davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
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. (FL)

My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

The banking institution I currently have a checking account with, JP Morgan Chase, has been charging my account exuberant overdraft fees that put my account minus - {$600.00}. at one point!

I do understand that some of those fees I am responsible for but to blatantly over charge my account up to the point of over drafting it is, honestly, unprofessional to the point of shocking! In addition, to add salt to injury ( so to speak ), I have been paying these fees further straining my finances and was only resolved when I called an agent to ask for additional time to pay down my overdraft account ( - {$600.00}, it was much higher before ), unbeknownst to me that most of that was due to overdraft fees of the bank itself. 

The agent I spoke to was polite and actually reversed 29 fees at {$34.00} each! My account was - {$600.00} before I called and after the reversal of fees my account now sits at {$380.00}. How is this fair business practice when the bank was charging me {$980.00}. in fees alone!? 

Although the issue was eventually resolved and my account is now positive I still feel cheated by the bank I trusted to safeguard my money. This is not fair and, how many other instances and customers is this bank over charging their accounts and simply letting these fees accumulate to outrages amounts that solely benefits the bank itself!? 

Again, please imagine that a bank ; an institution that is designed to serve customers and safeguard their money ends up charging you {$980.00}. in overdraft fees alone. Irregardless of the fact that I didn't manage my account properly it still stands that this type of fee hiking is not acceptable.
Consumer complaint received 2021-01-17
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. (TX)

I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX FI Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX 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 2021-01-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Collection Services, Inc. (Nevada) (PA)

My name is XXXX XXXX and my XXXX cell phone bill went to collections. On XX/XX/2020 I received a phone call from a debt collector, I told her that I was unable to make a payment and the debt collectors ' response was, I don't understand why you can't pay your phone bill when you just received a {$600.00} stimulus check. I told her she had no right to say that to me and I hung up. I called back and spoke with another debt collector and told him what happened. He stated that she shouldn't have said that to me and transfer me to the supervisor. The supervisor whose name is XXXX talked over me and hung up. The name of the debt collection agency is ACSI the phone number is XXXX. I called the corporate office at XXXX and was transfer back to this XXXX person. I know that the money is owed back a debit collector has no right to tell me she doesn't understand why I can't pay my bill because I just got a {$600.00} stimulus check. She was very rude and inappropriate. The debt collector doesn't know if I received a stimulus check. Please help me the supervisor XXXX stated that she listened to the call and didn't find anything wrong with how it was handled.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I am visiting from XXXX, and wanted to purchase a prepaid XXXX card to make a online retail purchase, as the retailer does not accept credit cards that do not have a XXXX billing address. On XX/XX/XXXX, I purchased {$100.00} on a variable amount prepaid XXXX gift Card from XXXX # XXXX in XXXX XXXX, CA at XXXX am PST. The card is issued by U.S. Bank National Association. The tab covering the XXXX digit number was intact, and the cashier gave me an Activation slip showing the card was " activated '', and had a {$100.00} balance. I went to the card provided website to register the card, and after XXXX or more attempts to register the card, I was directed to call the website. After waiting for XXXX minutes to speak to an agent, I was told that someone had tried to use the number on my card on XX/XX/XXXX, XXXX days PRIOR to my purchase, and my card was no longer active. The card could not be reactivated for me to use, and my ONLY RECOURSE is to have a new card mailed to me within XXXX business days to the XXXX address where I am staying. 
I am returning to XXXX on XX/XX/XXXX, and the issuing institution is '' unable '' to either provide me with a new card number over the phone for me to use online immediately, or expedite sending me the new card prior to me returning to XXXX, as " their courier can not guarantee delivery from XXXX, FL within XXXX days due to the holiday ''. 
The card can not be used outside of the XXXX, so I can not have it sent to XXXX to be used there. I essentially have lost {$100.00} XXXX ( {$100.00} plus the {$5.00} activation fee ) as I can't make the purchase I intended prior to returning to XXXX, and I won't be at the address they are sending the new card to use it. 
The fraud in my situation is not that someone tried to make a purchase with the number on the card I selected prior to being purchased. The fraud was committed when the issuing institution, U.S.Bank National Association, allowed the retailer ( XXXX # XXXX ) to accept payment and provide an " Activation Status Receipt ", knowing the purchaser would NOT be able to use the card until they called the issuing institution to find out why the card didn't work. 
The issuing institution is essentially stealing my money for XXXX days, and charging me a fee of {$5.00} to earn interest on my money while I wait for them to return the stolen funds. If I had not call them, but tried to use the card at an in person retailer or restaurant, I could have faced humiliation, embarrassment, or even legal consequences as the card I expected to be " Activated ", ( I wasprovided me with a " Activation receipt " ), would have been rejected, and perhaps had no other funds to pay.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Ive been having trouble trying to get this item removed from my credit. To my knowledge I maxed out my credit card while going through financial hardship. My credit card limit was {$500.00}, It says I owe a whopping {$790.00} which is ridiculous. Ive proven I was able to make on time payments, by going from {$300.00} to {$500.00} increase. The last payment I made was on XX/XX/2020 in an attempt to start clearing the debt, and they decided to close my credit card on XX/XX/2020. I would like to see what can be done about this, Is one of the more serious reasons my credit score plummeted, making it hard for me to acquire almost anything.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Balance : {$3100.00} - You are reporting an inaccurate payment history. You can not keep this incorrect and inconsistent information on my file, Please Delete. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I had requested a refund from nelnet on XX/XX/30 which they had approved & since then I have had no contact & no refund from them. As this refund was for {$21000.00} I think it is very disrespectful to move so slowly with no contact with such a large amount of money. During this call they had stated it would take 4-6 weeks to process. As we approach the 6 week mark with no contact I fear they have not made me a priority.
Consumer complaint received 2020-05-26
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)

XXXX, Equifax and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY ) XXXX XXXX XXXX # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only XXXX  who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) XXXX  and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX/XXXX  I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX  they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus XXXX, XXXX and Equifax wont remove the XXXX/XXXX  they keep referring me to contact XXXX  and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in 2023. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. Equifax score is over 600. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially XXXX I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.
Consumer complaint received 2018-03-15
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. (MN)

I have put in disputes to XXXX, Experian and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.
Consumer complaint received 2021-02-25
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. (WI)

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with Trans Union and XXXX and the item has not been removed.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Back into XXXX of 2010 during this mortgage crash me and my wife were part of this with our second home. We tried and did everything the bank ( specialized loan service ( SLS ) wanted us to do. They finally offered us a program called DEED IN LIEU instead of a foreclosure. we accepted this and they even paid us under their cash for keys program which is only given out for deed of lieu or short sales. 5 1/2 years later when we are applying for a new mortgage an open foreclosure is showing up on our credit report instead of deed in lieu from this bank SLS. After numerous talks with different departments within the company, faxes, written requests and a copy of out credit report so this error can be corrected on our credit report, me and my wife are getting nothing but a run around. I had XXXX different customer service reps and a dept manager say that our file looked messed up, that it should be reading one way but reads another way. They all said they do n't know where to begin. 

We showed them the proof, they saw the proof in their files. The manager even said a deed in lieu was started but never completed. They see the cash for keys check issued ( XXXX XXXX, 2010 ) and a copy of the deeds and verification of mortgage. We really need help with this and have no where else to turn. 

This is the only thing prohibiting us from obtaining a new mortgage. Our credit is outstanding except for this mark on our credit report. We can not get them to help us fix their error. We are at RISK OF LOSING THIS NEW HOME because of the wording in our credit report. Time is fast approaching for our settlement date. We waiting the 5 years for the XXXX, DEED IN LIEU time, only to be hit with this.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged identity theft however I still have ITEMS left that needed to be removed. Upon reviewing my updated personal credit report again, it has come to my attention that several new erroneous information appeared on my record despite previous request for their removal and blockage. Please see here those information for removal : TRANSUNION : 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 2015-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open account associated with my XXXX XXXX Balance : {$240.00}. 

During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open account on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open account on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open account. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$240.00}.