davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

Last week started getting debt collection calls for a XXXX XXXX XXXX XXXX verse account of XXXX ish usd from Sequium. 
I dont owe XXXX XXXX XXXX  any money, I never signed anything with them nor noticed and contact with them about a debt. 
My service with XXXX XXXX was interupted for 2 months in which I had no service but still had to pay around XXXX each month ( around XXXX total ). I eventually ended my service with XXXX XXXX XXXX and received no notice from them to my recollection. 

I just got off the phone with Sequium and tried talking with them. They refused to give me their mailing address twice then hungup on me.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I have attempted to short sale my home for the last year with the repetitive declines stating that the offer was not sufficient. We have asked for a valuation dispute and was advised that we were not eligible to dispute the value of the home. This last review I was advised that the offer of {$370000.00} was not valid - and that the offer needs to be {$470000.00}. The bank was sent an offer for {$470000.00} and they are now stating that the file is denied due to an invalid offer.     Please help me have my file accurately reviewed as the Bank is not acting in good faith with my situation and it seems that they wanted to foreclose on my home no matter what.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Innovis (FL)

The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.
Consumer complaint received 2024-01-29
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2019-10-29
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. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.
Consumer complaint received 2019-10-29
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. (UT)

XXXX XXXX XXXX XXXX # XXXX*** is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.
Consumer complaint received 2022-08-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights 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.
Consumer complaint received 2022-02-15
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. (GA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXXT XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$20000.00} DEPTEDNELNET XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX  XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00} ChargeOff XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX IN XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX REC XXXX Balance : {$120.00} XXXX XXXX, XXXX XXXX XXXX : {$69.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$790.00}
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I setup AutoPay for my Bank of America VISA credit card in XXXX and called Bank of America to verify it was setup correctly. I was assured by customer service agent that AutoPay was setup and my payment would be debited from my bank account on the due date XX/XX/XXXX. However, I noticed on XX/XX/XXXX, there was no payment made to my credit card account. I called Bank of America customer service who informed me that the AutoPay will take few statement cycles to setup and took my payment on the phone and was assured there would be no late fees. However, I noticed on my XX/XX/XXXX statement, I was charged a {$25.00} late fee. I spoke to XXXX ( XXXX ) XXXX in Bank of America customer service today ( XX/XX/XXXX ) and explained the situation. XXXX refused to waive the {$25.00} fee. 

It is unfair to charge me {$25.00} late fee, when I signed up for AutoPay in XXXX and failure on the part of Bank of America to withdraw the payment on the due date XX/XX/XXXX. Despite my best efforts to validate the AutoPay setup, I am being unfairly charged a late fee after being a customer who has paid on time since XXXX.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation (OR)

In XXXX I entered into a payment arrangement with Performant Recovery Inc. to pay XXXX a month. I made these payments in a timely fashion. In XX/XX/XXXXI transferred to a new bank and contacted Performant with my new account information, giving them my new account and routing number so that I would not default on my payments. Several months later I recieved notice that I was three payments past due and was asked to pay XXXX dollars before XX/XX/XXXX or my loan would default. I sent them XXXX before the date. I have records of all my payments, which I have sent to XXXX and Performant and included in my dispute.
They transferred my account inXX/XX/XXXX to XXXX XXXX. and considered my account in default status giving me no explanation as to why. I have disputed this with them on several occasions. The only explanation after my dispute is that my account has been " resolved '' but if that is the case my loan would never have been transfered, I would never have been charged XXXX  extra in interest and they would have honored my payments. When I have tried to speak with agents at Performant they always inform me my account has been transferred with XXXX and to speak with them. When I ask XXXX why my account was transferred they tell me it was considered defaulted but ca n't tell me why and have me dispute it. I 've been in a cycle with these people and getting nowhere.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In  XXXX   2017 , SPS was sent a Congressional Inquiry from Congresswoman  XXXX   XXXX  's office about issues related to their erro  neous assertion that they have servicing rights and therefore a financial interest in our home.
SPS has yet to respond to the Congressional Inquiry but   has scheduled a foreclosure sale for  XXXX   XXXX ,  2017 .
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX, I made 2 ACH withdraw from XXXX. one for $XXXX, one for $XXXX.On XX/XX/XXXX, I made another ACH withdraw from XXXX.On XX/XX/XXXX, I found out from my bank, XXXX, that they have suspended my account by mistake, they reopened my checking account but they sent those ACH deposits back to XXXX already.Since then, I have been contacting XXXX multiple times via email, phone call to see if I can find out where those total of $XXXX returned fund is. I got some standard response about they will let me know when they have more information.I confirmed from XXXX XXXX multiple times that the money is already sent back to XXXX XXXX  account the same day. And it will be up to XXXX to credit those fund bank to my XXXX  account.So far, 3 weeks past, I still didn't have any information about where that $XXXX fund is and what XXXX will do to fix the issue.XXXX Case ID: XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax  Re :  unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX    XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Lease trader which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-15
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: OPORTUN FINANCIAL CORPORATION (LA)

I have   XXXX   inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.       XX/XX/XXXX    XXXX  / XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.
Consumer complaint received 2017-06-15
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: CITIBANK, N.A. (CA)

On  XXXX   XXXX ,    2017  I booked  XXXX  tickets to  XXXX  for  XXXX  Thank You Points through the Thank You Rewards Portal. Nowhere on the Reward booking page did it state that middle names of the passengers must be included on on the booking. The airline is  XXXX   XXXX  is fraudulent and demands that the ticket be cancelled and re-booked in order to add a middle name.  XXXX   XXXX  and  Citi cla im that they can not edit the name on an airlines ticket and the customer must pay {$160.00} to cancel the airline ticket. This practice is fraudulent, criminal and highly misleading. None of these details were disclosed at the time of booking . Citi T hank You and the ir 3rd pa rt travel booking service is knowingly doing business with a crooked and deceitful airline in order to cheat customers and not disclose key details at the time of booking. I conta cted Citi  on  XXXX   XXXX ,  2017  and they claimed there is nothing they could be but charge {$320.00} total to cancel my tickets and refund the reward points.
Consumer complaint received 2018-03-27
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. (MD)

I am repeatedly having problem 's with XXXX, investigating and deleting this fraudulent address from my credit file. I have contacted XXXX several times requesting that they investigate a fraudulent P O Box address listed on my XXXX Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my XXXX  Credit report is attached to this address. This is not nor has it ever been my address.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

1 ) The bank charged excessive NSF fees by paying a large sum amount rather than returning the large item and paying the smaller amounts. They have done this for years and it is causing a financial hardship. Over XXXX since XX/XX/XXXX. 

2 ) The bank charged me XXXX in service fees since XX/XX/XXXX when there were other options available to me.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (FL)

I had an automatic payment bill for XXXX set up with my Citibank account. Recently, I called them and asked them to cancel the automatic payment. I don't have the exact date but it was before XX/XX/XXXX. On XX/XX/XXXX, a check of XXXX was withdrawn and it bounced because the payment I had canceled wasn't canceled, so the money I was sure it should be in my account wasn't. I had to call them again to cancel de automatic payment and they don't want to refund the XXXX dollars fee of the check that bounced. I had to waste my time calling them to cancel the automatic payment and because of their incompetence, my check bounced. That is unacceptable to be charged any fee under these circumstances. I want the reimbursement of the fee. I asked the customer service agent to escalate the situation and the supervisor said she could not do anything about it. I told her to escalate and she said it would take a couple of business days for a manager to contact me. That is unacceptable, their mistake needs to be fixed as soon as possible.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

PHH Mortgage of XXXX. XXXX, NJ had stated that they sent a check for an escrow overage. I never received the check from PHH. I contacted PHH a few weeks after I did not receive the check and they stated they would have a new check issued. I waited another 14 days and contacted PHH again. At that time PHH told me my loan was paid off, it was not paid off as my loan was just opened a year ago. I told PHH that my loan was still open and that I wanted my escrow disbursement. PHH then told me that the check sent for the escrow overage was " cashed. '' I stated that I did not cash the check. PHH then told me they would send me a copy of the cashed check in 7-10 days. After not received the supposed  cashed check I contacted PHH again. PHH again stated that they would send the cashed check. I have not received the cashed check or the check that was not cashed. They have been a nightmare to work with.