davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY (GA)

I have received at least six letters from banks all over the US saying that they have opened my checking account, that they need more information to open my checking account and have also received debit cards from XXXX ( letter lost ) and XXXX XXXX XXXX  Business Debit Card from XXXXXXXX XXXX No. XXXX. 
XXXX XXXX  : XXXX XXXX. XXXX. 
American Express : Ref No XXXX : Savings Account. 
I have been unsuccessful reaching all of the institutions but have reached some, and three of the letters from last week were mistakenly discarded by my wife. However, I still have three letters from other banks. I do not recall the names of two of the banks since the letters were discarded mistakenly. 
I have XXXX XXXX since a fraudulent tax return was filed under my social security number approximately 5 years ago. I now receive a PIN every year from the IRS XXXX is now helping me. 
XXXX and I have called XXXX and put a credit freeze on my account. 
I want to open a claim. 
I expect many more of these fraudulent checking accounts to have been opened, but I have not received letters other than those discussed above. 
The banks that I have been able to contact say that this is done so that fraudulent wires can be deposited, withdrawn and then leaving me owing a bank for a fraudulent account.
Consumer complaint received 2019-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have a student loan with Navient. In XX/XX/2013  the balance was XXXX I have made payments of XXXX to XXXX for the last 6 years ( XXXXXXXX of payments ) as of today I still owe over XXXX! Only XXXX has came off my debt owed out of XXXX In payments. When i pay on time they increase my student loan intrest rates. It is now currently at 12 %!!! I have asked them to lower the intrest and they will not. Please help.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Around 2006 my mortgage was sold in a bundle. The original mortgage company XXXX XXXX XXXX XXXX went bankrupt. Ocwen became the loan servicing company for XXXX XXXX XXXX XXXX XXXX. When this transaction took place my escrow money of {$13000.00} disappeared. I tried calling Ocwen on several occasions and wrote them trying to get this matter taken care of trying to find out where my escrow money was. I was pretty much stonewalled. Since they couldn't tell me where my escrow money went I stopped making my mortgage payments. They have been trying to take my house ever since. I file bankruptcy to protect my home but now is going to be discharged and don't have money to pay off the mortgage.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several attempts to have unverified information deleted from my credit report from transunion and XXXX. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (MN)

I made payments to my loan in months advance and when ask how many months I've paid up to the customer service representative couldn't assist me. A supervisor never called me back after I requested a call back. This company does not give the customer a monthly statement, they are paperless but that doesn't constitute the electronic statement. Also this company doesn't give a detailed statement of interest rates or payoff amounts
Consumer complaint received 2022-07-14
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 has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-03
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. (MO)

Student Loans - XXXX  Dates : XXXX  - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )
Consumer complaint received 2022-09-16
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. (FL)

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX # 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 2021-10-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BARCLAYS BANK DELAWARE ()

Please, I had Online Account to Bank Call : ( BARCLAYS BANK ) for some years ago, Where that Bank Mis-Sold PPI CLAIMS in XXXX for Some years ago, But Refused to Processed my Payment Claims for me to XXXX, Up till now, So I want your Company to help me and Use my Details to Check from that BANK and Process to Reclaim all my FUNDS from that Account in that Bank, So I am waiting for Reply now
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

We purchased our home in XXXX of XXXX my wife and I have great credit and have never been late on a payment. We have been saving to make a large down payment on the home principle to have the PMI taken off. I called XXXX XXXX on Monday XX/XX/XXXX and spoke with a representative named XXXX I asked him for an exact amount of how much we would have to send in to have the PMI taken off. He told me XXXX and some change. So as soon as I got off the phone I made a payment on their website in the amount of XXXX. I called back and talked to the same person ( XXXX ) and told him we sent over the payment and asked him to send a request over to have the PMI removed. He said he would. I called back in a few days later because I never heard back. Talked to a lady this time. ( Didn't get her name ). She said " her system ' showed we needed to pay another {$500.00}. So I asked for a manager and talked to XXXX. XXXX said the agents shouldn't be giving out dollar amounts and he would get the issue to the " executive manager '' and they would get back with me within three days. A week went by and still nothing. So I called again. I talked to a manager named XXXX. This time he said we needed to pay an extra {$560.00}. So I talked to my wife and thought, whatever, lets just pay it and we wont have to worry about it anymore. Made the payment yesterday. Now they are still saying they need to send the request over to have it evaluated. I'm at my wits end with this company. We are doing everything we are asked to do and being lied to at every turn. Can you please look into this and have them pull calls? I know this is all going to the principal of the loan anyway, so its in our favor to make the extra payments. But we are getting lied to and given the runaround just to get us off the phone. I feel that something needs to be done about their shady business practices. 
Thank you so much for your time.
Consumer complaint received 2022-07-14
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. (MN)

I am disappointed to see that the Credit Bureaus chose to ignore my request and neglected to comply with the Fair Credit Reporting Act section 605b. I am a victim of identity theft once more, and the data on my credit report is the result of this crime. According to FCRA section 605b, credit reporting agencies are required to delete any accounts and information listed on an ID Theft Report. I did some research on how to remove the fraudulent information from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. I need the following items removed from my Credit report : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXXXXXX 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2020-09-08
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. (NC)

I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with XXXX XXXX XXXX  The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AZ)

I have been paying {$19.00} a month for Experian IdentityWorks Premium Membership, and I have been a member since XX/XX/XXXX. The primary reason for my willingness to pay for this service was the benefit of having Quarterly 3-Bureau Report and FICO Scores ( All benefits listed below. ) However, Experian has not produced an updated Quarterly 3-Bureau Report and FICO Score since XX/XX/XXXX. 

I notified the Experian Membership customer service of my dissatisfaction near the end of XX/XX/XXXX. The representative I spoke to ran through all the possible troubleshooting that the representative could provide, and they said they were going to open an Escalation Ticket. They said someone would get in contact with me via email with a resolution, so I waited. Then at the beginning of XX/XX/XXXX, I called again and asked what the status was of my ticket, and they ran me through the same script and said someone would be in contact with me soon via email. The only difference was this time ; they agreed to refund the prior three months of membership fees that I had paid for the service they had  not yet provided. I was told I would see a refund of XXXX XXXX on my card in 7-10 days. The only thing I noticed was my fourth monthly membership fee charged to my account.
Consumer complaint received 2020-04-29
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XXXX  and there are no XXXX in XXXX XXXX  where I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

I was in a XXXX XXXX XXXX XXXX store around the end of XX/XX/2019. I bought something and a store member asked me something about a rewards card. I said ok. They asked me to say my social security number to a representative. Around two weeks I got a credit card. I did not know why I had a XXXX XXXX XXXX XXXX credit card. 
I read the letter it said I can get my credit card closed within 30 days if the credit card was opened by telephone and I dont want the card and the charge on it will also be wiped out. I called then once. They argued and said it was not possible to do that. Basically I told them there I will pay off the card and requested they close my account because they were difficult and wouldnt follow the rules. I later called back because it was not closed after I paid off my balance. I asked them to again close the balance. I think they said ok. A month later I complained through their internet portal, and they gave me an response in the attachment. I looked today, my website still shows my credit card as active. The purpose of this complaint is to See if my credit card account with XXXX XXXX XXXX XXXX closed or if it isnt can I please get it cancelled and removed, because I believe I did not compliantly and with knowledge open this account, and they did not do their job properly in every sense of the way.
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I purchased a vehicle through XXXX, and later refinanced my car through XXXX XXXX XXXX XXXX, for the remainder of my loan, ( note : I no longer have the original agreement because this was done over the phone/email back in XXXX  ) XXXX XXXX XXXX XXXX acquired by pen federal and the remaining balance of my loan was transferred to pen federal. The agreement of the loan include 8 months no monthly interest/payment. My car was later stolen and my insurance company paid the market price for the vehicle to the loan company. I had XXXX XXXX  with the loan company to cover the difference with XXXX XXXX XXXX, but the original agreement was never transferred over to Pen Federal and Ive been trying to get this matter sorted with the company. However they have not honored the original agreement that was set in place by XXXX XXXX XXXX. Ive tried to reach out to the company to obtain the original agreement but I have yet to here back from there records department. I would just like this issue resolved. I made my monthly payments on time when i was in possession of the vehicle and Ive tried going through the proper channels to get this matter resolved.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion. I have had a collection account XXXX XXXX XXXX XXXX XXXX Transunion File number XXXX disputed several different times with Transunion. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my Transunion report. I disputed it again and was told by Transunion that they verified it to be accurate. Transunion refused to provide me with the documentation that the company sent to Transunion to prove this was my account. However, Transunion removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with Transunion and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my Transunion report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like Transunion to remove the collection account from my credit report.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

My XXXX XXXX home mortgage is missing and is not being reported on my Experian credit report, however is being corrected reported on my XXXX, XXXX reports. I have contacted XXXX XXXX and Experian multiple times, most recently date XXXX.