davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion XXXX has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
Consumer complaint received 2017-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a GM Credit Card through Capital One. I gave a hotel in XXXX, IL my card for " incidentals '' and was charged for a bottle of water in my room for {$4.00}. I did authorize this transaction. I was charged an additional, separate charge of {$210.00} in which I did not authorize. I previously booked my hotel stay online with another credit card and I paid that in full before my stay. I contacted Capital One/GM Cards the day the transaction posted to my account, as I got a notification that it was posting. It has since been over 3 weeks since I notified them, both by clicking " dispute item '' on their website, and also by writing their customer care center to indicate the exact information I 'm sharing with you. I have not yet heard from them and I still have the charge on my account. I work for a financial institution in the Financial Crimes Department. I am completely familiar with Reg E and the requirements for providing provisional credit within 10 days. They are not in compliance with this regulation and they have not communicated anything with me in over 3 weeks. This is completely unacceptable and they should have to answer for this.
Consumer complaint received 2022-09-07
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2016-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

THIS IS NOT A DUPLICATE : I recently submitted complaint XXXX against Loan Care for not forwarding my {$2000.00} ( sent XXXX/XXXX/2016 ) payment to my new servicer XXXX. I found out today that they finally did forward the payment to them, but {$170.00} short. I sent my payment for {$1700.00} with an additional {$200.00} additional principal payment. Today I received a Loan Statement from XXXX showing that they only received {$1700.00} plus {$31.00} additional for principal posted on XXXX/XXXX/2016, almost two months later. Consequently, they have pocketed {$170.00} that should have gone to my principal. They are also applying my principal payment almost 60 days late.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IA)

Last Friday I logged into my online Chase account and noticed that all of my credit card accounts were closed. Today, I received a letter for all credit card accounts confirming they were closed. Chase shared  they were closing the accounts because of the number of recent credit inquiries and accounts opened as well as the total number of accounts I had with them. I have a fico score in the high XXXX-low XXXX, have never paid late, and have been a Chase customer for years. I feel it is discriminatory that they recently approved me for a new credit card and then turned around and closed all of my accounts.
Consumer complaint received 2024-02-16
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. (MO)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (HI)

The company has added all types of fees to each of my accounts, hundred of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (TX)

I have had this credit card from XXXX XXXX XXXX for more than 10 years and had gone over the limit but the credit card company was approving the transactions. I have not been using the card for over 3 months but been paying my monthly payments that are due. 
Last month they have been bought over by Elan Financial Services under Fidelity and now demanding that I pay the over limit amount of {$1000.00}. I have been paying my payments monthly and have never been late. I have requested them to increase the limit but they refused to do that and demanding me to pay {$1000.00} by XXXX XXXX, 2016. I asked them why did they let the transactions go through if I was over my limit and their response is it was a benefit offered from XXXX and now bought they have been bought over by another payment processor Elan and that is why the rules changed. This is fraud just because a company is bought over by another company you do n't harass clients. 
The president should do something to protect the public. There are several complaints about Elan Financial Services on XXXX. I would appreciate if could handle this otherwise they will put late fees and add other additional fees for the {$1000.00}. I am willing to pay my monthly payment but not {$1000.00} of the overlimit amount. Unable to upload old Statements since they have been bought over its a new website login and old statements are not available there where I can prove that I do n't use their card but just paying it off. 
I have also lodged a complaint with the Office of the Comptroller of the Currency US Dept of Treasury, The Presidents Office Board of Directors of Elan Financial Services, Federal Reserve Consumer Help.
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WA)

I received a missed call from XXXX at XXXX on XX/XX/2019. I returned the call 10 minutes later. A robot answered and asked if I was ******* *********, press " 1 '' for yes. I pressed " 1 '' for yes. Then I was transferred and a gentleman answered the phone, said this was MSR Associates and asked me why I called. I said I just missed a call from this number. He asked me if the call that I missed asked me for me by name. I told him it didn't but when I called back it asked me to confirm my name was ******* **********. He said great now can you tell me your address to verify your identity. I said no, I do not know who you guys even are, who are you? He said that is was okay to not verify but that we can no longer proceed and then he hung up. 

I then researched the company and found out it was a collection agency. They did not tell me that during the phone call. I researched further and went into my credit reports and found nothing in my credit reports. I checked XXXX and XXXX. That leads me to believe that they are attempting to collect money I do not owe.
Consumer complaint received 2022-09-07
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: ID Analytics, Inc. (NY)

In accordance with the fair credit Reporting Act XXXXXXXX  Account # 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-07-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP ()

While attempting to withdraw XXXX from a US Bank atm in XXXX Oregon with an XXXX atm card, I was sent to a screen asking me if I wanted the currency converted from my XXXX bank account to XXXX before withdrawal or whether I just wanted to proceed with the transaction. The conversion rate offered on the screen was significantly lower ( XXXX4 % ) than the market rate XXXX would receive by simply proceeding with the transaction. Meaning that the bank would make a significant profit over an above the fees already charged from unsuspecting customers who elect to exchange the currency on this screen rather than just proceeding with the transaction. The only legitimate reason it would ever be in the customers interest to take this conversion offer is if the foreign institution charged a currency conversion fee that exceeded the difference in rates. Since foreign transactions fees at many banks are flat fees or waived on many types of cards, this offer in most cases amounts to tricking unsuspecting people into paying an unnecessary fee.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian deleted my social security number and date of birth on my credit file. It causes that bank can not find any information through my social security number. Even though I provided them my copy of social security number and my passport, they do n't help me to solve it. I strongly doubt they mix my credit report with others because there are two accounts does not belong to me on the credit report.
Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MA)

I was told that my case was ongoing and no payments were due, I now found out Im 6 months behind. 

I called 20 times this year and bank told me that they are still sending documents and when i got them notarized I would start making payments Now I found I owe {$7000.00} I have no fore-closer date or anything its like Im in limbo. 

They also told me any payments this year before documents were submitted would be due at end of loan no they are telling me something else
Consumer complaint received 2017-10-14
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: EQUIFAX, INC. (GA)

I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (IL)

In XXXX, I submitted a REPAYE plan application. On XX/XX/XXXX, I was issued an administrative forbearance, so I would not be billed before my new plan took effect. The forbearance ceased on XX/XX/XXXX, I was billed a full payment of {$820.00} on XX/XX/XXXX, and my plan went into effect on XX/XX/XXXX. Two weeks later, I received a past due notice. I contacted FedLoan Servicing, the representative acknowledged their administrative mistake, and moved the payment to the back of my loan. Recently, after responding to an alert from a credit monitoring bureau, I discovered that the payment that was supposed to have been moved to the back of my loan has been marked delinquent for the last six months. This is completely unacceptable.
Consumer complaint received 2022-09-07
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: CBC Companies, Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

We had decided to go to school to better myself for our family and fell into a terrible trap. My loans were originally through XXXX and then transferred to Navient. We have been trying to set up a payment plan in order to begin paying on our loans for a really long time now. Every time that we contact Navient they do not listen to what we have to say. We are constantly redirected away from paying for our loans. They tell us that there are forms in which we need to fill out to help serve us, yet nothing ever comes of it. We have been laughed at and told there is nothing they can do for us, unless we fill out more forms they seem to never receive??? We are just looking to pay an affordable payment, that does not take my entire income as we were promised when we began the endless school adventure. Please Help!!!
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I HAVE HAD FRAUD ALERTS ON MY REPORT SINCE XX/XX/XXXX. IN XXXX XXXX SOMEONE OBTAINED XXXX IN MY NAME. I HAVE SINCE SENT IN A COPY OF MY POLICE REPORT, RENTAL LEASE, CURRENT CABLE BILL ( XXXX XXXX ) SO FAR XXXX AND THE CREDIT BUREAUS HAVE YET TO DELETE THIS FROM MY CREDIT.