davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Citi computer systems misrepresented the amount due and instigated auto payments when in fact they had been paid and the account showed a zero balance. Auto payments resulted in {$54.00} in NSF fees to which Citi 's response was " present our letter to XXXX and maybe they will refund the NSF fees ''. 

Details in attached letters, Citi statement and XXXX and XXXX statements. 

I did reach out to XXXX and they did (! ) refund the NSF fees. That's a mystery to me.
Consumer complaint received 2022-09-12
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-02-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Have been trying to cancel my monthly subscription with Experian ( https : //www.experian.com/ ) credit reporting. It's been over 4 months they have not cancelled or responded back over cancelling membership. 

I have emailed them couple of times. Called company a lot times. 
They tend to keep on hold people for cancelling subscription and never pick up or respond back. 
I was able to get in touch one time with representative but they did not cancel subscription and dropped call while in between. 

At first I thought this was because of huge traffic. After a little bit of research I found that it's the problem with everyone. Company Experian does not entertain cancelling membership subscription XXXX XXXX XXXX Complaint against experian can be found here
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services has placed a account on my credit report. The account is filled as XXXX XXXX on all of my credit reports. However, when I call the representive says they are with Resurgent Capital services and they are handling the account. The account is listed as originating from XXXX XXXX XXXX and opened on XX/XX/2017. I have contacted the orginal creditor, due to the fact that I have a credit card with XXXX XXXX XXXX and I am unaware of a second. I asked for all original documents pertaining to this account to be sent to me from Resurgent Capital Services/XXXX XXXX to verify the account. The process they have instructed me on is unrealistic. They want me to file a affidavit with this site, the police department, mail everything to a XXXX XXXX and await a response. However they have not given me a date of account origination or original documents as requested. All they send me is old billing statements from charges made. Which does not prove ownership. I have disputed this account in the past with XXXX XXXX XXXX and it was removed. It appears that it was then sold to this agency and they are making it extremely hard to prove this is not my account.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have contacted the 3 credit bureaus to correct the balances reported into my credit reports to two credit cards. I have also contact XXXX XXXX  regarding the incorrect balances reported in my credit report. XXXX XXXX  account representative has advised me that I have a {$0.00} balance in both accounts, and they have sent the information to the 3 credit bureaus and that I need to contact them if they haven't updated the information from the end. XXXX XXXX  as advise me that has sent the updated information in couple of occasion. I called the 3 credit bureaus and they had completed the investigation and they come up with the balances are correct. I requested for what type of verification they used to proof the balance is corrected and they can provide me with that information. This account has {$0.00} balance back since 2021. The credit bureaus and XXXX XXXX  has me back and forth and no resolution has been made to my credit report. Please help me to resolve this situation. This should be an easy fix. I do not want to go to a legal process when XXXX XXXX  states that I have a {$0.00} balance in the following accounts : XXXX XXXX balance on 3 credit Reports {$1000.00} XXXX XXXX balance on 3 credit reports {$1100.00}
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Plus Inc (NM)

At fault party : Credit Plus My home loan lender, XXXX XXXX  in XXXX, NM, requested a credit report supplement from Credit Plus to reflect that I have and still am making payments on my student loans since the federal government has placed everyone in forbearance due to COVID-19. On XX/XX/XXXX I called Credit Plus and spoke to Agent XXXX who said that she would conference me with XXXX XXXX ( student loan lender ) so that my credit report would reflect payments made instead of no payments made since my bank statements and credit report reflect a payment amount and I spoke to XXXX XXXX agent XXXX who confirmed that I am not only making payments, but above the minimum {$0.00} set by the forbearance status. XXXX asked XXXX questions such as : 1. What my student loan account balances? 3. When and what was my last payment are on each account? 4. When are the next payments? 5. When am I expected to pay back loans, etc.? XXXX answered all questions, confirmed I am making payments and that I wont owe anything on each account until XX/XX/XXXX. Per XXXX, she would adjust my credit report comment that I am making payments and send the new report to my lender and officer XXXX XXXX. After XXXX received the report, she notified me that Credit Plus still did not make changes to reflect that payments are being made even though my bank statements show that I have and still make payments and verification with XXXX XXXX. My credit report is still showing the comment no payments made after verification and spending an hour on the phone with XXXX and XXXX. XXXX failed to make changes to my credit report when she said she would. XXXX didnt even have her questions prepared and she had to put XXXX and I on hold three times to ask her leadership what to ask me, during the conference call. I believe this unchanged credit report is part of discrimination and intentional.. XXXX not only failed to update my credit report but she was being coached to asked questions that had nothing to do with the supplement requested by my lender. This is delaying my ability to get my home loan, it is unprofessional and part of structural racism. I asked XXXX for a copy of the questions she asked during the conference call and the information she received from me. She said she would send it to the lender instead of emailing it to me to withhold this discriminatory practice. The reference number to my case with Credit Plus is XXXX Resolution : THE REPORT SHOULD BE SAYING THAT I AM MAKING PAYMENTS SINCE I AM MAKING PAYMENTS ; confirmed by my home loan lender and student loan lender.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Each month I pay extra principal for my federal student loan. Navient refuses to apply this extra portion towards principal and has been applying this towards future payment despite my repeated requests not to have this happen. This is costing me money in the long run. Their site also says that I have the option to choose how extra capital is applied but there is nothing in the site that allows for this. They have been misallocating my payments for over 36 months now.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased a {$100.00} Vanilla Visa Gift Card on XX/XX/XXXX ; XXXX p.m. at XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, STR # XXXX for my niece. She tried to use it and learned it had been hacked, fraudulently used and therefore no funds available. She filed a complaint with Vanilla Visa customer service and has been contacting them via email ( providing all they requested ) and via telephone since XXXX to the present date without success. I notice now there are several complaints against Vanilla Visa for the same lack of response and resolve to consumer complaints. We respectfully seek your assistance for reimbursement.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I " sold '' a car through XXXX to a person who sent me a check for {$20000.00} dollars. I presented the check to an officer of the bank ( Chase ) and asked him to verify the check for me before I deposit it as it was for a lot of money. Without even looking up from his desk he told me to just deposit it and see what happens. As per his advice, I did that. The following day the person who sent me the check informed me that the check had an overpayment of {$2400.00}, which it did, and asked me when the check clears to XXXX him the {$2400.00}. The following day Chase had placed the {$20000.00} in my account and indicated that it cleared. I then sent him 2 XXXX payments, one for {$2000.00} and another for {$400.00} to make up for the overpayment. A few days after that Chase took out the {$20000.00} from my account indicating that the check was a fraudulent check. I was out the {$2400.00} I sent the scammer. 
I feel that Chase failed on several levels. Firstly, the bank officer failed to verify the validity of the check when asked by me. They ( He ) could have called the bank that the check was issued from to see if it was real. Secondly, Chase should not have cleared the money into my account making me believe that the deposit was a good one. I would never have returned the {$2400.00} to the scammer if the money was not in my account. I contacted the bank ( Chase ) several times and they deny any responsibility. I'd like my {$2400.00} returned.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (CA)

On XX/XX/XXXXXXXX XXXX I attempted to withdraw money from a Comerica Bank ATM, located at XXXX XXXX XXXX XXXX, XXXX XXXX, as I had done many times before. The machine seized my XXXX XXXX XXXX ATM card ( I do not have an account at Comerica ) for no apparent reason. With COVID, the actual bank branch was closed, so I contacted Comerica customer service and could not get connected to a live human being. I then contacted the Comerica XXXX XXXX branch, and was told by a man he could not help me get my card back, that the card would be destroyed, and that I needed to contact my own bank for a replacement. He would not give me the name of a supervisor or manager to contact. Basically he stonewalled me. I am now without ready access to my money ( most XXXX branches are closed too due to COVID ), and have spent an inordinate amount of time contacting my own bank and fixing this mess.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for Ashley Furniture could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.
Consumer complaint received 2020-06-30
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. (CA)

I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, XXXX  and Transunion made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my XXXX  and Transunion credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.
Consumer complaint received 2023-02-07
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. (NC)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update the suspicious information. I think you have not validated these accounts This was already included in my prior COMPLAINT, and I'm including it again. 

Here are the accounts that need verification : 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 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NY)

I received a Notice Of Collection dated XX/XX/XXXX.

on XX/XX/XXXX I called the number of the company, I asked for supporting documentation to support their collection amount, and more details, because the information on the letter is not correct. 
The representative simply hung up the phone
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations
Consumer complaint received 2018-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

The principal amount owed on my mortgage is {$190000.00}. The original appraised value of the home was {$250000.00}. I am still being charged for PMI each month even though my principal is below 78 % of the original appraised value. I called Seterus in XX/XX/XXXX and they told me that I would no longer be charged for PMI as of my XX/XX/XXXX statement. I was charged for XX/XX/XXXX and my XX/XX/XXXX statement shows that I am still being billed for PMI.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

XXXX is showing multiple lates which is incorrect. I was in a modification plan which I paid on time. I requested a copy of the plan multiple times and they would not send to me. They sold my mortgage at the end of XX/XX/2019.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Mortgage company Carrington mortgage has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

First off, my wife is currently surviving stage XXXX XXXX XXXX since XXXX. Treatments of intense XXXX and XXXX have caused some XXXX  issues that we are, my kids and I, still learning to cope with. 
The above does play into the events of XXXX, XXXX. Being financially strapped from working as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  to make ends meet we lost everything. 
My wife, trying to help, responded to an ad that would pay x amount of dollars to wrap your personal vehicle for advertising XXXX XXXX. Something she could do being XXXX. She received a {$1200.00} check from XXXX XXXX XXXX  out of XXXX, Ohio. XXXX thought maybe the advertising company 's lawyer maybe? This was supposed to go for getting her car wrapped and as first payment. She deposited the check, I believe it was XXXX & XXXX  XXXX  on the check, but she deposited it into our Bank of America account. 
My wife called for several days in a row and the customer service reps continued saying " it's still processing '', etc. My wife even alerted then that she was starting to not feel right about the check. 
I was approached by my wife and she explained the situation and the first thing I thought was " scam ''. I called Bank of America but instead of helping me, I was told that I was lucky they weren't pressing charges for counterfeit check. Now their mind was made up. I was not allowed to explain. There were no offers to assist me with what had occurred and just really, really, rude and short answers. 
After reporting that I tried to fraudulently cash a check, I have no way to open a bank account. I am building my credit and have my debt down below {$3300.00}, and trying to recover from almost losing my wife and raising teenage kids. I'll never get a mortgage without a bank account and for Bank of America to have the power to stand on my head and prevent me from moving forward in life for my family, unacceptable. It's been almost a year and the great bank I just left sadly denied me an account again. In 8 months my credit score has gone up almost 100 points. I'm putting forth the effort, and I know my wife made a mistake and for them to let us go I understand but why are they preventing me from moving forward with my life. I feel trapped and stuck with no help in sight. Just want a home, we already lost everything just let me eat it back. Not asking for a handout just want to be able to open a bank account.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NY)

I am a victim of identity theft. The Fraudulent Activity happened XX/XX/2013 with a balance of {$13000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  should not be reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX XXXX XXXX  as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.