davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

On the XX/XX/XXXX, I received a copy of my credit report and found that a lot of the information contained in my credit report is not mine. This information includes the date of birth listed on the report, many Derogatory Trades, Trades, Collection Information, Address Information and Inquiries that are not mine. After reviewing my report and determining that most, if not all, of the information in question, has been added to my report by Equifax. I have been trying to work with Equifax since XX/XX/XXXX to try and get my credit report straightened out but, all I get from them is a generic letter that states that I need to provide more info. I have repeatedly provided the info that they request, and even more info than they request, and I still get no cooperation from Equifax. In XX/XX/XXXX, after getting no response from Equifax, I filled a complaint with the XXXX of XXXX and XXXX Georgia. After filling this complaint, I started receiving the generic " more info needed '' letter, but that is all I can get out of them.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

My wife and I closed XXXX accounts Today and the bank now shows us overdrawn on XXXX of those by a total of XXXX cents. I am sure this is a deliberate attempt to defraud us of fees due to us ending our accounts, plus us complaining about being left to sit in the lobby for a hour as they cut the checks.
Consumer complaint received 2022-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (NC)

I worked for XXXX XXXX XXXX out of Texas. This was in XXXX. They supplied my initial part up for the truck and then took it out payroll deduction. I left the company because they messed up marketing and I did not get any work for over four months. 
I did not know how much I had paid to them. 
I never received any communication from them stating I owed any more debt. Now two years later I get a collection on my credit report. I have disputed it on the credit report. I have also reached out to to XXXX XXXX as well as XXXX XXXX, and XXXX XXXX XXXX they refuse to return any information to me to show that the debt was not settled.
Consumer complaint received 2019-02-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MA)

Called XXXX XXXX to ask if I would be considered for a VA loan even though they had written off my second lien in prior years due to my inability to continue payments. At that time my commanding officer did send the bank a letter explaining a problem with the facility that was issuing pay. 

Prior to having my credit report pulled I wanted to be sure I had a chance to qualify.XXXX told me it would be based on my current situation I was confidant because my credit score was now XXXX. Irecieved an e-mail 24 hours later requesting w2 bank statements etc. I waited a day called to be sure they received the info and was told by a loan officer that they would never consider me because I defaulted on my loan.
Consumer complaint received 2019-02-24
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. (NY)

account XXXX XXXX XXXX XXXX card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc. (MO)

I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent accounts.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : DPT EDXXXX : # XXXX, Account name : DPT ED/XXXX  : # XXXX, Account name : DPT ED/XXXX : # XXXX, Account name : DPT EDXXXX : # XXXX Account name : DPT EDXXXX : # XXXX Account name : XXXX  : # XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (MO)

I have had my checking account with Regions Bank for quite some time now, maybe 6 months, and I have always done everything to safeguard my personal information and pin number from theft. I hid my pin number to my debit card in a pair of grey sweatpants in my closet, and my debit card in a safe in my living room. On or around XXXX/XXXX/2015, I noticed about XXXX or XXXX unauthorized transactions on my account, and reported this to Regions over the phone, which started the claim. A new card was sent to me, and the old one cancelled. I received the claim AFFIDAVIT in the mail about 7 days after that. In the AFFIDAVIT, I specifically stated that I believed that my ex-girlfriend and her brother might have taken my PIN number, more so her than him, because she lived with me, and although I NEVER told her where my PIN number and debit card were located, she WAS my girlfriend and it s conceivable that she could have searched throughout all pairs of my pants in my closet, found the pin number, and could have been watching me enter the code to my safe. This is all speculation though. I faxed the completed affidavit ack to Regions and the next day, I was told that Regions had received it, and that my claim should be finalized by XX/XX/XXXX no later than the close of business day, XXXX/XXXX/2015. On XXXX/XXXX/2015, I called the REGIONS CONSUMER PROTECTION department, which handles the fraud claims, and asked what time the funds stolen from me would show up in my account. I was told that my claim had been denied, and that I did NOT state in my AFFIDAVIT how the pin number and debit card had been stolen from me. This is all a lie of course, because I specifically stated in my AFFIDAVIT that my ex-girlfriend and her brother might have been the ones who stole this from me. I was told that the ONLY way to reassert my claim would be to provide a police report and/or provide clarification on how the pin number and debit and came up missing. I explained to the " specialist '' over the phone that I had no further information regarding this claim, and that under Regulation E of the Federal Reserve Board rules Regions was required to reimburse me, and that this is NOT contingent upon the filing of a police report, because the police are NOT responsible for reimbursing me, REGIONS is. The police job is to catch crooks and criminals. Despite all of this, even if I had attached a police report, which I did NOT, and am not, the outcome would still have to be the same : REGIONS MUST REIMBURSE me. She hung up the phone me.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXXXXXX XXXX XXXX  removed from my credit reports due to being inaccurate. I contacted XXXXXXXX XXXX XXXX  to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXXXXXX XXXX XXXX  but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Persolve, LLC - Legal - Series 2 (CA)

I never received a letter or bill to my residence regarding this debt. Upon finding it on my credit report I contacted the collection company and requested further documentation to prove my debt via certified mail. It has been a month since I have yet to hear from the collection company. This medical collection is unrecognizable and is invalid due to lack of information. Collection company had failed to provide evidence.
Consumer complaint received 2022-02-13
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. (TX)

XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from XXXX XXXX XXXX asking me to settle the account without sending me the requested material and validating the alleged debt.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Bank of American states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Bank of America employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at XXXX XXXX
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I have applied for a loan modification with PNC Mortgage Company and have been denied. This time with no explanation. They have continued to deny my request at every hand. I asked if they could give me a silent second mortgage on the arrearage 3 months ago and they stated no. 
Please assist me in this matter as I am now being forced to file bankrupt.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-13
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. (TX)

XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from XXXX XXXX XXXX asking me to settle the account without sending me the requested material and validating the alleged debt.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, XXXX are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.
Consumer complaint received 2022-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC (DE)

Milestone credit card placed a late payment on my credit report. My late payment was due to me being XXXX XXXX XXXX  and I inadvertently missed a payment. Since this complaint, I have paid the account and the credit card is almost paid done to XXXX. I am asking that Milestone delete the late payment from my credit report since I have never been late paying them in the pass. 

Thank you for your consideration.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

The issue is the Equifa  x Information Sefvices LLC is reporting that I am deceased.
My father and I shared the same name and he is now deceased and now it is affecting me because reports are claiming that I am also dece  ased.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings (FL)

Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Reporting on my credit report as a charge off/collection with no reported information only thing it has it date reported which is XX/XX/2024.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (MO)

I applied and was approved for a credit card on XXXX XXXX for an Indigo Credit Card. I never received anything on the credit limit so I called the number XXXX which is the number given for them on the Internet and it transfers me to a message that it is a Debt Collector. 
I dont know how to get ahold of the Credit Card company to find out the real information or this credit card. 
I dont know if they just got my information or I am getting a card?
Consumer complaint received 2019-02-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX XXXX claims I owe the amount of XXXX to XXXX, this policy was supposed to be canceled on the date specified, several months ago, via a phone rep,. It appears that rep did not cancel as per my request and coverage remained. This is not my error and refuse to pay. Please advise CCS to cease collection efforts and remove account from credit file, if reported. I attempted to resolve this directly with CCS, reps referred me to XXXX and or requested payment which they will not see.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

After reading the recent lawsuit against Navient, I feel empowered to share my experience with having my loan serviced by the company and the problem I had when they were XXXX. Basically I had trouble where I had lost my home XXXX. I had lack of correspondence with the loan company and they put me into default fairly quick. I was receiving calls by their collection servicing company at my place of work threatening to garnish my wages if I did not pay all of the loan balance upfront. They offered shady payment plans that did not make sense. After speaking with XXXX and letting them know they had been trying to contact me on all of the wrong avenues they pulled my loans out of default, but the company they they used ( can not remember the name ) kept calling me and harassing me for the balance they they no longer needed to collect. 

After my loan was back with XXXX they has casually offered me the option of forbearance as a way to not pay the loan for 6 months and offered for me to defer my payments rather then set up for a income-based payment plan that I am on now.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

When I call to speak to customer service I am told one thing, then a month later I started receiving phone calls and emails telling me I was in default and my wages would be attached. I called customer service again and they stated that they have no record of payments or my calls. I ask for options, I am given only one option with a flat payment. I am told I do not qualify for the non-profit employment option. I tried to file for financial hardship due to assisting a family member, I was told that does n't matter. I said I had to get a second job and the payments I was making every two weeks was not sufficient. Absolutely no help or consideration, all they wanted was information on my second job. XXXX is my college.
Consumer complaint received 2015-06-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IN)

Chase received a payment on our Chase Visa from a XXXX account that we have used to make payments for years.  The payment was returned as the XXXX Account was blocked when traveling XXXX.  Once the travel was completed XXXX unblocked the account in a day.  Chase has since processed payments from this account on other Chase Visa cards we have and deposits without issue.  However the particular Chase Visa account in question cannot be paid with the XXXX Checking account, because Chase has blocked payments from the XXXX account for Visa Chase Visa Card *******************
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I have a car loan with Santander. I was behind on my payments but was able to get everything caught up over the past month. According to my online account I had paid the balance to XXXX. When I got my statement it showed that I owed the regular payment plus XXXX in additional fees that was owed. When I called in today the automated said that my balance was just this month payment and next month payment. When I actually spoke to someone she said that those fees are due even if it shows a XXXX balance and that the amount of fees on my statement is not what she is showing in the system. When I logged online today it shows that my next payment is not due until XX/XX/XXXX when I know my payment is due on XX/XX/XXXX and that my loan is current. I think that this lender is predatory and tries to make you miss or be late on a payment in order to collect fees. I started this loan XX/XX/XXXX with a XXXX balance as of today they are showing that my balance is XXXX according to the payment history ( attached ) and online ( attached ) and one my statement ( attached ) it is XXXX. How can this possibly be? I show a lot of my payments going to interest and zero to the principal. I think someone needs to look into their practice and how they are applying my payments as they are not willing to look at it or see what the issue is.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JNR Adjustment Company, Inc (GA)

After disputing the validity of the debt on ( XXXX/XXXX/16 ). JNR Adjustment sent copies of documents with no proof that I contracted with anyone. See XXXX. Furthermore their is no proof that said company has been assigned this debt. I am contacting you presuit due to actions that violate FDCPA.