davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

OnXX/XX/XXXX my American Express serve card was comprised at a XXXX XXXX in New Jersey on this day which was a Friday. I was very sick that an ambulance was called to transfer me to a hospital because I couldnt breathe and had server chest pain I was taken to New York XXXX hospital on XXXX in ny XXXX and diagnosis with XXXX and the thing about this is my birthdate is XX/XX/XXXX there is no way I could be in 2 places at 1 time in which I explain in writing to America express serve with documentation of my whereabouts on this day I filed a chief complaint with them and they verbally told me that I would have to wait 45days so that they could investigate I waited those days but in between I called and called them I spoke to 3 representatives of this company 1st one was named XXXX he then redirected my call to a America express serve Dispute at XXXX and again they stated that it was still under investigation on XX/XX/XXXX I received a email that this transaction was being declined because I so called authorize this purchase so In turn they told me to download a claim notice and return it to them I followed there policy but as every phone call was suppose to be recorded I expressed to them that I didnt make this purchases because i was hospitalized as per my conversation with them to mail it to American express serve XXXX XXXX XXXX XXXX Ga XXXX and to American Express XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ny XXXX I mailed this on XX/XX/XXXX and I have yet to here from either one of the addresses that provide to me I would truly appreciate some service from CFPB and I have also filed a small claim case against this company thank you
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2022 i recieved a hard inquiry from XXXX XXXXXXXX i have never ran my credit or authorized it to be nor have i ever been associated with this company it also states on the dates XX/XX/2022, XX/XX/2022, XX/XX/2022 inquries was made again
Consumer complaint received 2021-10-12
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. (SC)

Upon a review of my credit reports with XXXX, Experian, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXXXXXX  containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received XXXX letters from XXXX postmarked XX/XX/ stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/XXXX  This letter was delivered on XX/XX/. Disputes filed with XXXX, XXXX, and Experian all came back as " verified as accurate ''. I received a letter from XXXX on XXXXXXXX  dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.
Consumer complaint received 2021-10-12
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. (SC)

Upon a review of my credit reports with XXXX, XXXX, and Equifax, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. Disputes filed with XXXX, Equifax, and XXXX all came back as " verified as accurate ''. I received a letter from XXXX on XXXX dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

I started making payments for my loan in XXXX. I made IBR payments. They were roughly $ XXXX/month. My husband and I were filing jointly so my payments were very high. I didnt understand why my husbands salary had to do with MY student loan. Anyway, after XXXX we filed separately and my payments went down, finally. The only reason I did this was because after 2 years of payments not 1 cent was put to principle. How do you make over {$7000.00} worth of payments in a year with nothing to show for it. I am obviously trying to pay it off, but I filed taxes separate and my payments went down. I started in XXXX with {$160000.00} in debt for my XXXX of XXXX XXXX. Now it is XXXX and that has grown to {$210000.00}. In XXXX my husband and I were blessed with our little girl. I was out of work for 3 months. I was told by Navient that since I wasnt working my loan would go up to {$30000.00} in those three months. This is when I started giving up. I would like to pay off my debt, but in 7 years of IBR I now owe {$50000.00} more than when I started. What's the point in doing the right thing? What's the point in going for your XXXX so you can help people? Just ridiculous. There is no way out.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

From XX/XX/XXXX to XX/XX/XXXX, I have tried several times to correct both my name and home address on my credit report only to receive bogus and stalled responses from TransUnion without changes. I have provided a copy of my drivier 's license, my Social Security card and a copy of my marriage certificate, yet inaccurate information remain on my credit report ( file ) with incorrect information.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023, I reached called American Serve Pre-Paid Customer Service via the number : XXXX. I called 6 times, and every time, I was disconnected. I needed to speak with a representative because my card is expiring very soon and I have not received a replacement card. There are only 3 options available on the automated system, none of which lists speaking to a representative. Additionally, existing customer options are limited for me since it prompts me to activate a card I have yet to receive. Can not make it past that prompt because automated disconnects if I can't provide the requested information. I can't provide a number for a card I haven't received, and I can not inform anyone that I did not receive it yet, because I can't get past that prompt without it hanging up.
Consumer complaint received 2019-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello my name is XXXX XXXX the reason i am making a complaint is because i had fraud activity happened on my bank account. There was on online website that said work from home all i had to do was enter account information to begin getting paid by taking surveys so i did it and not much later i started receiving letters in the mail ( XXXX ) with checks signed in my name that werent even written by me or deposited by me. I filed a complaint with Bank of America and nothing happened the account just closed and begin sending me emails sayin that i had to pay XXXX on ( XXXX ) i do not understand why. Now i moved to New York for school and no bank is letting me open an account and i am trying to figure out why? Even after i made a complaint to get the issue fixed
Consumer complaint received 2019-03-10
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. (TX)

XXXX point credit union was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company Carrington Mortgage reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into Carringtons handling of mortgages and credit reporting!
Consumer complaint received 2022-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

XXXX approved the streamline flex modification before the changeover to PNC bank. 
None of the forbearance payments are reflected in new loan paperwork that arrived over the weekend. PNC is unlawfully inflating the amount owed on the loan and not keeping to the agreement made by XXXX. I asked supervisors to fix the errors and the errors are getting worse.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For EXPERIAN 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For XXXX  1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

My XXXX XXXX car was ruled a total loss on XX/XX/XXXX and my insurance reached a settlement to pay Kia Motors Finance XXXX the complete value of my car. The check was issued on the XXXX of XXXX but its still being reported in my statements that I owe the bank which is affecting my credit score and I cant start looking for a car no banks will accept me. I reached out to both XXXX and Kia Motors and no issue has been resolved. I would like to continue to search for a new car but I cant because of the payment anc check not being processed
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/ 90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted Promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For XXXX 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For TRANSUNION 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX and XX/XX/XXXX I was charged {$35.00} over draft fees for purchases that havent received XXXX to my account, deposits were made before the transactions posted to my account and I was charged {$35.00} each day bringing my account to a negative status. I called customer service and was told nothing could be done. How can I be charged a. Overdraft fee for transactions that never posted to my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.