davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (NJ)

On XX/XX/2023 and XX/XX/2023 I received an alert about a new trade line for a collection in the amount of {$580.00} being added to my credit reports which dropped my score by several points. I have NOT ONCE received ANY written correspondence whatsoever from Consumer Adjustment Co. about this alleged debt, and the amount they are referring to, giving me the opportunity to dispute the debt as per the FCRA. This alleged debt is also beyond the statute of limitations for reporting on any of my credit reports. 
I DISPUTE THE VALIDITY OF THIS DEBT and want the collections permanently removed from ALL of my credit reports immediately. 
I also want the following information sent to me The name and address of the Original creditor.

The account number.

Copy of ORIGINAL dated and signed written agreements between me and alleged creditor with amount borrowed/owed.

Verification that there is a valid basis for claiming I am required to pay the alleged amount owed.

Full Details about the age and amount of the alleged debt including a copy of the last billing statement from the original creditor.

Proof of ORIGINAL date the Original creditor claims this alleged debt became delinquent.

PROOF this debt is within the legal statute of limitations and how that was determined.

Details about your authority to collect this debt and whether you are licensed in my state and if so provide the date of the license, name on the license, and the license number, As well as the name, address and telephone number of the state agency issuing the license.

It is a violation of federal law for Consumer Adjustment Company to report inaccurate, incomplete or fraudulent information anywhere on my credit reports, thus causing my good credit score to suffer damages. I will exercise my rights to recover damages to my score for illegal reporting.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mr. Cooper Group Inc. (AZ)

With my credit card from Mr. Cooper ' XXXX XXXX Card, I purchase three vitamin supplements from XXXX, MD totaling {$1500.00}. When I took these vitamins, they made me sick so I sent them all back by means of XXXX. Everything was delivered to XXXX, MD and I received a refund to my credit card account of {$270.00} and {$170.00}. However, I never received a refund from the third purchase and the XXXX receipt showed it was delivered and the receipt was signed by a representative of XXXX, MD. 
I disputed this charge to my credit card company and they just told me there was no charging error and they left the charge on my credit card account. I disputed this again to the credit card and I got the same answer. To this day I keep getting charged interest on this disputed charge and every time I complain, I get their same answer.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

I have submitted all required documentation for public service loan forgiveness ( PSLF ) as of XXXX. Mohela received my loans from XXXX before I was able to receive forgiveness. They required a re-submission of paperwork which I sent on XX/XX/XXXX. I was told it would take up to 90 business days to process. 

It was processed yesterday and they are saying the form is a " duplicate '' and needs to be re-processed, taking another 60-90 business days. They admit over the phone this was their error but that " there is nothing they can do. '' Looking through the XXXX forum on XXXX, there are dozens of customers who have had this " duplicate '' error and all are being told it will take another 90 business days. This will cause many people to have to start paying on their loans again even though they should have already been forgiven. 

I have tried to call several times and am put on hold to transfer to a supervisor, only to be disconnected. They say they will call back but never do. I am reaching out to you because I believe this delay is intentional to keep these loans on their books as long as possible.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CT)

XXXXXXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; Tried resolving directly with companies. I have previously had identity theft before
Consumer complaint received 2022-06-13
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. (MS)

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. Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16661 B. 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 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

XX/XX/2020 My bank account is at the Apple Bank for Savings ' branch on XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. The branch is outrageously closed " until further notice '' due to the " pandemic ''. 
This is the 3rd time this year that the bank is doing its disappearing act! 
How on earth can I manage my account & pay my bills if they are closed?? They are ruining MY ECONOMY & should be penalized & pay damages to all customers! They should either open immediately or transfer the branch to another entity that will stay open!! We the people need our finances managed competently & not be subjected to their political agendas which EVERYBODY IS GOING TO PAY FOR IN THE VERY NEAR FUTURE!!! I bet they are hugely compensated by the State - aka citizens ' tax revenues - for doing so!! LET THEM GO & LET 'S HAVE A CREDIT UNION IN THEIR PLACE!!!
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I had a CIT XXXX  account and closed it on XX/XX/2022 and transferred my funds to a new XXXX Account. In order for me to withdraw any of my funds out of my XXXX account, XXXX needs to verify via telephone the ownership of my CIT Account. CIT 's phone connection wait times are 100 minutes or more. I waited on the phone for CIT with a XXXX representative, for 2 hours on XX/XX/XXXX, and then CIT disconnected the call. XXXX has tried every business day for a week to contact CIT Bank by phone, but CIT is not available. Therefore, I am unable to access any of my funds in my XXXX Account because XXXX has a hold on it until they can verify my ownership of my CIT Bank Account. I am trying to close an escrow and need access to these funds or I risk losing my $ XXXX deposit and the purchase of my real property. Please help.
Consumer complaint received 2022-11-07
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. (SC)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 report agency can not furnish a account without my written instructions.

U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (TX)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have now reappeared on my credit report after they were originally deleted from my credit report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. I have attached screenshots as proof. 

Accounts originally deleted and reappeared after the FACT : XXXX XXXX XXXX .... Date opened- XX/XX/XXXX {$1200.00} DEPT OF EDUCATION/XXXX- XXXX .... Date opened- XX/XX/XXXX {$5500.00} DEPT OF EDUCATION/XXXX XXXX .... Date opened- XX/XX/XXXX {$2200.00} DEPT OF EDUCATION/XXXX- XXXX .... Date opened- XX/XX/XXXX {$910.00} DEPT OF EDUCATIONXXXX XXXX .... Date opened- XX/XX/XXXX {$1100.00}
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN ACCOUNT STATUS HARD INQUIRIES
Consumer complaint received 2021-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion and XXXX are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but Transunion and XXXX seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

I disputed a charge on card ending in XXXX ( Citi Premier ) that occurred on XX/XX/XXXX for {$400.00} ( XXXX pesos ) at an unknown business named CLIP MX*PEKES. 
The dispute was subsequently denied, but 1. This charge is 100 % fraudulent and this particular business does not even exist and/or is legitimate 2. I was unable to provide adequate detail over the phone because I was on vacation and in transit ( hard to hear and respond ). Detail to reopen my claim is below : On XX/XX/XXXX I was transiting from XXXX, XXXX to the XXXX XXXX very early in the morning. Card ending in XXXX was in my possession until we needed to stop for gas at XXXX XXXX for the legitimate {$55.00} ( XXXX pesos ) charge. At this service station, the attendant took my card and went inside the service station and out of view to charge it.The card was not in my possession at this time, nor was it in view. The fraudulent {$400.00} charge was certainly made at this time, and Id imagine the time stamps are close together since he was out of view for approximately 7 minutes ( unless time stamps can be changed on terminals ). There were XXXX others in the car that can attest to the card being out of my possession and who were with me for the duration of the day, thereby witnessing no transaction for {$400.00}.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Hello I sent A Dispute letter to Experian regarding the credit inquires and charge off on my credit report they have done nothing about removing the items that are fraudulent. They I make a dispute and its done in five minutes saying the information is accurate.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over 7 years old. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the 7 years. I would like these accounts removed please. It's been past 7 years and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Upon checking my credit reports i have found multiples errors and inaccuracies on my report. I have tried multiples disputes letters and phone calls trying to get this resolved and gotten pushed to the side saying that everything they report is accurate which it is not. I have multiples different spelling of my names, numbers on me that's not mines, a spouse that definitely does not belongs to me and lets not get started on the addresses that are on file. By law they are required to have correct and accurate information and they do not this have cause a lot of trials in my life with getting things done in my name.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy federal Cashed my settlement check that that was for me with the fraudulent endorsement signature on the back of the check. My check was put into a member 's account I've contacted the police made a report by the report with navy federal Navy federal gave me a window of 10 days and the issue would be resolved I filed a complaint on the XXXX XXXX  XXXX it is now the XXXX XXXX  XXXX I spent hours on the phone with navy federal They can't give me any information Other than they're working on it. They're Past there deadline, No one has been working on my case Nor is my case assigned to anybody. This much I got from an employee yesterday on the phone. They're just brushing me off And trying to keep my money All because I close my account out with Them. The last piece of information I got was they're working on it they're really backed up and they're not sure when they're going to be able to handle my case
Consumer complaint received 2020-10-28
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

My consolidated student loans included my ex-husband 's loans which, in the divorce settlement, I was responsible for paying off. I've paid for years on my loans beginning in the XXXX. When suspensions on student loans began due to Covid I diligently saved money in order to put down large amounts toward my consolidated loans. On XX/XX/XXXX I contacted fedloan servicing to ask for guidance on paying {$25000.00} toward my consolidated loan with the specific request that my ex-husband 's loans be paid off first, and the rest put toward paying off my loans. Then I learned about the PSLF forgiveness program which I applied for having worked in government and non-profit my entire life. I was notified in XX/XX/XXXX that I was eligible for loan forgiveness based on my work history and the number of payments I made on my loans. With this forgiveness I learned that the {$25000.00} that I paid on the consolidated loan was not used to pay off my ex-husband 's loans but only used toward my loans so, after the loan forgiveness I am left with {$14000.00} to pay off. I again applied for PSLF loan forgiveness but have not received it as of yet. I have written and called and receive no assistance or a re-distribution on my {$25000.00} payment. It's very frustrating especially because I an now retired with a very small income. Is there anything your organization can do to help with this situation? My student account number is XXXX. My name is XXXX XXXX. Thank you.