davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (MO)

equifax is showing on my credit report accounts that have been removed or not properly verified. 
XXXX- is an account that was disputed and deleted according to communication i received from equifax . 
XXXX XXXX XXXX XXXX XXXX are both unverifiable accounts that equifax refuses to abide by the law and remove the attached letter will show that equifax agreed to remove XXXX  from consumer report
Consumer complaint received 2021-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Status update in XX/XX/2021 on my Equifax report for a credit that has not name and address. I have no way to verify the information or contact the credit because no contact information is listed. I did reach out to Equifax before and aske them to remove this off my credit report but they just keep updating the date without updating creditor information.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Today is XX/XX/2019. I received a loan recast which I did request from 5/3 Bank on XX/XX/2019. Before I sign these documents, I have called 5/3 Bank to ask them very simple questions. 

First I called customer service who passed me off to XXXX XXXX XXXX XXXX. I had a very simple question. How much of the NEW RECAST payment amount would be going towards my principal payment. Before I sign this, I want to know HOW MUCH of this would be going towards principal. 

Well, I have been on hold for 38 minutes. The woman absolutely knew nothing. Back to customer service I am transferred. 

I ask HOW MUCH of my current payment is going towards principal. She does not know. I just want to know IN WRITING how much of my RECAST payment would be going towards knocking down principal balance.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Managment has opened a debt on my credit burea report on XX/XX/2018 claiming I owe {$2400.00}. I have not received notice of this via phone nor mail. I have also reported this to the credit bureau, as well asl to Midland Funding for verification of this debt. I do not owe debt to Midland Funding and have not received notice and verification of this debt, please have this removed from all 3 of my credit reports.
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

I changed cell phone companies from XXXX to XXXX XXXX XXXX. Walked both XXXX devices into the store and returned them to a store representative. I was given a receipt for the devices. I received a XXXX bill for XXXX showing the devices on the bill. I followed up and called XXXX customer service advising them of my store visit and the return. XXXX advised me to allow more time for the devices to be credited to the final bill. I stated i wanted to pay the bill off as soon as possible and needed to exact amount due. XXXX and I went back and forth. I received a phone call from a collection agency XXXX stating the debt had been sent to them. I submitted my receipts and they sent the account back to XXXX. XXXX failed to update the information instead selling the account to another collection agency Diversified Consultant. I spoke with a representative for diversified onXX/XX/2019 who stated the debt. I asked to be sent a me out the bill and breakdown of the debt. I advised him was disputing the debt as the amount was not correct. I did not receive the letter until XX/XX/2019. I sent a dispute/validation letter certified mail on XX/XX/XXXX that was confirmed by Diversified Consultants to be received on XX/XX/2019. I received notification that Diversified Consultants ignored my dispute and reported to the collection agencies the debt on XX/XX/2019 dropping my credit score. I am disputing this debt because I do not owe it. I have disputed this debt ; therefore, until validated Diversified Consultant knows the information concerning this debt is inaccurate and had a duty to not report inaccurate information to the credit bureaus.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (RI)

Diversified Consultants has repeatedly called from XXXX ( enough that I put in a call block ) and recently from XXXX ( yesterday ) and XXXX which I answeredtoday, XX/XX/XXXX.  They claim to be collecting an unpaid debt from XXXX. Today they said it was for some {$240.00}. I simply responded, both times, that I have n't had an account with XXXX in about a decade and hung up. 
If it 's a legitimate debt then they can send me proof via snail mail. If it 's legit, they should have my address. The last time I checked, the USPS was still delivering. Since I have n't received any bills or threatening letters from XXXX, I can only conclude that this is a scam.
Consumer complaint received 2017-11-09
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: EQUIFAX, INC. (GA)

This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MA)

I have been an Amex cardmember since XXXX  and recently opened a new account. As part of this I assumed that the automatic payment set up on my other card would continue onto my new card. Only after the payment date passed did I learn that this was not the case. On XX/XX/XXXX I called and requested that the late fee be waived for this misunderstanding and this was done. During this call, I was not told that I would be charged interest and that the interest would continue. To date, I was charged {$180.00} in interest fees on XX/XX/XXXX ( with more coming on in XXXX bill ). Had I known that interest would continue to be charged, I could have changed my card usage. 

In a phone call on XX/XX/XXXX, I requested that the exact calculation for how the interest charge was calculated and was told that this is not possible. Without knowing the correct formula with the actual numbers used, I can not know if I am being charged correctly. 

Based upon my usage until the date of XX/XX/XXXX when I made payment to AMEX, I should be charged no more than {$71.00} ( this is the outstanding balance on XX/XX/XXXX of {$4600.00} x the daily compound of an XXXX of 18.24 % ). All interest charges beyond that should be credited back to me.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Had a total of XXXX Unauthorized withdrawals from my personal checking on XX/XX/2022 in the amounts of {$200.00} ; {$200.00} ; {$300.00} all equal to {$700.00} the gave me provisional credit the first time and took it away on XX/XX/2022 I called again and they gave me provisional again but they responded to me again that they will be taking it away I called to see what else could be done they inform me that the claim has now been denied twice and they can not honor the claim this transactions were not done by me since the card was not in my possession, I don't understand why Bank Of America is not honoring my claim
Consumer complaint received 2019-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I have requested FedLoan to look into all my payments and to see which qualify for income and loan forgiveness. Seems to me they're dragging their feet. I've been a long forcement since XXXX end is XXXX I should have one more year left but they're telling me since I wasn't under the program I don't qualify even though I can prove that I've been in love working XXXX why shouldn't matter that I wasn't under the program?
Consumer complaint received 2024-02-01
Product: Credit reporting 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. (GA)

On XX/XX/XXXX I received a HARD inquiry on my report from XXXX XXXX. Which i have NEVER inquired about a loan or for a loan through this company or through AFFILIATES. Someone stole my SSN and I need this removed ASAP. I never inquired about a loan or gave my CONSENT for XXXX XXXX XXXX to pull my credit, to do an inquiry, or to make any financial decisions on my behalf based on the credit pull or findings. I'm requesting that you remove this FALSE information ASAP. I want to note that on XX/XX/XXXX i called the customer service line and they assured me that 'someone ' would work on it and didn't have a reference number. I do not trust that and need this to be resolved asap, so YES this is escalated.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On my credit file it shows on credit bureaus has me showing on pay status as a charge off in which means an account that is unpaid or unpaid debt. I do n't owe XXXX XXXX no balance in which I have a letter from them that shows a {$0.00} balance. 
I was mail my title from XXXX and I sold the car in 2015. So if I had a charge off how is it XXXX title mail my title and I have a letter from XXXX XXXX stating that my account was paid in full. 
Under pay status or status on my credit file there should not be no charge off showing there is no balance or money owed to XXXX.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (LA)

I would like to introduce myself as a citizen of Louisiana and contribute to the economy for many years. My Name is XXXX XXXX XXXX XXXX. I 've XXXX sons that resides in the state of Lousisiana, which are XXXX XXXX XXXX and XXXX XXXX. <P/>I was employed with XXXX XXXX XXXX for 29 1/2 years and a Federal Agency for 2 years. <P/>Both of my sons were employed as XXXX for the State of  Louisiana. <P/>However, after I resigned from a federal agency our credit was destroyed due to discrimination and harassment. <P/>Also, my family experienced several hate crimes in the State of  Louisiana. <P/>In addition, my bank accounts were seized and garnished. The banks are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. <P/>Today, I am contacting your office to assist with predatory loans with Chase Mortgage Company. <P/>Also, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX for damages to credit and property. <P/>In addition, overpayment for insurance premiums to XXXX/XXXX of Louisiana. <P/>I was assigned to the XXXX XXXX XXXX XXXX as a XXXX XXXX for 2 years. After reporting XXXX  harassment and malfeasance by co-workers the following issues occurred in calendar years XXXX, XXXX, XXXX, and XXXX. 1. Delayed and Loss of Medical Benefits and Annunity payments. 2. Damages to Real Estate and Rental Property : XXXX XXXX XXXX, XXXX XXXX, Louisiana and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX 3. Foreclosure of Property due to predatory loans. ( XXXX XXXX, XXXX represented Chase Mortgage Company ) 4. Loss of Wages 5. Life Threaten 6. Attacked by XXXX XXXX Police Department Please be advised I contat XXXX XXXX, XXXX XXXX for assistance via mail and XXXX XXXX never respond to my inquiry. <P/>Verification of theft and harassment were reported to the XXXX XXXX Sheriff Office and the XXXX XXXX Police Department. <P/>Files ( ROI reference file # XXXX ) and OPM CSA XXXX ) to investigate this matter. <P/>I reported identity theft during XXXX XXXX. For several months I attempted to work with the credit bureau to resolve this issue. <P/>Would your office assist XXXX XXXX to investigate these issues? Also, is there a form I need to complete for assistance with these issues? <P/>My mailing address is XXXX XXXX XXXX, XXXX, Louisiana and XXXX. Please reply with a answer. Thanks for your assistance in advance.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (FL)

I want to make another complain on this collection. This debt was claimed by another collection agency XXXX in the amount of {$900.00} in XXXX and then they closed it because this is not my account. Then Ability Recovery took over the debt again and reopened it in XX/XX/XXXX for the amount of {$1500.00}. This LLC is a scammer and I won't stand for them tarnishing my name and credit. I need something to be done about this because this is against the law to report false information like this. I need this bad debt out of my life from all three credit Bureau 's. This is not my debt as I explained. If you have a paper with a digital signature that doesn't mean it's me until I see proof with my real signature this is a scam. Remove this immediately from my credit reports.1510.This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. Please REMOVE this from my credit report IMMEDIATLEY.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting ( XXXX XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Consumer complaint received 2024-02-01
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. (PA)

XXXX XXXX Opened XX/XX/year> allegedly owe : XXXX  I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to report a debt not owed. According to 18 Usc 8 all obligations or alleged obligations are covered by the United States. I did not do business with the debt collector. Nor did i give transunion authority, nor written consent to furnish this information and under 15 usc 1681 ( b ) ( 2 ) my written consent is needed. I asked Transunion to remove this item or there in direct violation of The FCRA. 

1. XXXX XXXX {$120.00}
Consumer complaint received 2018-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute through transunion on XX/XX/XXXX. I received a letter station that it would take no later than XX/XX/XXXX to have completed. It has been well over 30 days and have had no response from the credit agency. Would like this debt to be removed from my credit.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

I have been disputing a charge from XXXX with clear proof XXXX has claimed that it successfully processed a refund on XXXX XXXX-my claim was denied and has been researched once before and I have to submit it the same evidence several times for it to be reviewed again and again. I receive provisional credit than the provisional credit was removed then the case was re-opened and it just seems to be a never ending problem when I have submitted clear proof and evidence and shouldve been situated/effortlessly resolved within the first attempt to close the claim.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (TX)

The bank asked me to send documents to verify it was my account so they could release the funds that was XX/XX/2020 now we are the XX/XX/2020 and all they keep telling me its in review im getting late fees on many things i had to pay and all they keep telling me is the same thing the bank is usbank relia card
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: I.C. System, Inc. (CT)

All the time I received call asking mi if Im mister XXXX XXXX idont know whi that person live in Florida at XXXX XXXXXXXX XXXX XXXXXXXX XXXX his phone number is XXXX XXXX XXXX please help mi please
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-09-17
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)

After carefully reviewing my credit report, I've noticed you are reporting errors which are hurting my good name. I need your immediate attention on this matter Account Name : XXXX XXXX Account Number : XXXX How is it possible the account was ( paid, closed ) yet there are no dates indicating when it was updated? 
When was it closed? 
When was it paid? 
What amount was paid? 
Why is it being reported as a collection an entire year after the date is was suppose to be ( paid, closed ) Where is all the previous data with current payments? 

This information is very inaccurate and incomplete Delete for inaccurate data being furnished on my credit file.
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

I XXXX XXXX entered into a consumer credit transaction with Western Funding Incorporated on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but western funding incorporated took cash. The Finance charge is suppose to include insurance, but western funding Incorporated made me purchase insurance separately.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received. See attached article regarding XXXX founders, XXXX XXXX and XXXX XXXX, committing fraud via their app ( over {$1.00} XXXX dollars worth ). PNC has until XX/XX/2023 to credit the {$2100.00} back to my account, or everything will go dark sporadically until the money I was scammed out of has ALL been returned to my account. 
THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!