davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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: Convergent Resources, Inc. (GA)

On XX/XX/XXXX, CONVERGENT OUTSOURCING, INC added a derogatory mark on my credit report per XXXX. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CONVERGENT OUTSOURCING, INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 


Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of last year, a {$9500.00} check for my XXXX checking account was stolen in the mail and cashed at Bank of America. I filed a Declaration of Unauthorized Endorsement with XXXX, who said they intend to get back to me ( and likely recoup my money ) in 90 days. However it is now XXXX and that hasn't happened. 

I have called both banks many times. XXXX says they are waiting on a response from Bank of America and Bank of America says they can not tell me the status of this claim. This is a very frustrating and very unfair experience.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I SETTLED THIS AFFIRM ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH XXXX AND AFFRIM DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME AFFIRM SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH AFFRIM THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.
Consumer complaint received 2023-04-13
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. (OH)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it immediately.
Consumer complaint received 2023-03-15
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (OH)

Requested refund for loans paid off during Covid-19 on XX/XX/2022 via support representative at Aidvantage. Total refund came to a total close to but under {$10000.00}. Was told to expect update to accounts in 10 days and expect a refund in full in 4-6 weeks. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts. Support representative told me that balance on Aidvantage would update when I get my refund in 4-6 weeks from submitting request. This information is completely different from what I was told when I put in my request on XXXX, XXXX, XXXX. At that date, I was told my account would be updated in 10 days from request. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts or communication. First aidvantage representative said my request was still processing and to expect refund in 10-12 weeks from request. This information was completely different from past calls which all told me to expect my refund in 4-6 weeks. I told current representative about conflicting information and they transferred me to another representative because they said they cant access specifics on my account. Second representative told my request was processing and that I should receive my full refund in 2 weeks. I was instructed by this representative to keep checking aidvantage accounts for any updates. I was also told by this representative that my account would update before I receive my refund which is completely different from what representative told me on XX/XX/2022. 

Called to aidvantage to check status of refund on XX/XX/2022. Representative told me that refunds take 10-12 weeks to process despite being told I would receive refund within 4-6 weeks. Representative also said that Department of Education hasnt made any updates to accounts requesting refunds. 

Today is XX/XX/2022, exactly 6 weeks since I made my initial refund request. There has been no changes to my accounts during this time. I am unsatisfied with the incorrect/always changing information I receive from aidvantage. At this time, it is unclear if I will receive the refund I requested at all.
Consumer complaint received 2022-10-21
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}.
Consumer complaint received 2022-09-14
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. (FL)

I sent my letter off on XX/XX/2022 I told the credit bureaus to 'investigate every piece of my information ' on the accounts I have listed below. 

Firstly according to the FRCA 15 USC 1681 every piece of informations on these accounts has to be 100 % accurate .Ac you can see attached on my credit reports still not reporting 100 % accurate According to the FRCA the term 'investigate consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquitted or who may have knowledge any informations. 

They stated my accounts as verified but how is that possible if they didn't do a proper investigation according to the law. 

Accounts 1 ACCOUNT NAME XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2022-12-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (FL)

Hello, I am trying to get in contact with the BSI Financial Services customer care department regarding removing my former wife off of the mortgage but have received no feedback. I have reached out on three occasions ( XX/XX/2022, XX/XX/2022, and XXXX ). On each occasion they have not written me back. I was able to remove my former wife off the deed and the VA loan certificate, now I just need her removed off of the mortgage loan from this lender, yet I feel they have been dodging my emails. I've been hung up on whenever I do get through on a call and ask the question. On XXXX instance a lady said she's not sure how, or if they do that. It's something she'd have to ask her supervisor, but they were unavailable. I have not received any information regarding this dilemma. I do not receive money to pay the mortgage from my former wife, nor have I ever. I'm not sure where the problem lies. Why won't they just get back to me???
Consumer complaint received 2023-02-10
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. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 my written instructions 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

On XX/XX/2022 at XXXX, I received notifications ( via both the Discover Banking mobile app and email ) that Discover Bank XXXX noticed unusual activity on ( my ) account '', and that my account access had been suspended " for security purposes ''. I was given a number to call and was told to call " IMMEDIATELY ''. The notice also said quote : " Our 100 % U.S.-based customer service team is available XXXX hours a day, XXXX days a week. '' I checked that the number was correct ( Discover Bank 's Fraud and Phishing Detecting Hotline ), and proceeded to call the number. After being put on hold for an hour without any additional information, I hung up. 

Later that day at XXXX ( midnight ), I tried calling again. This time, I was redirected to an agent who told me that the Security department had closed for the night and to try again the next day. The agent also informed me that the department behind that hotline was only available from XXXX to XXXX EST. This was already in conflict with what the notice mentioned about their customer service team being available XXXX. 

I tried calling again the next day at XXXX, and was put on hold all the way until XXXX, at which point I could not remain on the phone due to family and working commitments. I called Discover Bank 's general hotline, and managed to speak to an agent who could only tell me that they could not access my account at all, and that the Fraud hotline was the only way I could do anything with my account. 

The next day I woke up at XXXX minutes before XXXX EST, and initiated a call exactly at XXXX EST to the Fraud hotline again. However, the machine-based system still put me on hold for over an hour once again. 

There is clearly nobody manning the phones behind this hotline that is supposed to have XXXX actual human support. This is made all the worse by the fact that the freezing of my account literally impacts my family 's and my ability to make purchases for daily necessities, such as groceries. 

Discover Bank really has no place in today 's financial world if all they can do is lie about how they are an online-only bank, and then provide such ambiguous process for customers.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

XXXX has been harassing me by inaccurately trying to collect debt when I never signed up with them for any type of services. I called XXXX a while back to explain that they have the wrong person for the debt and i wish to not be contacted but XXXX continued to pursue me for debt that I don't know and has even turned it over to a third party Nationwide Credit , Inc in the amount of {$130.00}. XXXX and Nationwide Credit , Inc have violated the law by pursuing me when I never signed any documents or spoke to someone regarding the address I stay at. Furthermore I am not the lease holder nor do I hold a mortgage for the address they have on file so I don't know why they would be billing me especially since I never signed any documents nor did I have a written or verbal agreement. This is a violation of my rights from both of the companies for harrassing me and disrupting my right to privacy. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (UT)

I called Citi Bank on XX/XX/2023 about my direct deposit and they told me that I would not get deposited into the account cause it's in the process of closure and that the acount is blocked from all deposits and auto pay withdrawals well then I called them again on the XXXX of XXXX because my direct deposit still as not went back to my employer yet and I finally got someone there to tell me when it was rejected and all that. They told me that it can't go through it was already rejected from my account and that it will be sent back to my employer and that it takes 2 to 3 days to send back to my employer. IT IS ALL ON RECORDING TOO JUST SO U KNOW EVERY CALL I MADE TO THEM IS RECORDED.Well as of this morning on XX/XX/XXXX I got an alert from Citi bank cause my alerts are still on with them I guess but I got an alert saying there was XXXX dollars in my account now. When they actually blocked my account and I had no access to anything on the Citi mobile app or the website and when they closed my account there was XXXX dollars in there and on the XX/XX/XXXX I got an alert for that amount of XXXX dollars..so that means they deposited my paycheck after they told me twice that it got rejected and that it can't be deposited into my account cause the account has a block on any incoming deposits or pay withdrawals. So now I'm not going to get my paycheck for this pay period cause they tell me that anything that is in my account I have to wait 30 to 60 days for the letter they send out to me to receive my funds in that account and I have bills to pay I have an XXXX XXXX XXXX XXXX  to take care of and all that and they took my money from me and I'm very very upset about this. Please do something ASAP PLEASE PLEASE PLEASE
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My wife and I recently relocated from XXXX XXXX XXXX. The first indication of a problem was when trying to establish an account for internet service with XXXX XXXX XXXX. They said there was something wrong with how my name appears on a credit report. Since we just secured a mortgage and other utility accounts in my name with no issue, we assumed XXXX XXXX XXXX was mistaken and set up the account in my wife 's name. When I received a call back from XXXX for our electric service to verify information I knew something must be off. I accessed my Equifax account online and updated some address information. The only way their website provides to update an address is to dispute what is reporting as the current address. I disputed and it was processed, but this erased my address where I owned a home for 14 years @ XXXX XXXX XXXX XXXX, XXXX, Oh XXXX. I called Equifax to discuss and try to find a resolution and this is when I discovered they have my first name spelled incorrectly as XXXX '' instead of 'XXXX ' XXXX The representative I spoke with, XXXX, kept blaming this on my " lender '', but would not provide the name of a lender who's fault this allegedly was. I pointed out that XXXX and XXXX have my name spelled correctly. After much back and forth and frustration, XXXX stated she had corrected this issue and to check my report again in an hour. XXXX provided a reference number XXXX. I believe this interaction took place on XXXX. 
Today, XXXX, I logged into Equifax and pulled another report which still shows my name spelled incorrectly as " XXXX '' instead of " XXXX ''. I called and spoke with 'XXXX  XXXX who again blames this on my " lender '' but will not tell me the name of the lender providing this information. XXXX now wants me to physically mail copes of my driver license and social security card to Equifax. As a long time victim of identity theft, I'm not comfortable sending these items in the mail and frankly, shouldn't have to. As a large organization responsible for handling hundreds of millions of American 's personal identifiable information, there has to be a more secure and accurate way of them verifying and correct their mistake. Clearly Equifax has outsourced their customer service somewhere outside the U.S. and dealing with whomever just reads a script in their call centers is infuriating.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$590.00} FIRST XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (SC)

In accordance with the Fair Credit Reporting act 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 2024-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

On or around XX/XX/year>, my checking accounts was restricted, and I had no access to my accounts, and I was told that I need to submit identity verification, to being told I had 2 profiles in which I do not. I submitted appeals and no response from those appeals.