davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

The Money Source ( TMS ) is intentionally misapplied mortgage payments during my XXXX  XXXX bankruptcy. I am only due for the current month of XXXX, and just completed a XXXX XXXX  XXXX bankruptcy last month. TMS collected {$6800.00} for arrears through the XXXX XXXX plan ; however that amount was almost {$2000.00} more than the amount that should have been collected. The post petition arrears were only XXXX plus {$650.00} in fees totaling {$4800.00}. Where is the other {$1900.00} ( {$6800.00} - {$4800.00} ) collected through the XXXX XXXXXXXX trustee? Also, XXXX XXXX XXXX XXXX XXXX ( attorneys representing The Money Source ) filed and withdrew their motion to collect after I submitted documentation showing every payment and that I have not missed a payment since filing for bankruptcy in XXXX. TMS 's attorneys apologized for the mix up, withdrew their complaint, and promised to update their records which they never did ... Also, I filed a previous complaint for a mortgage payment that was misapplied last XXXX or XXXX of XXXX. TMS requires me to speak directly to their bankruptcy department, and that department stated TMS misapplied the payment making it appear I skipped a mortgage payment. I have been trying to get all of these issues resolved since XX/XX/XXXX. Over the past few weeks I have repeatedly contacted TMS for assistance in getting the records updated and each time I am told the ticket will be escalated and someone would call me back, but I never get a call back. Please help...
Consumer complaint received 2022-06-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2018-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I have a charge off with XXXX XXXX for my home equity loan. The account is charged off and closed, it was sold to Loan Care in XX/XX/XXXX, you can not report a consumer late when an account is charged off and closed. The last statement I received from XXXX XXXX aka XXXX XXXX XXXX now XXXX and now its subsidiary Loan Care LLC was XX/XX/XXXX. 

Presently, XXXX can not produce a copy of the assignment of Note from XXXX to Loan Care, even if XXXX is a parent company all their assets and liabilities are separated, that said, an Assignment of Note must be executed to validate the debt. 

It has been well over three months that I have tried to negotiate the bad debt with Loan Care, I do not get any return calls from the new representative, XXXX XXXX or status from Loan Care. I ask to settle this account for {$25000.00}, because it is close to reaching California 's Statutes and Limitations to collect the debt.
Consumer complaint received 2022-12-14
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: SELECT PORTFOLIO SERVICING, INC. (DE)

In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX, account XXXX Sps mortgage, has violated my rights. 

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Opened a savings account through my online citi account. At that time I had 2 credit cards. A bonus was offered to open a savings account and earn XXXX dollars based upon deposit. I put in XXXX dollars and kept for the 60 days and waited another 90 for bonus to be deposited. When my account was 180 days old, I had yet to receive my bonus. I was told I didnt open the right acct, then no code. The offer given to me was online. I used their offer link. I took screenshots that included the entire offer, so they are available, to prove I received the offer and fulfilled it. Now Citi needs to do their part.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NY)

US BK XXXX - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (IN)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (PA)

I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in XXXX and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was declined simply to punish me for resisting giving my home address and complaining about it.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (GA)

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021
Consumer complaint received 2016-05-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I have private loans with Navient ( XXXX XXXX ). I 'm a XXXX, XXXX with medical issues, working part time as a XXXX, not what I went to school for!!! I have been making payments or been in some type program that " offers lowered payments '', and they automatically take money out of my account ( BIGGEST MISTAKE EVER ), payments were taken out that I did n't authorize. So I then had to open a new account and got behind on payments. The phone started ringing off the hook, they started at XXXX every morning and continued till XXXX. They called and harassed my co signers at home and their place of employment after being told not to call them there also called relatives. I would call and pay what I could but it was n't good enough, each time I spoke with them I was harassed and/or threatened to the point where I live in fear that I have to pay them and not feed my XXXX year old son. I ca n't live like this any longer. Today they called and told me I have to pay them {$59000.00}, or it gets turned into an attorney. I 'm not sure what to do now? Where do I get help? I do n't have that kind of money laying around, and I have no clue how my loans are so much!!!!!
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I purchased a {$100.00} prepaid card that is issued by US Bank ( card # : XXXX ). This card has a inactivity fee of {$2.00} per month. 

I had tried to use it on and off several times ( few times online, few times in store as a debit card ). I tried to use it as recently as XX/XX/XXXX and it was declined and another inactivity fee was charged on XX/XX/XXXX. Finally, I was able to use it. However, there was a {$16.00} fee charged so far. 

I was under the impression that if I tried to use the card and it did not go through, I would not be charged a inactivity fee because it was not my fault that the transaction could not go through. However, I have been charged {$16.00} in fee. I tried to contact their customer service in order to get the fee waived, but they would not agree to it.

I believe it is not fair to charge fee for inactivity when I tried to use the card and was under tthe impression that it would have considered active if I tried to use irrespective of whether the transaction was successful or not.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB (TX)

" State Farm Bank did not pay my local taxes in 2016 so I had to pay them. I contacted State Farm Bank and they said they would send me a check. This was in early XXXX. Since then, they have given me conflicting stories as to having sent the check or having not sent the check. Of course, you never speak to someone from State Farm Bank, you only get their call service. A supervisor today said the could not guarantee if I would ever get the money but if I did they would over-nite it to me. Not very reassuring.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

My Citi VISA COSTCO card was overcharged for a taxi in XXXX, XXXX  XX/XX/2019. The amount disputed was incorrectly reported to the vendor and should have been {$160.00}. Citi VISA COSTCO will not correct the error because they already reached out to the vendor with the incorrect amount as per Supervisor XXXX. 

The cost of the taxi from XXXX to XXXX should have been XXXX Euro. The taxi drivers colluded in XXXX and added 2 additional parties and charged a total of XXXX Euro or {$500.00} for a 1 hour taxi ride. This was dishonest and fraud. The XXXX   Euro cost of the shared taxi should have been split 3 ways between the 3 parties at {$43.00} Euro or {$48.00} each. When I tried to resolve this with the taxi driver he was nasty and threatened me in front of my family. I had no choice but to pay.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-08-23
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. (MN)

Equifax responded to Complaint XXXX & Complaint XXXX stating that the disputed fraudulent inquiries were removed. That was a lie. On XX/XX/22 I received confirmation XXXX through my Equifax.com that the disputed inquiries will remain after only a 10 day investigation and no proof these inquiries belonged to me. This is not in compliance with the Fair Credit Reporting Act.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (NM)

1. I was checking my credit report on XX/XX/2022 and was surprised to find a medical collection for the amount of {$630.00} that I was not aware of and have not been informed about. 
2. On XX/XX/2022 I sent a certified mail with return receipt the the collection agency requesting a debt validation. According to the return receipt, XXXX delivered the mail on XX/XX/2022 at XXXX. 
3. To-date, the collection agency has not responded to my inquiry.

4. I have never sign any authorization to release my medical related information.

5. As far as I know, I do not owe this debt.
Consumer complaint received 2022-04-25
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. (NY)

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I've had my name and XXXX  changed since XX/XX/XXXX, and have since repeatedly contacted Equifax to change the information, but they report that I have to change it with my accounts ( with student loan agency XXXX ), which I have done already, but there has still been no changes. My first, middle, and last name were changed, and were changed with the SSA in XX/XX/XXXX. My State Driver 's License has been changed since XX/XX/XXXX. It should be noted that the name change is confidential and sealed by the courts for the purpose of my personal safety.
Consumer complaint received 2022-10-24
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. (PA)

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 2022-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX XXXX in XXXX, CA. I am a veteran and submitted my payment information to the hospital. To my knowledge, the nearest VA hospital was in XXXX, CA at the time ( a drive of 3 hours or more ). The VA subsequently paid for the hospital bill but neglected to pay the Physicians bill to XXXX XXXX XXXX XXXX. It was brought to my attention in XXXX that I still had an outstanding bill with the hospital and that it was being sent to collections. I contacted the VA concerning this issue. XXXX VA at first said the bill was already paid, but I then told them about the physicians bill. The VA then requested that the physicians group contact them. The group agreed to do so and later reported that the VA was not responding to them. I call the VA and asked them to kindly attend to the unpaid bill since it would soon affect my credit. The bill eventually went to collections due to noncooperation from the VA. Apparently that debt was bought by another collections agency because I have recently become aware that my credit was downgraded by a debt collection agency called Commonwealth Financial Systems , Inc . Unfortunately, Commonwealth Financial Systems , Inc. is using predatory practices on me to collect on a bill that belongs to the Veterans Health Administration. I am requesting that this issue be addressed. I have tried to work with the VA and have only received the run around. Assistance would be much appreciated.
Consumer complaint received 2022-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

Hello! This is for the Capital One XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called Capital One XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Consumer complaint received 2022-02-01
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. (SD)

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXXXXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report