davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion 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 remove the following accounts completely from my Credit Reports : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}
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. (NY)

XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX  were appropriately removed. As such my record continues to show NO payment made by me to XXXX since XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is XXXX and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY (GA)

I have a bluebird prepaid card that offers mobile check deposit in MINUTES. It's been over an hour and my check has not deposited. I called 8xs and got transferred to ingo where I was " 3 '' in line and no one ever comes to the phone! This is against the law either approve my check deposit or decline it so I can go somewhere else XXXX And XXXX were two of the reps I talked to at bluebird they like the other 6 hung up on me too!
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (PA)

I am a consumer in pursuant to XXXX XXXX XXXX, XXXX, XXXX, and JPMCB is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX, XXXX, nor JPMCB consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name and address with a false amount and no contract. They stole my identity this is a {$1000.00} violation. In pursuant to Title 31 U.S.C. Sec.3123 all debts are United States obligations! In pursuant to The False Claims Act ( FCA ), 31 USC 3729-3733
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, while I was at work, I was alerted via text and push notification on my phone that my account was overdrawn, after investigating there were 2 charges on my debit card that were not made by me at XXXX and XXXX XXXX XXXX for {$430.00} and {$32.00}. I immediately called my bank, closed my old debit card and had them issue a new card, then opened a fraud investigation with XXXX XXXX. They then provided me a temporary credit in the amount that was charged and they said they would investigate. 

I then received a notice about 2 weeks later stating that there was NO FRAUDULENT CHARGES made and that the provisional credit will be removed on the XXXX. 

I need to re-iterate that i have never made any purchased on XXXX and these charges need to be re-investigated.
Consumer complaint received 2018-02-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (KY)

I co-signed this student loan for my son in XX/XX/XXXX when it was XXXX XXXX. My son wasn't working and he had a degree in XXXX XXXX but he was trying to get XXXX Certifications. Over the course of the loan, I tried to make timely payments. Probably somewhere around XX/XX/XXXX, I started to struggle with making the payments and while they were not made on the exact day due, they would be made before the next due date. If my payment was only one to two days late, the phone calls would start. The calls would be relentless to where I just wouldn't answer the phone. Sometimes I picked up the phone not knowing it was them because I couldn't ID the caller. When I did answer, the Navient callers could be brutal. At times, I would tell them that I had already gone on line and set payments. They acted as though they couldn't look at their system and see that I had set payments to be made and they would press me anyway. I would tell them if they would just check their system that they could see that a payment was set to be made. They treated me as though I was lying and the next day I would get a call again. I would tell them that I had just talked to someone and I had already set a payment to be made. My biggest complaint is the harassment and how they would talk to me. They never told me about any way to help me payoff the account in a way that would help me. They offered me no help, only harassment!!!! Today I have finally paid the account down so that I can be rid of them. But, I do feel that I am a victim of their harassing collection practices.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Someone must have stolen my information and my chase account is in the negative and I dont know how this happened. I have reached out to them. I am a victim of fraud and identity theft. I need to file disputes cause someone got a hold of my account.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I discovered that my credit report or score has not been updating on my end since XXXX. I called Experian Friday and the representative advised me to call Monday when someone could handle my situation. He did not even try to figure out what my issue was. He told me no supervisor was available and I have to call Monday even though the app says they are open on weekends. I called again today and each of the reps were rude to me aside from transferring me 6 times. All I wanted was to know why my credit has not been updating. This is unfair to have your life dangle at the hands of people who could care less. This is disgusting because I as a consumer have no alternative and I am needing accurate information to take further steps in life. Experian has held my life up instead of being a decent company and having reps to actually do a job. I called XXXX  and received stellar customer service as well as guidance on how to fix my issue in less than 4 minutes.
Consumer complaint received 2018-02-11
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)

In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from Experian and XXXX   and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.
Consumer complaint received 2018-02-11
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: Avant Credit Corporation (MI)

I disputed with this company back in XXXX the company is Avant. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX  has so many names and addresses on my file I didnt sign up for this.Please reach out to this company Avant to investigate.
Consumer complaint received 2021-06-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These accounts do not belong to me, please remove them from the 3 credit bureaus.

Please see negative accounts which I want removed from my credit report.

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-07
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. (SC)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2018-02-11
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: Experian Information Solutions Inc. (IL)

I have opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. 

They have refused to properly investigate my dispute and delete the unverified accounts.
Consumer complaint received 2021-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp. (GA)

SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (CO)

On XXXX XX/XX/2021, I attempted to close my account with Bank of the West. I had a checking and savings account. I physically went into a branch ( located at XXXX XXXX XXXX, XXXX, CO XXXX ) and asked the bank teller to take out all of the money of my checking and savings account. I received cash in the total of the two accounts. I asked for my accounts to be closed again. I received confirmation that this would occur. On XXXX XX/XX/2021, I received a statement and logged in to my online account. There, I received a fee of {$15.00}. I called Bank of the West to resolve this issue, but they were unable to do so, insisting that I overdrew my account ( because of the fee for not having sufficient funds, when I should not have had an account open with them ) and refusing to close my account until I paid the balance in full.
Consumer complaint received 2018-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IN)

This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( EQUIFAX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.
Consumer complaint received 2020-01-24
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: BANCO POPULAR DE PUERTO RICO (NY)

On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by XXXX XXXX XXXX , XXXX using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by Popular Auto in XXXX XXXX, Puerto Rico, using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ). 

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.
Consumer complaint received 2021-06-08
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. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-02-09
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: Debt Recovery Solutions, LLC (AZ)

I noticed 2 new accounts on my credit report that I didn't recognize for a company called Debt Recovery Solutions LLC. I contacted the company and asked them to please explain how these accounts were opened in my name and to please send me the necessary documents so that I may verify the debt. The man I spoke with said the account had my name, address, and SSN, but the birth date was not mine. I know for a fact that I did not open any accounts recently and that these accounts are not mine. Yhe man said he would send me the documents right away and they never came. I disputed the accounts with XXXX and there is an active investigation. I checked my report again yesterday and found the accounts still under investigation. I also found 7 additional accounts were opened on XX/XX/2018 with the same company : Debt Recovery Solutions LLC. A total of 9 fraudulent accounts were opened without my knowledge or consent and the company knows this was not me but they are doing nothing to stop the activity.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

I received a phone call today at XXXX Tuesday XX/XX/XXXX about a debt of {$780.00} for services dated back to XX/XX/XXXX. The ladies name was XXXX and I told her the debt was not mine. XXXX said on the phone that Allied business services has called me 52 times. I would think that's harassment. This debt also does not appear on any of my 3 credit reports.
Consumer complaint received 2021-06-07
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: CITIBANK, N.A. (CT)

these accounts don't belong to me. please remove accounts : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft CITI Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo sent us a letter dated XXXX XXXX that we just received TODAY XX/XX/2022. Stating that they were nonlong will to move forward with payment assistance because they did not recieve the documents needed to review. These documents have been sent in via the ENVELOPE Wells Fargo provided to us. Emailed to the executive office contact and they still haven't received them. Wells Fargo has been XXXX percent discriminatory towards us. We have suffered with COVID. My husband and I both work in the restaurant business the hardest hit industry. Well Fargo has illegal cancelled our XXXX policy on this mortgage and continued to charge us for a product they cancelled with PUT our consent. And we submitted 2 claims they also claimed they never received them as well.