davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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. (IL)

I was a cosigner on my step-daughters car with XXXX. XXXX said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' XXXX - they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when Experian and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with XXXX. But it has effected my credit as a 30 day late and I am fairly livid that XXXX could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.
Consumer complaint received 2021-02-23
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. (MN)

Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

This is not a duplicate complaint but a question ; what are the reasons Chase denies fraud? Chase merely states " account is valid and reporting correctly ''. But what are the reasons? After 3 years, I have yet to receive explanations why fraud is denied. I filed sheriff 's reports and FTC identity theft reports. After 3 years, the only explanation I received was Chase called a phone number that wasn't mine but the thief 's and then apologized if I provided a different number.?????
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the aforementioned accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.
Consumer complaint received 2022-09-15
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-01-26
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the aforementioned accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.
Consumer complaint received 2023-01-26
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (OH)

On XX/XX/13 - I booked an air ticket for my grandmother through USBanks travel reward portal which shows ticket is refundable if canceled within 24 hours. Now when I tried to cancel, they said it cant be canceled and I have to contact the airline. I have been getting run arounds from both the credit card and airline. Airline said since credit card is a travel agent for us, you have to cancel with them. 

The amount is $ XXXX and need a refund for the ticket. Instead of canceling I was advised to open a dispute ( which I did ) but I feel this is not right.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-15
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. (DC)

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$91.00} XXXX XXXXXXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}
Consumer complaint received 2021-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

As a consumer, I XXXX XXXX certify that it is only me who has prepared this letter. therefore you are in direct contact with me and only me. to insure that you know it is only me, i'VE ATTACHED A COPY OF MY SOCIL SECURITY CARD. I a the only person who would have access to that so that is proof that it is me. all these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. extra extra FAST 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. i will not take no for an answer, So just cash me out please. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I Do not VALIDATE THIS DEBT. just kniow that. 
I demand that the following account be verified or removed immediately
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I have not subscribed to XXXX XXXX XXXX XXXX services for over 5 years. This is an attempt by them to collect on charges that used to be on my credit report and was removed by the CFPB due to them illegally re-aging the account.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NM)

1. I paid a mortgage on XX/XX/XXXX, I thought I score on Experian would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix.

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than Experian and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (ME)

I am ready to repay my student loan and have access to an online portal to repay the loan but it does not allow me to repay online. The company charges high percentage fees for any payment method other than paying directly from my checking account but when I attempt to use this payment method, I am unable to pay the loan because the balance incorrectly displays as {$0.00}. I have tried to use the live chat that is available and it does not load before the system times out my log in. This is very frustrating because I feel they are able to collect more interest on my loan when I am ready to pay it off. I have attempted to pay off this loan 4 times in the last 2 weeks.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NC)

Last year 2016, I went to file my taxes and had discovered someone had already filled in my name. So I went through a whole process of identity theft which took 5 months to resolve with the IRS, before I could even get any of my tax money. This year they provided me with a pin to use to file. Although, I had a pin to use when it was time to submit my taxes I received a letter by mail stating they needed a form due to me having insurance through the XXXX XXXX XXXX XXXX. In fact I do not have insurance through the XXXX XXXX, I have insurance through my employer XXXX XXXX. After calling around several places, to see who in fact had insurance in my name. When I called the XXXX XXXX  XXXX XXXX, they provided me with the name of the XXXX XXXX, and also provided her XXXX and told me to reach out to XXXX. When I called XXXX of GA, they also saw a plan in my name using my social and told me that whoever had the plan was making payments on this plan. I had to explain to them that I was in fact XXXX XXXX, gave my social and let them know that was not my health plan and that I have insurance through my employer. They also provided me with an address for the person. When I XXXX the address it came up as a house for sale, which means XXXX just used a random address. This prompted me to place an identity theft alert using my social and that where I saw the Walmart Credit Card. It stated it was closed, but still had an outstanding balance. This is not my account, nor balance. I filed a complaint with the company and received a denial letter, my claim was denied because the person was making payments, and that I benefited from this account. How? I don't know. Then I was asked how I filed a police report. My answer was how, when I don't even know where this person lives. I do know shes lives in the state of GA. And thats about it. I am not the only person she has victimized. Anybodys taxes she had done over the years are all victims as well. We have no help due to this person moving all around the world, so the police are unable to assist. She is very smart, to the point she works in XXXX XXXX companies, getting access to people personal information, and now she works for a credit company that fixes people credit. This is exactly how this person gained access to my information, but once doing my taxes. It's not hard these days to use other people information to get what you want. I have reached out to all of her employers from different XXXX XXXX to her new employer XXXX XXXX. I do not even shop in walmart because of an issue I came across, when buying my niece a doll. They had a XXXX doll on sale for {$11.00} and the same exact doll in XXXX XXXX for {$39.00}. Of course since they price match, they were willing to give me the doll for that price. But after that I no longer wanted it. I don't even know how to make payment for this account, because I have no information.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (MI)

I had XXXX XXXX service for about 2 weeks did not work put wiring around the back of my flowers and tv never worked, cancelled after talking to them many time, took photos and thought it was taken care of the service was over a year ago, contacted XXXX and service reinstalled, had no issues, fast forward a year and received one phone call I asked many times for a bill and still have not gotten one, if you look I pay all my bills on time ... .so why would I not just pay XXXX does not make any sense and told the person that calls send me a bill ... .again still waiting so I don't know what else to do thank you ... .XXXX XXXX does not work up here in XXXX XXXX MI when they put it 3 ft off the ground and run lines on the side of your house and not bury them in the ground ... .I even  paid for the rest of the bill that they said I owed which was like XXXX ....
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Atlanticus Services Corporation (VA)

I need this email in a letter head in order to close on my home. However when I called to get this on a letterhead they are refusing to honor it & even trying to change their response. I need the email in the attachment in writing. Without this letter & their compliance me & my family will be homeless. This is aspire visa, company address Account Services XXXX. XXXX XXXX XXXX, GA XXXX phone # is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block 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. Here is the account of which does not belong to me or was opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$980.00}
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NM)

I recently refinanced and the mortgage company calculated the amount of escrow needed and deposited the amount needed for reserves as well as began deducting the amount needed to pay escrow in full based upon total amounts of taxes and insurance. Last month, I received a notice notifying me of an escrow shortage advising that my payments would rise to cover a shortage of {$3400.00}. By utilizing simple arithmetic it is clear the amount reserved and escrowed is sufficient to cover the amount needed for total escrow as well necessary reserves. The process used by Amerisave fails to consider pre-paid taxes and insurance and lender credits. Items that were paid at the closing of the refinance. Upon speaking with multiple representatives, I learned that the calculation is part of a systemic process. The net effect of the methodology is that it requires borrows to pay surprise fees in excess of the amounts agreed to and disclosed in the closing statements. It is a systemic process according to Amerisave officials that could have the tendency to force unwary borrowers into paying higher mortgage payments than are agreed upon or are necessary to meet required escrow expenses and reserves. It goes without saying that many unsophisticated borrowers could be forced into default because of this practice. The sophisticated and systemic methodology is deceptive in nature and because it is systemic can not be addressed by call center personnel according to the multiple representatives I spoke to.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

I did not receive a XXXX bill for my Target store card. I called to request a statement. When it arrived, they had added a {$27.00} late payment fee. I submitted a billing dispute for the late fee and included a check for the {$190.00} undisputed portion.
They have acknowledged receipt of my dispute and the check has been cashed at my bank. However, they did not remove the {$190.00} from my account and have continued to levy interest and late payment fees as well as sending a threatening collection letter.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At the date of XXXX XXXX, I tried to send money to my friend by XXXX app through Bank of America. It was his rent money but he never received it. The money which was {$3200.00} went to the wrong person. I used XXXX because I trusted Bank of America but theyre not taking any responsibility to give my money back. They keep telling me that I have to ask the receiver but I dont know them and when I contacted the number and left massage no one contacted me back. My friend is in hard situation and desperately need that money for his rent. The receiver has account in XXXX as well but the bank not trying to get my money back to me. I need them to recall the money or inform the person who is their customer, to return back my money to my account. Im customer of XXXX for almost 20 years. If they dont want to help me it would make me so disappointed and Ill close my account with XXXX XXXX XXXX app is promoted by bank but its so frustrating that bank doesnt take any responsibility for covering the fund which is a customer loss. Thats the bank job to cover by loss. I filled the claim with bank and reopened it two more times but they denied my request. Please help me ASAP. Im looking forward to hear from you soon. Please contact me at my phone number or email.