did not open the account nor authorized a account to be open with this company. They sent me to collection company name portfolio recovery who hired a company to sue me Rausch, Sturm, Israel, Enerson and Hornik, LLC and Hornik XXXX sent a summons civil but no answer or reply letter.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

This account is on my credit report is more than 10 years old and Experian refuses to delete. 

XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX ....
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MI)

I opened a chase bank account and after few days, I have seen a decrease in my credit score. I contacted the bank regarding this and they didnt respond well to my question. Im very sure that I did not apply for any credit card from JP morgan chase bank. I saw a hard enquiry and my score went down by XXXX points on XXXX XX/XX/2021. Also very recently I approached XXXX XXXX to purchase a car and I asked them is it possible for me to get a loan. The sales representatives told me that they would he doing credit enquiry to finance me. They checked for several time and brought my score down from XXXX. Kindly help me with this. Thank you.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I've already complained to the U.S. Dept. of Education 's OIG regarding the fact that my Total and Permanent XXXX Discharge was approved back in XXXX BUT I NEVER GOT A REFUND OF THE GOOD FAITH EFFORT PAYMENT 'S I MADE TO THEN XXXX XXXX, AFTER THE TOTAL AND PERMANENT XXXX DISCHARGE WAS APPROVED! 
It doesn't " help '' that I did have an XXXX " free '' life line cell phone that was DISCONTINUED, AFTER I GOT SCAMED BY THE " XXXX XXXX XXXX XXXX OFFERING ... '' unlimited data and free wi-fi. '' Considering that I am a XXXX  recipient-beneficiary whose XXXX Benefits are... WAY BELOW THE U.S. D.H.H.S . POVERTY GUIDELINES FOR A ONE PERSON HOUSEHOLD, ALSO RECIEIVNG S.N.A.P. & MEDICAID, ( MIND YOU I'M " supposed '' TO NOT HAVE TO PAY OUT OF POCKET FOR CELL PHONE SERVICES ' ... NELNET IS NO DIFFERENT THAN XXXX  THAT CLAIMS TO BE " XXXX XXXX, '' OVER THE TELEPHONE! I ALREADY COMPLAINED TO THE F.C.C. ABOUT THAT, BUT THE POINT TO BE MADE ... SINCE NELNET WON'T PUBLICLY PROVIDE ANY CUSTOMER SERVICE CONTACT INFORMATION, ( DUE TO THE FACT THAT THEY'RE READY TO BE SUED FOR THE CRIMINAL BEHAVIORS ' ON THEIR END, ) " XXXX XXXX QUESTION '' TO BE ANSWERED IN ANY U.S. COURTS FEDERAL DISTRICT COURT ( S ) ' ... WHY DIDN'T I RECEIVE MY REFUND CHECK? HOW MANY PEOPLE BORROWERS ' HAS THAT HAPPENED TO? 

NELNET BETTER BE READY TO MAKE A SETTLEMENT OFFER, UNLESS THEY CHOOSE TO GO TO COURT ... WHAT DOES THE U.S. ATTORNEY GENERAL DESIRE? THE EXECUTIVE U.S. ATTORNEY?
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2017-03-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (AL)

I have been trying for a number of years to geat a problem solved with Synchrony Bank formally GE Money Bank. In XX/XX/XXXX I purchased a XXXX which was financed by GE Money Bank. Due to circumstances beyond my control in XX/XX/XXXX I filed for XXXX bankruptcy and this account was part of that bankruptcy. I have been trying thru phone calls and writing the company to get them to pick up their property ( XXXX and trailer ). I sent a certified letter to the company at PXXXX GA XXXX on the XX/XX/XXXX which was signed for on the XX/XX/XXXX. The letter asked for the bank to either pick up their property or release the lien so it can be disposed of. As of this date I have received no response. Any help would be greatly appreciated since this has gone on for 10 years.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX XXXX XXXX and XXXX and he conducted about 30 loans which all hit my credit file. XXXX ask me about the forgery by XXXX XXXX under complaint XXXX & XXXX ask me about having account information @ Huntington Bank and XXXX XXXX  XXXX  neither have I done mortgage or credit card business with but XXXX XXXX here from XXXX on an XXXX  is an computer professor and stole my identity PLEASE CONDUCT AN INVESTIGATION PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOAN # XXXX
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

Started a refi, initiated by Freedom Mortgage, our existing company, on XX/XX/21. Numerous roadblocks and hurdles, some of which make sense and some are a mystery to me. Received someone else 's paperwork via mail during process. Call placed by workers apparently working from home, using cell phones not connected to company, who introduce themselves and ask for private info so I can prove who I am. When I refuse and call the main line passed from person to person without end. Refi still not done. Told today via email that I must pay off my HELOC with another company because Freedom Mortgage will not honor subordination agreement from my credit union ( standard agreement that credit union states they have used many times with this company and others ) because Freedom Mortgage wants the subordination agreement to say that the mortgage agreeement can increase to an unspecified amount because " of the CARES Act ''. I've tried to reach someone at Freedom Mortgage to ask for more information and have been unsuccessful. 
Biggest concerns : Shared someone else 's personal financial information with me Ask me for my information on a " unsecured line '' Unprofessional communication/passing me from person to person and giving reasons that don't make sense...
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (WA)

I have been trying to -0- out our accounts with BMO and cancel them. Have sent them multiple letters and payments. They continue to post our payments to the wrong account and as a result create service fees or past due charges to our accounts. I filed a complaint with you # XXXX regarding this same matter and thought it had been corrected, so I fulfilled my part of the solution. I have sent a letter to the manager of collections on XXXX XX/XX/XXXX explaining BMO had again posted our payment to the wrong account but the only reply I received was another statement which did not reflect a correction to their error. I tried today to call their number for customer service, reached some individual in XXXX, who spoke heavily accented English and I apparently did not understand options so did not properly answer security questions. I therefore could not determine if they had received my letter explaining their error. Please refer to my prior complaint, listed above, for account numbers, etc. Filing a complaint with your organization seems to be the only way I can get the attention of and any correction to BMO 's errors.
Consumer complaint received 2022-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX my wallet was stolen which contained all my personal valuables including my bank cards and identification cards. 
I did file a police report and reported to the fraud dept of Bank of America. 
Bank of America is not helping to fix this issue as my credit card was used to purchase items worth over a thousand dollars and Bank of America is saying I have to be responsive for that payment made from my stolen card.

Bank of America claims credit cards have pins and my pin was used on purchases but my credit card has no pin.
Consumer complaint received 2017-02-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. 

After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. 

The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. 

I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX XXXXccording to 15 USC 1692a ( XXXX ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the XXXX will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : XXXX. XXXX of XXXX Report
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (MN)

The original debt is with XXXX XXXX XXXX of the XXXXXXXX XXXX. There are several problems with this debt in which I had at least 6 phone calls with XXXX about the following : 1. I was not made aware when they came and knocked on my door trying to get me to sign up for their services that I would be entered into a year-long contract with their company. The rep did not tell me this nor is there any contract that I received a copy of stating this. 
2. The amount of the debt is for 4 services, plus one 30 day follow up service to the first of the four. The company only performed one service and the follow up service, that was it. 
3. XXXX is a pest control company. I hired them expecting them to be able to get rid of the mice in my garage. After expressing to them on more than one occasion that I really needed help in my garage with the mice, their employee placed ONE poison " house '' outside of the garage and that was it. 
4. The poison they placed in my yard was easily accessible by my pitbull that has a strong desire to chew up plastic items and the item they put in my yard was plastic and therefore could have killed my dog. The poison was also outside of my garage, the mice were living inside the garage so not sure how well they thought this attempt to kill them would work. 
5. After the above happened, I called the company to complain and was told they would not send a tech back out, to just wait at least 2 more weeks to see if the problem still persists. TWO WEEKS WITH MICE? By that time they would have multiplied by at least 4x. 
6. Once I realized the company 's level of incompetence, I told them to not come to my home again, that I was hiring another company that knew what they were doing and would do the job correctly. Which I did and the mice were gone within one week of them coming to my home. 

I have tried to explain to XXXX it is completely unfair that I wasn't made aware of the fact that what they were signing me up for was a year long contract. Also that I didn't receive any kind of paperwork stating such. They were not sympathetic and told me i had to pay for all of the services, even the ones I did not receive. I feel like I should not have to pay for anything I did not receive, and I also think the " services '' that I did receive were so far from what is expected that I should not have to pay for those either. They continued to call me and ask for money even though I told them the same thing every time. Then when I would ask to speak to a supervisor, I was told I can't and that it wouldn't make a difference anyways, since no one would help me.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (PA)

I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from Mohela on XX/XX/year>, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. 

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. 

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. 

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. I look forward to resolving these issues with your support.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Debt collection for {$600.00} not aware of the debt and the company it was originally owed to. This XXXX continues to harsh by multiple phone calls. 

This debt has been on my report for a very long time affecting the report by XXXX XXXX.