davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (MO)

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never ceased to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} DEPT OF EDUCXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$980.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX {$8900.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXX XXXX {$690.00} XXXXXXXX XXXX XXXXXXXX {$720.00} XXXX XXXX {$1200.00}
Consumer complaint received 2021-02-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I removed my pension from XXXX due to identity theft. I deposited the funds into a newly open account with 5/3rd. It was put mainly in a savings account. My husband has XXXX  and XXXX XXXXXXXX XXXX. I agreed to use my savings to remodel the basement for him. 5/3rd has put a hold on all my accounts and will not allow me access to the funds.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

Yesterday, XX/XX/XXXX, I had balance of XXXX. I noticed it lowered to XXXX ( XXXX lower ) after someone was sending me XXXX. The XXXX has no transaction tied to it. The XXXX has not been added to my account even though the app shows it was completed- it was not. I contacted them through the app XX/XX/XXXX and no one has helped me since- Its now XX/XX/XXXX. This is not the first time this has happened. I need my money.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$2000.00} Balance updated XX/XX/2021 the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. What would you like done
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation (TX)

Regional Finance constantly contacted me multiple times per day after making arrangements to pay. They contacted my husband who is not listed on my account and solicited a payment from him. They also provided him with information regarding my account and the account status. He is not on this account or authorized to receive any information. My son dropped off the payment close to their closing time and they refused to provide him with a receipt but took the payment from him. This concerns me because I 'm not sure if the payment was applied to the account. When I called to speak with the store manager XXXX she placed me on hold and neve returned to the phone regarding the issues I was having with my account.
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never ceased to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-11-03
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)

on XX/XX/2021, i wrote letters to XXXX , Equifax , and XXXX regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (MI)

I received an email on the XXXX of XXXX stating that Nelson and Cruz have just received an account in my name from an XXXX debt holding location.today I received a called from them stating that a judgement will be entered or has been.This account have been reporting on my credit reports since XXXX of XXXX by Nelson and Cruz. So I dont understand how they are emailing about another company. I have been disputing this account with them and the credit bureau which I have sent out multiple letters to Nelson and Cruz and the 3 credit bureau to verify that this is my account I have never received anything from neither. So Im not understanding how they are sending me an email stating that they just received this account. it has also come to my attention that this company have been reporting since XX/XX/XXXX that I made a payment in XX/XX/XXXX then in XX/XX/XXXX missed a payment XXXX and XXXX of XXXX they reporting me making payments even for XXXX of XXXX. I have never made any payments to this company at any point in time I do not believe that this is an account that belongs to me they are doing some Deceitful tactics to destroy my credit report and to collect a debt that is not mines.
Consumer complaint received 2021-11-03
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)

on XX/XX/2021, i wrote letters to XXXX , XXXX , and Transunion regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020, I attempted to submit an auto loan application. The company that I submitted the loan application to said that I could not complete the application online because of a credit freeze. I spoke to a customer service representative on XX/XX/2020, and she said that there was a credit freeze by Experian. The customer service representative was correct. I had placed a credit freeze on my account by Experian. I had forgotten my PIN for unfreezing it and contacted Experian. After much time trying to contact a human being, I finally spoke to a customer service representative who then took me through a script to confirm my identify. She asked about the monthly mortgage payment, my monthly car payment, employer, and date of birth. She said that one of my answers was incorrect and that I would have to submit my request to unfreeze my credit in writing. 

As you can imagine, I had already spent significant time on hold. I was also looking right at my online bank statement when answering the questions, so I am confident that my information about my mortgage payment and car payment were correct. The employer and date of birth questions were not an issue. 

I wanted to submit this complaint to highlight the fact that Experian is using a software program with inaccurate data, which only serve to make a cumbersome process even more complex and less helpful for the consumer. I urge you to compel Experian to ensure that whatever program it is using to verify identities is actually using correct data. Experian 's error will now put off a car buying decision by two weeks, at a time when our country is trying to get back on its feet from the Coronavirus emergency. Thank you for your consideration. 

Very truly yours, XXXX XXXX
Consumer complaint received 2020-05-19
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. (CA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

This complaint is being filed by XXXX and XXXX on XX/XX/XXXX. In reviewing XXXX credit reports for both myself and XXXX we found that the mortgage department of JP Morgan Chase was running credit inquiries on both of us. This report shows the inquiries started in XX/XX/XXXX through XX/XX/XXXX They would alternate the months between myself and XXXX. The inquiries stopped for seven months they resumed XXXX, and they have continued running the inquiries in alternating months on both of us. Running inquiries on customers that have a mortgage, that has already been approved is in direct opposition to the policies of JP Morgan Chase. 
The policy of the bank is after the mortgage has been approved no additional inquiries need to be made into their credit history. Per the Fair Credit Reporting Act all inquiries into a customers credit history are to be work related, running credit inquiries into a person personal credit history for any other reason is in direct violation of Fair Credit Reporting Act Our loan is a FHA loan with a fixed interest and is in good standing. 
By Chases own policy there is no reason to continuously run inquiries into our credit history and by obtaining these inquiries when there is not a work related reason violates the Fair Credit Reporting Act. I am asking on behalf of myself and my husband XXXX for this incident to be investigated and determine what purpose is our credit history actually being used for, because these inquiries are not work related.
Consumer complaint received 2016-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (TX)

I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.
Consumer complaint received 2022-08-15
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. (TX)

I ordered a copy of my report in XXXX  dated XXXX and I found out that credit reporting agencies still indicate my disputed of items in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days to correct the inaccurate items. The following items are listed below that need attention because it was reporting error in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from TransUnion or XXXX.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (CA)

DRS IS REPORTING ERRONEOUS COLLECTIONS ON MY CREDIT REPORT BACK FROM XXXX AND IS FAILING TO RESPOND AND/OR VALIDATE ACCURACY AND OTHER DETAILS OF THESE ACCOUNTS AND THEIR CONNECTION OR RIGHT TO COLLECT ON THE BEHALF OF THE ORIGINAL CREDITOR WHOM I DO NOT RECOGNIZE.. DRS Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX DRS Account number XXXX Recent balance {$300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MN)

I'm filing a complaint due to the fact that citi bank account XXXX has some major FCRA violation 's you closed this account on XXXX XX/XX/2019 per the FCRA & the FDACPA there should not be any monthly payment listed on a closed account this is a violation also per the FCRA 623 / FDACPA 806 B You must enter consumer dispute marks on the account this account can not report. I have disputed this with all three of the reporting agencies but they said that you verified it as reporting correctly I have pending Litigation on Two of them as we speak. Please delete this account asap. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

WFB COMPLAINT XX/XX/2021 I APPROACHED THE DRIVE-BY ATM OF WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX 

I USED MY CARD TO ATTEMPT TO WITHDRAW {$300.00}, PUNCHED IN THE INFORMATION AND WAITED FOR THE MACHINE TO SPIT OUT THE BILLS. 

THE ATM DID NOT RESPOND AND AFTER SEVERAL MINUTES I DROVE AWAY AND HEADED FOR THE BANK LOBBY TO FILE A COMPLAINT. I TALKED TO A BANK EMPLOYEE ( I HAVE THE NAME IF NEEDED ) AND HE TOLD ME NOT TO WORRY, THAT THE BANK HAD DEBITED MY ACCOUNT BUT THE CCTV CAMERAS, HAVING RECORDED THAT I DID NOT RETIRE THE FUNDS, WOULD CREDIT BACK TO MY ACCOUNT. 

THE BANK SENT ME A LETTER THAT THEY HAD DECIDED IT WAS NOT THE BANKS FAULT BUT MINE THAT I HAD LOST THE FUNDS. AND THEY DEBITED AGAIN MY ACCOUNT. 

I CALLED UP AND ASKED THEM TO REVIEW THE TAPE TO VERIFY THAT I HAD NOT RETRIEVED THE {$300.00}. THEY REFUSED TO TAKE ANY ACTION. 

I SENT A COMPLAIN TO THE BANK CORPORATE OFFICES XX/XX/2021 AND THEY AGAIN REFUSED TO REFUND ME THE MONEY LOST.

DOCUMENTATION AVAILABLE.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (TX)

I called Target RED card today ( XXXX XXXX ) to pay my credit card balance in full ( {$60.00} ) and was informed my balance is now {$86.00} due to me being hit with a {$25.00} late fee. My bill was actually due XXXX XXXX, not the XXXX. I explained that I was out of town and it just slipped my mind but with today being the next business day after the XXXX holiday and next business day after my bill was due, I assumed that I would have a grace period of some kind. They insist there is nothing they can do to waive it and that even if I spoke with a manager or supervisor they could n't waive it either. I find this rather egregious and ridiculous that if I am a mere XXXX days late, ( a holiday weekend no less ) that they will not work with me, especially when i am willing to pay my balance in full.