davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am having difficulty receiving my escrow analysis refund check. The first check was issued on XXXX. It was made out to the estate of my dead wife. I called Customer service, said no problem and issued another check in my name. I never received that check. it was issued on XXXX. Since then 2 other checks were sent out to me both still in the name of the estate of my dead wife. 

Customer service seems to be feckless regarding this matter. They do not have any direct access to contact their escrow department. No one is willing to take ownership and they refuse to escalate this matter beyond the level of a floor supervisor.
Consumer complaint received 2018-02-05
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: NCB Management Services Inc. (MD)

NCB Management Services has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. NCB Management Services is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I contacted Equifax on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX regarding unauthorized inquiries that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help me.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX balance of {$3000.00} is incorrect. Provided supporting documentation to creditor and reporting agencies validating correct amount of debt. Refuse to look into my documents and continues to report incorrectly to my credit.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

First, I keep meticulous records of all my financial transactions. Any time I make a purchase, I keep my receipt and reconcile my ledger every day. Twice in the past month I have noticed my bank account decrease by approximately {$200.00}. The first time it happened, I went into my local XXXX branch and discussed it with a banker. I showed them my ledger/activity and compared it to what they had in their system. This didn't yield any explanation for the discrepancy. I made the adjustment to my balance in my ledger to account for this 'missing ' amount. It happened again about 2 weeks later, for around the same amount. I can not seem to make any progress as to get any answers from Wells Fargo. I have read online of other customers facing similar situations with their checking accounts. 

Please help!
Consumer complaint received 2023-12-19
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. (TX)

I am writing to formally complain about the persistent challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple efforts to address this issue, the fraudulent entries persist, causing significant distress and harm to my creditworthiness. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly establishes the illegitimate nature of these entries. 

Despite my concerted efforts, the fraudulent items persist on my credit report, negatively impacting my financial standing and causing undue stress. I am well aware of the seriousness of identity theft and the importance of swift resolution to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will be compelled to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX Balance : {$8000.00} XXXX  XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2022-10-14
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: AutoNation Enterprises Incorporated (CA)

I submitted a letter to the XXXX and XXXX XXXX XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
CIG FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the accounts listed below 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 a account without my written instructions XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXTransunion and XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2021 at XXXX mountain time i received a call, that i requested, from professional finance company XXXX a ANd i asked for proof of the debt and everything, the lady, which she said our conversation was being recorded, told me she did not have proof and so i was given instructions to request proof so they could request proof from the company. If this is so, how did my dispute get denied twice due to the company providing proof? They have not had proof ao i need this removed from my credit report. Reference number XXXX with professional finance company and XXXX  XXXX XXXX, please.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" There is nothing I can do to this, I went to XXXX XXXX five years ago and they over charged me because they said that I have to have master cleaning before they the fix my toothache ( because I had to say yes at that time ) and I paid them the {$470.00} for their service and the remaining is over charge and they are crooks and that is why they are going out of business soon. Three years ago I asked Trans union to add this comments or remove it from the account, but they didn't because I am a consumer not a company!
Consumer complaint received 2023-01-18
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 (TX)

I held a XXXX XXXX card with US Bank for many years. In XXXX they charged me the annual fee but didn't credit my account with the renewal bonus of XXXX XXXX points. I followed up repeatedly in XXXX and XXXX with no resolution. The card has now been product changed without my consent to a new product, and US Bank still has not refunded me the annual fees for these years or credited my account with the missing XXXX points for either of these two cardmember years.
Consumer complaint received 2018-02-05
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. (CA)

XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!
Consumer complaint received 2020-05-13
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I chatted with Barclay Uber credit card representative, I requested Uber credit card to apply my Uber cash {$28.00} to be applied as statement credit. Uber card rep XXXX refused and informed me that as of XX/XX/XXXX, Uber cash rewards can no longer be applied as statement credit. I had this credit card for since XXXX, I've always redeemed my rewards as statement credit. Yet XXXX insisted such change was stated in XX/XX/XXXX statement disclosure that after XX/XX/XXXX, Uber cash can no longer be redeemed as statement credit. I reviewed carefully the XX/XX/XXXX statement the rep mentioned, there was no wording or phrases mentioning about disallowing Uber cash to be applied as statement credit. I feel Barclay Uber cash credit card is deceiving me by ripped off my statement credit without proper notification.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX SHOWS ACCOUNT OPEN {$47000.00} Opened XX/XX/XXXX Deed surrendered in Leu of foreclosure XXXX  account closed. 

The account is not opened. It is and has been closed. It did not show up on my recent mortgage application/and home purchase XX/XX/XXXX. 
. 

This did show up last month when I tried to get store credit for furniture shopping. I was denied for this reason. I disputed with Experian, they removed it then put out back. Please help resolve this improper credit reporting. Thank you. 

XXXX XXXX
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (PA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NJ)

On XX/XX/2020 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " AmeriFinancialSolutions LLC ( AFS ). '' The company received my letter on XX/XX/2020 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I received a response back from AFS and they provided me with an itemized statement. They didn't provide me with what I requested in my letter so I can verify the debt. I mailed another letter asking for my proof and I haven't received no response and I'm asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. I have attached all the documents to prove my statement.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

The following is copied from the email I sent to Navient : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from Navient. I need Navient to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what Navient is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time Navient messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the XXXX XXXX XXXX to file yet another complaint against Navient! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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 Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX BANK XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX : 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 Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MO)

I created an account with Binance US, the URL for this service is : https : //www.binance.us. I have deposited several XXXX dollars with them over the last few months. This service serves as a so called " Crypto currency exchange ''. After about 2 months of having the service, I logged into see that I could no longer withdraw any funds from my account. The reason given for this was that a XXXX USD transfer had been rejected from my bank. 

I contacted my bank and they stated that nothing was wrong on their end. I read through the support help information from Binance US and followed their direction exactly to fix the issue. I deposited more cash from my bank account in the form of a debit card transaction, and " low and behold '' XXXX dollars exactly was deducted from the XXXX I had deposited, however, my account still remains locked. 

My account has now been locked for nearly 2 months. I have submitted 5 support tickets and received at least 4 ticket numbers each. I have attempted to reach out to the company via the online forums : XXXX, XXXX XXXX, and email. Additionally I have filed a compliant with the XXXX ( XXXX XXXX XXXX ). The XXXX attempted to contact them for nearly 3 weeks to no avail. 

I have read multiple instances of people depositing large sums of money into this service, and then due to some " banking error '' their account becomes locked. This is clearly a scam that has been using " Binance '' which is an actual reputable " crypto exchange '' in the form of " Binance US '' in order to scam people. I dont have as much as some of the other people being scammed, but I do have nearly a XXXX USD in there that I want out.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Financial Credit, Inc (FL)

This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX  credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet XXXX  is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. XXXX  does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
Consumer complaint received 2023-06-12
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. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.