davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-09
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: EQUIFAX, INC. (GA)

I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Equifax, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Equifax was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX/ XXXX onXX/XX/XXXX
Consumer complaint received 2022-09-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

This is a workers comp claim for a emergency room visit. The hospital was told its workers comp and yet they still harass me for this debt. We have provided the comp claim number to them and they refuse to accept it. I cant make them accept it. This is unfair and unethical business practices. Look at my previous debts. All have been paid. I guess its ok to ruin a persons credit based on what a company says to be true. Please look Into this
Consumer complaint received 2018-01-08
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. (TN)

1. XXXX XXXX XXXX XXXX You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 6 mos ) Term 120 months Payment History Youve made 45 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00}
Consumer complaint received 2020-08-19
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. (NE)

I have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported information.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MD)

My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy federal will not let me reopen my account due to collections that were paid back in 2018. They said I settled for less on the car loan which satisfied the account back then. They are stating I would have to pay {$3000.00} and they are trying to disregard the {$2100.00} I paid to settle the account. Essentially, they want what I paid plus {$3000.00}.
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I disputed a bankruptcy  XXXX  XXXX with case number XXXX that XXXX is wrongfully reporting on my credit report because this bankruptcy is not mine and you are reporting inaccurate information on my credit report. My name and last name have been mixed with someone else file by XXXX, and I am requesting XXXX to remove or delete this bankruptcy immediately. 

I disputed this bankruptcy with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. and you responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but XXXX didn't remove or deleted this bankruptcy. 

XXXX used my first name and middle name to mix my Information with someone else court records. I will provide a copy of my social security card as my identification showing my full name. 

Remove or delete this bankruptcy immediately because it is NOT mine and you are reporting inaccurate information on my credit report.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PlusFour, Inc (NV)

XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.
Consumer complaint received 2017-12-01
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 — Their investigation did not fix an error on your report
Company: Onity Group Inc. (FL)

OCWEN Loan servicing extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on XXXX in XX/XX/XXXX. XXXX balance. Not XXXX. OCWEN never provided an Origional mortgage document because the loan was Purchased from XXXX XXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My XXXX NO LONGER even shows my OCWEN half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XX/XX/XXXX and XX/XX/XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON OCWEN TO STEAL FROM ME!!!
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

The website redesign is non-functional as a banking website. There is no way to provide Navy Federal with this information because the non-functionality of the site prevents communication that the web site is non-functional. I have tried to tell them over the phone, but they just say that it is fine on their end. Of course, it probably would be " fine on their end '' because they are on the same server, but they are apparently not savvy enough to understand why that would be. It is not functioning on the internet beyond ( outside ) their own servers. They apparently intend to render people 's accounts and money entirely inaccessible and pretend that everything is fine, the same way they fail or refuse to respond to other complaints about unathorized ACH debits or provide copies of checks. For several months I have been unable to get the text message or email to enable the linking of an external bank account, and the " automatic early release '' of direct deposit IS NEVER AUTOMATIC. I have to call in every single month to have my direct deposit released, and they pretend it is all brand new, like I haven't been told EVERY SINGLE MONTH that the release of direct deposit funds is supposed to happen automatically, but of course, " I must be talking to the wrong person. ". Of course.
Consumer complaint received 2017-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (AL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60s days late as XXXX XXXX I am not sure how this happened because I believe that I made my payments to you when I received my statements. I have held this loan with your company since XXXX and I have made all payments on time so my only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-11-30
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. (SC)

I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.
Consumer complaint received 2022-09-11
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)

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-12-01
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: JPMORGAN CHASE & CO. (TX)

What a way to start the day! 

My checking account at Chase was hacked in great detailed and all my information was used to fraudulently order over {$350.00} worth of a dietary supplement from a company in California that is easily available locally for about {$75.00}. 

Chase can not help since all my information was " verified '' by the California company and it is now incumbent on me to prove my honesty! They suggested that I call the merchant directly to perhaps " work something out ''! 

I called the California company directly and a person with unintelligible English at an obvious boiler room call center tersely told me that I had to deal with my bank, wished me a good day, and unceremoniously hung up!

I called Chase back and they once again told me that the merchant had verified all " my information '' which, if all the current info on hacking on the internet is correct, can be easily lifted by hackers. They even said that the merchandise had been delivered directly to me!! 

Anyway, the Chase fraud staff told me to XXXX XXXX XXXX and I have been stuck with the {$350.00} charges! Oh ... ..but they did wish me a happy holiday!!!! 

Ya know, XXXX, the scammer went as far as telling Chase that the stuff was delivered directly to me!!! 

The " stuff '' is XXXX XXXX and XXXX XXXX. I opened an email from from these people offering trial samples of each product for {$3.00} ... ..I deleted the email when I read the tiny print that said an automatic shipment of each product would start at {$90.00} each if I did not contact them to cancel my " contract '' within 10 days ... ... that 's when I deleted the email and that was the total indirect contact I had with that company.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

On XX/XX/XXXX, I had recieved a letter from XXXX XXXX XXXX, for an account with XXXX XXXX. We had XXXX camera equipment through XXXX. The letter was a settlement to pay off the account and close it, for the amount of XXXX. I took the deal, and was under the impression it was settled then closed. On XX/XX/XXXX, I recieved a letter from Transworld Systems Inc, stating I owe XXXX for an account with XXXX XXXX. I have the bank statement showing the amount was paid on XX/XX/XXXX.
Consumer complaint received 2018-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a mortgage with Bank Of America, and owned my home for 23 years.I was never late just one day in 2013 i ask the bank about a refi to help lower my payment, They told me about there hemp program so we went threw the process and they lowered my payment and everything was all set they told me several times. for over a year or more i payed them and was again never late then after the 13 or 14th payment they refused taking anymore payment and fought with me and said i never payed them. I had all copys of the cashed checks to them and they put down on my credit i never payed. So then i hired a lawyer to help with this a to make a very long story short the judge denied me a trial and never gave me the time of day so they took my home and i cant appel it because iv spent so much money fighting this and the XXXX federal judge at te end said " check Mate '' what ever that means. This is mind blowing and unfair. I even ask our attorney general for help and XXXX XXXX and still no one will et back to me. Can someone please contact me and help with this. 
XXXX
Consumer complaint received 2018-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that Experian has posted to my report. They have allowed XXXXXXXX XXXX  to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

My BarclaysUS credit card account XXXX payment in the amount of {$3100.00} was mailed XX/XX/XXXX. The check cleared my credit union on XX/XX/XXXX but on XX/XX/XXXX I noticed that the credit card account balance still didnt reflect my recent cleared payment. 

The statement cycled XX/XX/XXXX so I was charged another month 's interest for the error and my credit report does not reflect the accurate account balance because of the error. I contacted Barclay on XXXX and they insisted that the 7 day check payment processing delay to review the missing payment didnt take effect until XXXX and that I should call back later. I called back on XX/XX/XXXX and opened a case # XXXX for the lost payment with employee XXXX XXXX XXXX. She informed me that the payment research team has 1 to 2 billing cycles to respond to my inquiry. A 67 delay to find a lost payment is unacceptable. 

I ask the CFPB to hold BARCLAYS US accountable to its customers in a reasonable amount of time and provide timely corrections with interest refunds, retroactive credit bureau corrections and punitive fines.
Consumer complaint received 2018-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

There is a medical collection on my experian credit report. I called the creditor and they stated that this would be removed. It has been removed from the other two reports but not Experian. I filed this complaint before and Experian lied on the response stating that this was not on my credit report when it is. This violates hipa and needs to be removed asap. Experian has now extended this investigation to an additional 30 days.
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (CA)

I discovered a collection account reporting on my XXXX credit report. I disputed said account with the credit bureau. a few days later, I received a letter in the mail from U.S. Collections West.along with a few documents alleging that I owe over {$5000.00} said documents have been altered .the matter grossly misrepresented. the creditor actually owes me a refund of my security deposit. I have evidence the creditor breached the lease. .I called the agency and explained in detail that the debt is invalid.I have sent certified letters to both the original creditor and the collection agency explaining my position. the agency has since verified said account on my credit report.I may have to pursue legal action to resolve this matter as the agency refuses to investigate further or remove the illegal account.
Consumer complaint received 2018-01-08
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)

For the past few months i 've been trying to submit a dispute to the credit bureaus about an account on my credit report. The account is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is reporting as a bankruptcy. Now i can admit that i did in fact start the process of filing bankruptcy but i never went through with it, I have the paperworkk to prove that. For some strange reason the credit bureaus are still VERIFYING this account when i KNOW for a fact i have NEVER filed bankruptcy. How is that even possible? Can they do that? Is that legal?