davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-10
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. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2023-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

For the past XXXX years, I have been a special education teacher in XXXX XXXX schools. My dates are as follows : XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to present at XXXX XXXX XXXX, XXXX, MI All schools are verifiable in the database. At all times I was a highly qualified special education teacher. 

They are denying me relief under the XXXX XXXX XXXX XXXX ( NOT PSLF ) because of XXXX and XX/XX/XXXX. I gave my last day as XX/XX/XXXX to spare my district from paying me for XXXX, which was an asynchronous day and no one would have shown up anyway. I also could have taken a paid sick day. Instead, I was honest and gave my last day as the XXXX so as to save my severely underfunded district money. 

I originally was going to start on XX/XX/XXXX in XXXX XXXX but they said I couldn't start until the XXXX because they only did new orientation via XXXX on Tuesdays. I was literally precluded from starting before then. 

Before I took ANY job, I always made sure it was in this database to qualify for forgiveness. I could have worked at a private school, a wealthy school, or gone back to practicing law ( previous profession ) but instead I relied in good faith on the XXXX XXXX XXXX XXXX. They are literally denying me my relief because of XXXX days. This is a slap in the face to all hard working teachers and the original drafters of this federal legislation. I welcome any help available. Thank you.
Consumer complaint received 2022-07-18
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020 XXXX XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

Went to a Florida hospital while at XXXX XXXX in XXXX of 2016. After giving the receptionist our insurance card and information, we were told there wasnt a medical doctor there for us to see. So we told the receptionist that because there wasnt a doctor there, we were going to find another hospital to go to and left. They filed on my insurance anyway. My insurance paid them and the other hospital even though I was never seen by anyone at that hospital. They were trying to collect the non emergency copay of {$75.00} from me. I contacted the Hospital at the time I received a bill and was told that even though I hadnt seen anyone and had left before seeing anyone, I had given them a XXXX sample and that just by walking through the door they had the right to bill my insurance and demand my copay. We agreed to disagree. At any rate that was that was over 6 years ago. The statue of limitations for Texas is 4 years ( which is where I live ) and the statue of limitations for Florida is 5 years. Meanwhile, the debt keeps getting sold over and over to new debt collection agencies who try to tell me the clock starts over and continue to contact me regarding the bogus debt. It is ridiculous.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

A bill for XXXX XXXX from XXXX for approximately {$340.00} was paid in full. Three times collection agencies attempted to collect this paid debt. Each time the companies had to remove the debt collection from my record as I don't owe the debt. 

Approximately a week ago, I was notified by my credit report companies that there was a new debt collection account on my record by a company called Convergent. I never received a letter from them to date. However they already put the account on my credit reporting as a collections account, thus tanking my credit score. 

I filed this same complaint ( ID : XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX for attempting to collect on the same account, which was verified as paid in full back in XXXX and they apologized and removed it from my credit reports immediately. 

I spoke with this new company, Convergent, one time. They verified that they never sent a letter to me despite having my correct address stating they 'preferred " to handle accounts over the phone. I spoke with a representative and then a supervisor, who was rude, unhelpful and argued with me when I tried to explain you can't not send a letter and turn my account over to my credit reporting companies. They didn't care and kept pushing me to settle the account " for far less money than what I owed. '' Please see attached documents regarding previous complaints regarding this account. 

Thank you
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (AR)

The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (AR)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-12-19
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. (MA)

I sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY  PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : CONTRACTOR/SELF EMPLOYED YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT
Consumer complaint received 2024-11-13
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. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX  XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IA)

I purchased a car from Hyundai and mailed my first payment to the address in my coupon book for more than the required monthly amount due. 

Hyundai Kia Motor Finance Company XXXX. XXXX XXXX XXXX, TX XXXX First pmt due date - XX/XX/2020. 
Payment received and cashed by Hyundai - XX/XX/2020 XXXX statement was received in the mail on Tuesday, XX/XX/XXXX saying I was past due. I verified the payment was sent and received by the appropriate date - Hyundai has misapplied my payment or posted it to another account and now they are negatively impacting my credit and charging me a late fee for their error. This is my first car buying experience and Im very upset. 

My payment was sent via bill pay by XXXX XXXX. Confirmation XXXX. 

I submitted an inquiry to Hyundai and they have not responded in their stated SLA. I called the finance company tonight and spoke to phone representative XXXX XXXX who failed to assist nor track down which account they wrongfully applied my payment too. She refused to waive my fee and told me they would not adjust my credit score that I had to do that on my own. They transmit data in metro II format much like other creditors and have the ability to resolve credit bureau reporting via direct dispute or indirect. I requested to speak to a manager and she told me they dont have any managers as a result of COVID-19. 

Im very upset with my first car purchasing experience, Hyundais Inability to apply a payment is resulting in negative customer harm. They are intentionally choosing not to assist and conduct the proper diligence to locate the application mistake. Again, Hyundai has my money and is requiring me to pay an extra {$700.00} plus a fee because of THEIR own mistake.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021, I purchased 3 e-gift cards from American Express Gift Card Services totalling {$1300.00}. A few days later, American Express emailed me confirmation that they sent by email the gift cards to my three recipients. We are now 10 days later and my recipients have not received the e-gift cards. They checked spam/junk folders to no avail. On XX/XX/XXXX, I contacted American Express. I explained the problem and requested that they send me the e-gift cards so I can then forward them. They refused to do so and stated I would have to go in my account and change the recipient email. The implication was that I then would be able to resend. I went into my American Express GIftCard account. I searched under my orders. The search came back EMPTY. THe website stated that I had no prior orders. I called American Express GiftCardServices again, and waited another hour. I explained the problem to the agent, who claimed to be the supervisor. She stated, I needed to go back into my account and change the emails of the recipients. SHe either did not understand or she was programmed not to understand that this was not possible. She then repeated the same initial instructions. After going around a circle a few times, it became apparent that American Express had no interest or at least this agent had no ability to rectify this problem. In the meantime, I am mortified that it is past XXXX and my giftees have not received their promised bonus.
Consumer complaint received 2023-02-13
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

Every 6 months when my property taxes are due, BSI financial does not pay them on time. I get a notice from my county treasurer explaining that they are late and that a fee will be added on. BSI then pays the late property taxes including the fee from my escrow account. It takes me 1-2 months and repeated phone calls to get the fee refunded back to me. They then promise that they have fixed the issue with the timing. 6 months later it happens again. I'm now at the fourth time the issue has occurred and have tried 3 times to get this fee removed from my account. Based on prior interactions I expect I will have to call a few more times to get resolution and that I will have to restart this process again in a few months. 

BSI has absolutely atrocious customer service and I don't see them having any real reason to fix it. There is no incentive that I see for them to do better as helping me costs them money every time and avoiding helping me may make me give up in frustration and they get to keep that money from their error. Looking at reviews online, I'm clearly not the only person who has these troubles. I never chose to have BSI buy my loan and be the servicer so it is frustrating to get this terrible service I never wanted. 
I hate BSI so, so much.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have a credit freeze placed with the Equifax, XXXX and XXXX. With XXXX and XXXX, I am always able to quickly temporarily lift the freeze online without issue. With Equifax I have never been able to successfully remove the freeze online. Today was no different, after resetting my password and jumping through several hoops, I was told to call in. I called and requested the freeze be temporarily lifted. The automated system advised that the freeze would be lifted effective XX/XX/XXXX ( tomorrow ) - XX/XX/XXXX. Because I needed the freeze lifted tonight and it was only XXXX XXXX. CT, I requested a representative. They advised that it'd already been lifted, despite what the automated system stated. 

I submitted a credit application over an hour later which was declined due to the freeze. I called Equifax back and had an extremely difficult time getting an associate. When I did, they advised they have 24 hours to remove the freeze. I advised I didn't believe that to be the case, that it was one hour, and they just repeated themselves that it can take 24 hours. I then searched online about the one hour requirement and found that others having the same issue with Equifax were able to get the freeze lifted by requesting it be permanently lifted instead of temporarily. This worked for me as well, but shouldn't be necessary.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It seems that I call and call, I try to opt out and all this for years now. 

I have asked Capital One to remove me from their mailing lists. I keep getting this XXXX ; What do I have to do to get them to stop? Do I have to go there in person? 

MY Name : XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX I WANT THEM TO STOP MAILING ME CARD OFFERS! ( OR ANYTHING ELSE )