davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

A deposit was made into my business banking account on XXXX/XXXX/2016. The deposit was XXXX US Postal Office Money Orders. Wells Fargo has placed an extended hold on these items, stating that it 's justified because my account has been overdrawn in the past 6 months. ALL information I have been able to find in the FDIC, federal reserve, and by making a call to XXXX states that Government Checks, as well as US Postal Money Orders, are to be made available in 2 business days. Wells Fargo refuses to release the hold. These funds need to be transferred to a paying client. Please advise if this is legal
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
Consumer complaint received 2020-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i sent over a dispute and its been over 30 days. I am very stressed that they are reporting inaccurate information on my credit report which make it very hard to obtain credit from possible lenders. Still this day i haven't received any investigation results.
Consumer complaint received 2016-06-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

For the past 2 weeks I have been receiving harassing phone calls from Fair Collection and Outsourcing ( FCO ) regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken to this agency once and informed them that I have never lived in Maryland and that they have the wrong individual. Today, XXXX XXXX, 2016. I received a collections letter in the mail informing me that I owe {$8000.00} and that I need to pay it. I have reviewed my credit report from all XXXX credit bureaus. This company has inquired about my credit via XXXX without my permission or consent. I suspect this is a scam as the company called my home and asked to speak to me but then they wanted me to give them the last XXXX digits of my social security number and/or my mailing address. I did not provide them with either. In addition, I am sending FCO a certified letter requesting validation of debt and reporting them to the fraud department at XXXX before they try to add false negative debt information to my credit.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX I Disputed a collection account with all three bureaus to validate this company XXXX XXXX XXXX I've never did any business with this company that was placed for collection. Transunion did not do an investigation I wasn't even given a letter with my results I had to check online they only added a remark. XXXX how ever has gotten back to me and this company has been removed off my credit since then. Transunion on the other hand didn't fully investigate this shouldn't be on my credit I am demanding a reinvestigation and for this to be REMOVED immediately.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On my credit report there is an account in collections from XXXX XXXX XXXX in the amount of {$670.00} that was paid XXXX XXXX 2015 but still remains on my credit report although was supposed to be removed after 45 days it is now XXXX XXXX the collection agency is XXXX
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment
Consumer complaint received 2016-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC (MA)

I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I was looking to find a rental house through XXXX yesterday. And someone contacted me to ask for {$66.00} before showing the house. She said it is refundable. So I sent the money to her {$66.00} via XXXX yesterday ( XX/XX/2023 ). But I just realized that it was a scam. She was not the owner of the house. She just stole my money. 
I have her phone number. Her number is XXXX. And name is XXXX. And she is refusing to make a refund of {$66.00} even though I asked for a refund because she did not let me see the house. 
I would like to receive back my money, and also stop her from making other victims. 
So please help me. I need your help! 

* the website that she listed is below ( You can find her phone number here ) XXXX XXXX XXXX  Fraud date : XX/XX/2023 Amount : {$66.00} Actions : I contacted the scammer and asked for money back several times but she refused it. And I also contacted the Chase bank to stop the transaction but the bank told me that it was already transferred to the scammer. 

Thanks!
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.
Consumer complaint received 2022-10-01
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: AMERICAN EXPRESS COMPANY (NJ)

Regarding CFPB Complaint ID XXXX. 

I have not received the response from the company about closing my account or confiscating my rewards points. The original complaint was filed to OFFICE OF THE ATTORNEY GENERAL XXXX XXXX STATE OF NEW YORK DEPARTMENT OF LAW BUREAU OF CONSUMER FRAUDS AND PROTECTION Intake Id XXXX I was never notified that the matter was sent to CFPB. I'm XXXX XXXX XXXX and need some assistance!!!
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alorica Inc. (TX)

On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.
Consumer complaint received 2015-06-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (LA)

I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I currently have a total of {$58000.00} in student loan debt with Navient. After 2 years of never missing a payment, I noticed my principal balance keeps going up and not down. When I asked Navient they claimed it was due to " daily accrued interest ''. This just can not be the case. I have been tracking my increases since XXXX XXXX, 2016 to today. The average increase per week is {$85.00} added to the balance. I have tried working with Navient but they never have any answers to my questions.
Consumer complaint received 2022-08-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2016-04-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Shellpoint Partners, LLC (MI)

I have asked Shellpoint to forward my Mortgage note four times to XXXX XXXX and they have lied all four times. They impleading my refinancing to lower interest loan. I have three way calling recorded of their lies. And because of their using this by standing in the way stalling I could lose the refinancing to lower payments. Its not fair.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks
Consumer complaint received 2022-09-03
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. (FL)

TRANSUNION HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS XXXX XXXX, XXXX XXXX XXXX THE WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO THE IN INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY
Consumer complaint received 2020-03-04
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. (NV)

I already have this issue with my credit report especially Equifax for more than a decade ago regarding my sister 's identity ( ie. name, SSN ) and my identity are all mixed up and also the fact that is my twin sister with same date of my birth. First, I asked for help from XXXX  XXXX XXXX back in XX/XX/XXXX to dispute my credit report from my twin sister. After 5-month period of disputing, the legal service sent me a letter that I had to sue Equifax for not responding as next step however first, I had to check the proper procedure before filing small claims. 

I don't have the exact timeline after legal service. I went to see my loan officer around XX/XX/XXXX and told about this dispute case. The officer talked to Equifax on behalf and after the conversation, I was provided by officer the procedure of sending ( via mail & fax ) my proof of identity even my twin sister 's identity. During the timeframe until XX/XX/XXXX, I had been calling Equifax 3 or 4 times to provide my identity via phone and sending them my proof of identity even my twin sister 's identity ( via mail & fax ) over and over again as a result of my identity questions from Equifax support with my responses didn't match to their system. They also promised to send me letter for my dispute claim however I never received letter even to my twin sister 's end didn't receive either. I signed up on Equifax back in XXXX to track my credit score then after, I can not login to my account due to, I assumed, the mixed credit report between my twin sister and me. 

So now I'm here to file a complaint against Equifax after the attempts to follow procedure on how to dispute and Equifax gave me headache for more than decade.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Nelnet is reporting me as 120 delinquent when I was not in repayment, and forwarded a payment history which proves their error. The attached email from Nelnet proves that my application was submitted eventhough it does not show on their history. I was not required to make payments at that time ( so had no payments to continue ) and was subsequently approved for an income contingent plan. I should never have been reported 120 days late. That rating is devasating my credit, and must be corrected immediately..
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies that require your attention. The following are the details of the disputed items : The personal information listed on my credit report is incorrect. The previous addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX are not accurate. This violates my rights under the FCRA to have accurate information on my credit report. 

Several credit inquiries, including those by XXXX, XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FINANCIAL SER, have reached the statute of limitation and should be removed from my credit report. This violates my rights under the FCRA to have only accurate and timely information on my credit report. 

The accounts listed with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have questionable names and numbers. I request that you either clarify this information for me or delete these accounts immediately from my credit report. This violates my rights under the FCRA to have accurate and complete information on my credit report. 

As per the FCRA, I request that you investigate these items and make the necessary corrections to my credit report within 30 days of receipt of this letter. Please inform me of the results of your investigation and the actions you have taken. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (NV)

I started disputing inaccuracies on my credit file with Experian, XXXX XXXX, and XXXX in XXXX of last year. I have sent them now 3 sets of letters starting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have inaccurate account information, accounts that are not mine, inaccurate inquiries. 

XXXX has only responded to ONE letter, the others continually respond with " more information needed '' or just a new report with the same inaccuracies. This has seriously impacted my credit ability.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution.

As a federally Protected Consumer, I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information OTHER COMPLAINTS XXXX XXXX XXXX DOCUMENTS ARE ATTACHED BELOW
Consumer complaint received 2020-11-26
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)

On XX/XX/2020 I sent a letter to dispute XXXX XXXX. TRANSUNION NEVER RESPONDED TO MY REQUEST. PLEASE DELETE FROM MY CREDIT REPORT.
Consumer complaint received 2016-10-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (SD)

Company called ARA left a messages on my wife 's and I cell phones stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on and that they were going to contact my employer and the apartment complex manger where I live. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I paid her {$150.00} from my back account on XXXX XXXX. I asked for a receipt and never received one. Called XXXX back on XXXX XXXX. I had to leave a message. It is now XXXX XXXX and I have yet to receive a return call. I feel I have been scammed with threats. My wife and I have saved the phone messages.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (ME)

Why are the interest rates so high to get an education in the US. I can not afford my base payment even though I make a good wage. The loans do not take into consideration life and the cost of taxes on your income. I am going to need to get a second job just to find a way to pay these. I appreciate the education. I should not even have my loans from 20 years ago because I went through the program through unemployment. but they never paid. XXXX me