davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
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. (ME)

In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX   more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated  XXXX   XXXX ,  XXXX , the account first became delinquent on   XXXX   XXXX   XXXX   although  XXXX  credit file has the first delinquent date as   XXXX   XXXX   Another credit file has the date of first delinquency as   XXXX   XXXX   XXXX  . I have attached copies of the credit bureau files for reference.
Consumer complaint received 2020-10-19
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: Freedom Mortgage Company (TX)

Freedom Mortgage continues to FAIL to update their system with my correct contact information. I have received ZERO correspondences that they claim to have sent to me in response to my written requests because these notices are only going to the primary borrower 's physical address that I am not affiliated with. I have begged and pleaded with Freedom Mortgage since XX/XX/XXXXto update my contact information as the secondary account holder to no avail. It has come to my attention from XXXX XXXX that NONE of these mailings are coming to my attention and my request for address updates have repeatedly been ignored, which has consequently damaged my credit report. XXXX XXXX, please update my contact information with your files, and send written responses to my requests to the address that I have provided to your company numerous times. As a consumer I have the right to information on this account and limiting my access to information on the service of this account has cause a great deal of unfair credit reporting. Inaccurate contact information for me does not allow to be aware of or allow me any opportunities to address any discrepancies on the account. The Fair Credit Reporting Act ( FCRA ) is a federal law that protects me as a consumer from unfair practices and credit mishandling.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO. (VA)

I did a wire transfer from my credit card. 
The debit entry on my card read as purchase and i have 0 % on purchase till XX/XX/2016. 
The card company chase charged me transaction fee on that purchase. 
the company should have declined the transaction that i would know they would be charging me charges.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE ID XXXX XXXX XXXX XXXX NOT MY ADDRESS!!! 
REMOVE XXXX XXXX NOT MY JOB. REMOVE BUSINESS ADDRESS XXXX XXXX CT NOTMY BUSINESS ADRESS DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I have made several attempts to access the Experian Online Dispute site. In addition, I have made attempts to access my annual Experian report online. However, I am continually unable to login via my information or report number in the Experian Online Dispute Site. I have been able to only login on one single day recently, though when I entered the same information the following day Experian has an error message and will not allow me to access the site. 

I have sent three letters to Experian over the last two years regarding this ongoing issue. Experian representatives at their call center indicate they do not know who manages the Experian Online Dispute Site and that no one can assist me in troubleshooting the ongoing problem. 

One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC (MN)

THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (RI)

Purchased hot spot device for Internet service.Was never able to get signal because of my location.Company said they would send " booster '' to help. Still had problems. When I payed bill I found out from sales rep my location should have been checked before selling me device. I have moved and can not find " boosters '' that I was never told had to be returned. Company billing me XXXX. When I spoke to someone ( in XXXX! ) they assured me matter would be taken care of. Recently applied for a loan and was denied because of this debt in collections
Consumer complaint received 2017-02-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

My wife and I went to our local Chase branch to discuss an issue related to fees. The brand manager became rude and unprofessional and refused to help us. I advised her of our intent to contact the CFPB and we left. A few days later the branch manger sent the police to our house and later they closed her account.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PL XXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXX TAB BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

I am a victim of ID Theft and after a thorough review of my credit file and hiring a company to assist me with it, I noticed multiple hard inquiries on my credit reports that were not valid, nor had I given them approval to run my credit. One of the companies was Synchrony Bank/Amazon, headquartered in XXXX, FL. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. They received the letter on XXXX XXXX, 2015 and to date, I have not received anything from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing this complaint against Amazon and I am praying that the CFPB can and will assist me in resolving this matter.
Consumer complaint received 2016-03-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the XXXX XXXX, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2021-06-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TX)

Someone fraudulently opened an account in my name. They also fraudulently opened a loan in my name. Both were fraudulently opened on the MoneyLion site.. probably on or around XX/XX/2021. 

I received a debit card in the mail and called MoneyLion customer service as soon as I received it, so as to report FRAUD. I was told that it would be closed and that I could shred the card. I did. 

However, I recently received information from my *actual* bank that MoneyLion tried to debit 2 things from my actual checking account on XX/XX/2021. As I had already been a victim of fraud, my bank has restricted debits from my account and will only allow debits that I approve. I rejected these. 

The debits appeared as the following on my actual ( XXXX ) account : XX/XX/2021 XXXX XXXX XXXX XXXX {$19.00} XX/XX/2021 XXXX XXXX XXXX  XXXX {$44.00} I have been unable to contact anyone at MoneyLion about this. I guess it was a different phone number on the debit card ( that I have shredded and discarded ) than is shown on MoneyLion 's site, because I can not find my way to a person on their published customer service phone number. 

I submitted a web form on MoneyLion 's site asking to PLEASE CLOSE THE FRAUDULENT LOAN IMMEDIATELY. However, that is all that I have been able to do. 

I am not confident that this fraud will be shut down by MoneyLion, and I do not want my credit to be hurt because of XXXX
Consumer complaint received 2020-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

i had XXXX 2 times taken outta my account not authorized by me. i went to a branch in XXXX XXXX an a lead lady helped me i tried give her police report an she did not take it she did refuse an stated that its my fault that i gave caller my acct. information, shes a lier i never ever gave anyone my acct. information. so i went to celebration branch an XXXX took my police report an submitted report to bank, an they continue to refuse paying me back my XXXX XXXX XXXX was the one at first bank who continues to repeat to me that i gave my information, im sorry but yes she is a lier. she hurt me bad.this is regions bank an yes i left them to go to XXXX XXXX XXXX XXXX a great bank.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (AZ)

My complaint is against Chevron Credit Card. I have had this card for over 20 years and have always paid my bill on time and there was no outstanding balance on the account. What happened was the card expired in XXXX of 2015, when I went to use it I found this out. Usually the credit card companies replace the card before the expiration. I called and requested a new one in XXXX and they said it was mailed to my old address and was returned and " Not at this address '' was written on the front of the envelope. I moved to my current address over 2 years ago and updated all of my credit cards with my current address promptly. Chevron said they would send the new card to my new address. I have been calling since XXXX and they said to call the post office because someone keeps returning the credit card and writing " not at this address '' on it ''. They gave me this story every time I 've called and said they would send the new credit card. Well, I have not received any credit card. I even checked with the post office and they did n't know anything about it. I have gotten all of my other mail and credit card besides this one. So I finally had to close the account because I did n't want any open accounts without the credit card in my possession. I tore up the old card back in XXXX and did n't have the credit card account number handy. I 'm sure I have an old statement somewhere with the account number on it. I am very disappointed with Chevron and do n't know who is lying, Chevron or the post office?
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

This mortgage account was paid off and closed on XX/XX/2018. I have received a letter stating this from Select Portfolio Servicing ( attached ). However, SPS continues to report a balance of {$570000.00} to each of the Credit Reporting Agencies. I have submitted multiple requests in writing and by phone to fix this but they say they can't change their records. 

Section 623 ( a ) ( 1 ) of the FCRA says " The FCRA prohibits information providers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. '' Further, section 623 ( a ) ( 2 ) says " ... the furnisher must promptly provide complete and accurate information to the CRA ... and must thereafter report only complete and accurate information. '' My lawyer says the next course of action is to file a lawsuit to obtain a court order for correction, plus compensatory and possibly punitive damages. 

I look forward to a positive response from SPS.
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Strategic Alliances, Inc. (GA)

I have NEVER done any type of business or personal correspondence, conversation or email with First Financial Investment Fund about ANY matter AT ANY TIME and am being unfairly targeted. First Financial Investment Fund has obtained my personal information, informed XXXX third parties they were suing me but NEVER INFORMED ME OF ANYTHING AT ANY POINT. I found out I was being sued by First Financial Investment Fund via the law offices of XXXX XXXX XXXX and XXXX XXXX XXXX attorneys at law whom sent me letters offering me legal services because First Financial Investment had given them a court case number to the lawsuit they filed against me. I was never made aware of any suit or any implied debt at all by First Financial Investment Fund and their practices are fraudulent by taking legal action against me over a debt that is invalid and not owed. First Financial Investment Fund is targeting me because I am a single, XXXX female mother who receives government assistance.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE (NC)

I have a credit card with Barclay Bank US. They will not agree to reduce the overall interest rate on the card and refuse to agree to partner with XXXX on a debt management program for me. They refuse on the basis that a very small balance of the total money owed is on a reduced interest rate although greater than XXXX % of the money owed is at a interest rate of greater than XXXX % on an annualized basis. When I try to call customer service to discuss the issue my call goes into a call center where I 'm told there is no one there who has the authority to negotiate with me. I then have asked how can I talk to someone who can, and I 'm told that no one knows. The amount total amount owed at this time is approximately {$21000.00}.