davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all  informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-09-17
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. (IN)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I ALSO SENT YOU A LETTER ON XX/XX/2022 AND YOU RESPONDED 2 DAYS LETTER SAYING PROCESSED, HOW IS THIS POSSIBLE.You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified or processed that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " REMOVE THIS ACCOUNT '' XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (IL)

For a year and a half, I have disputed an alleged outstanding balance from XXXX XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXXXXXX XXXX  ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency State Collection Service , Inc., and to the second collection agency XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-20
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. (DC)

The report is over 7 years old and should have been removed from my record. 
The report date keep changing and continually show new late payment. 
Not only the account was inaccurate and a duplicate from the start, it was never fixed. 
XXXX XXXX XXXX is unwilling to fix the issue. XXXX, the original supposed creditor did not admit their billing error, Please assist in removing this inaccurate file from my records. 
Best regards.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX allowed someone to use my social security number to purchase a cell phone. The individual resides in another state. XXXX XXXX reported me to the collections agency. As a result of their neglegence, my credit score has decreased.
Consumer complaint received 2022-07-14
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. (SC)

I reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/AIDVANTAGE XXXX : {$1100.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$3000.00} ; DEPT OF ED/AIDVANTAGE XXXX XXXX {$2300.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$6200.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5000.00} XXXX DEPT OF ED/AIDVANTAGE XXXX Balance : {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$2400.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance XXXX {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.
Consumer complaint received 2020-05-30
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: Experian Information Solutions Inc. (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

ONLINE Information Services XXXX ONLINE Collections has reported a collection debt under my name and home address for an energy bill on behalf of XXXX XXXX. I have filed a XXXX  complaint against XXXX XXXX. 

I have attempted to resolve this with each of these companies to no avail or assistance on their part : 1 ) the home address referenced in the debt collection ( my home ) can only be serviced by XXXX XXXX XXXX XXXX  for gas energy, and XXXX for electricity services. There are XXXX options to use other companies for service such as XXXX XXXX. 2 ) I reported to them that there is identify theft with the use of my name and address. 3 ) Furthermore the address XXXX XXXX reported on the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an address I have never lived at, never lived in Texas and have lived in California all of my life. 4 ) ONLINE collections XXXX ONLINE Information Service has fraudulently transferred a collection debt to a consumer in XXXX in spite of receiving the XXXX XXXX from the original debt collector. ONLINE repeatedly lied and repeatedly reported the debt with false information that they verified my address and name with the reporting debt agency. They knowingly perpetrated fraud against me, and probably all consumers with the name XXXX XXXX across the country to collect funds from consumers fraudulently. 

Both companies continue to report these fraudulent charges to my credit reports. Both companies need to make corrections on my credit report. 

ONLINE Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( ONLINE Collections is not listed on the XXXX XXXX which is why I am filing the complaint with your agency ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed in the XXXX XXXX  and I have filed a complaint against them with XXXX ).
Consumer complaint received 2020-05-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I recently applied for a credit line and was denied due to a recent collections. I pulled up XXXX XXXX and a new collection was added from a company called Jefferson Capital System this dent is showing opened in XXXX XXXX The original creditor for this listing is XXXX XXXX  XXXX. The loan from XXXX XXXX was prior to XX/XX/XXXX which is 6 years ago and has no payments made on it since XX/XX/XXXX. This debt was illegally re-aged and has harmed me. It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

I am out XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I went to the XXXX XXXX Chase Bank JP Morgan and the banker, XXXX XXXX helped me deposit four of my XXXX XXXX XXXX checks via the mobile app and two additional XXXX XXXX XXXX checks I had to give to the teller in person because the amount was too high for mobile deposit. On XX/XX/2023 I went to the XXXX XXXX to withdraw {$10000.00} out of my account and it was declined. The bank told me that they suspected it was fraudulent because their third-party verification system did not verify the telephone number on the check stub. They told me they can not release my money due to the fact the number is not a registered number to the company. The checks were Issued from XXXXXXXX XXXX XXXX and the Insurance Carrier is XXXX XXXX XXXX XXXX  served by XXXX XXXX XXXX  and XXXX XXXX XXXX phone number is ( XXXX ) XXXX. It clearly says on the stubs that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The checks have cashed and cleared on the Insurance side but the bank has been holding my money since XX/XX/2023 and refusing to release it to me even though it has cleared and will not return to Insurer. 
on XX/XX/XXXX I spoke to and emailed XXXX XXXX who requested a credit card statement to match my address on file. I emailed it to her. XXXX XXXX stated that my account will be restricted for 10 business days and on the XXXX business day the bank would either remove the restriction on my account or send back money to Insurer. I show up to the bank on XX/XX/XXXX, which marks the XXXX business day and they would not send the money back to the insurer nor remove the restriction on my account. On that day, They told me they closed my account and that I can't access my funds. 
On XX/XX/XXXX XXXX XXXX the Branch Manager requested copies of my paystubs to upload to my profile. I provided all 6 paystubs. She said they would file a suspense release form and depending on the result they may or may not write me a check. On XX/XX/XXXX I went back to the same branch to check on the status of the suspense release and the banker told me XXXX XXXX never uploaded the documents she asked for on my profile. XXXX XXXX also did not upload the credit card statements she requested from me according to the banker.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OK)

On XX/XX/2022 I discovered that my Direct Express Debit card was stolen. My XXXX XXXX XXXX were drained from this account fraudulently. I contacted Direct Express immediately and was given a claim number. I also contacted local authorities and filed a police report. 
Direct Express sent a new debit card but has not sent the dispute paperwork within the time frame promised. 
I have sent a letter, called multiple times and emailed Direct Express with all of the required information an

d Direct Express has yet to refund my money. Direct Express is in violation of regulation E 12 CFR part 1005 by fa
iling to refund the money stolen from my account despite following their Terms And Conditions for use of the access device issued to me by them. 
Direct Expresss customer service and fraud department has been impossible to reach leaving me at a loss not to mention destitute. 
As I stated in an sworn affidavit of facts to Direct Express, I, XXXX XXXX XXXX swear under penalty of perjury that the above statement is true and factual. 
I respectfully ask that the CFPB investigate this matter as well as why two other closed accounts that are associated with me still show up on the mobile app and on their website. There should only be one debit card open ending in XXXX.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

XXXX  held my XXXX XXXX XXXX from XXXX to about a few years ago when they sold my loan to Aidvantage. During that time I had trouble getting clear information about my loan. I called constantly about how they were not applying my second monthly payments toward my principal. They would literally give me false information. In XXXX I received a notice from US Department of Education showing my payment History from XXXX. It showed my payments were applied incorrectly in favor of XXXX  and multiple reversed charges. I have tried to contact XXXX  in the past and they simply said they can not help me because they no longer hold my loan. Now I cant even get in touch with them.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MD)

On XX/XX/2023 ( {$3000.00} ) was withdrawn from my Savings Account at Citi Bank. 
I was called by my mom to tell me that she went to my Bank and took money out. She had my card was only allowed to use my card for small amounts like gas or ect. She wanted to give my nephew some money for his Closing Cost and was able to go into my Bank and sit down with a Customer Rep and withdraw and send a wire without anyone at this Bank asking her to identify who she was. She was never asked for ID and when she filled out the paperwork with her name and address, they asked her to scratch out her name and to put my name on it.

When she called me later that day to tell me what happened. I asked her did they try to call me and did they ask her to show ID. She said no. I was upset. I called the Bank and ask to speak to the Manager and they said he was not there. 

I went into the Bank XX/XX/XXXX, XXXX speak with the Manager / XXXX XXXX XXXX Prior to this happening on XX/XX/2023 I filed a Fraud Claim because someone had charged {$500.00} from my account and the case was to take 90 days to be investigated. My mother was in the Bank during this 90 day period.

Citi Bank should have had that information appear on their system when me or her cam e into their office.

When my account was charged the {$500.00} I had to get a new Debit Card. I went into the Bank to get some funds due to my new card being sent overnight to me and was asked for my ID. 

Why was this women who they had no clue who she was able to go inside sit down and draw money out of my and never asked to identify herself. 

XXXX XXXX did ask me to send a email to say that I approved the transaction. I told him that I did not approve the process but was ok with the money once it was taken and my mom notified me because it was for his Closing. What I should had done was stop everything with the money and not let it go through. I should have taken the money and sent it properly but it was the next day of closing. I was and still am very much upset that this was even allowed to take place. 

I want some action taken against Citi Bank.
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. (GA)

The accounts listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX : {$540.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2015.
Consumer complaint received 2024-11-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

On XX/XX/year> I reached out other Sallie Mae in regards to my difficulty in making monthly payments. On both of my calls, the collections agents offered no solutions to my issues, explained that the only option I had moving forward was to make the minimum monthly payments or risk having negative information be sent to credit bureaus. I tried unsuccessfully to both agents that I simply am unable to afford the monthly payments, that the terms of the rate reduction plan I was recently enrolled in was barely affordable, that I would like to make some sort of payment, but both explained to me that there was nothing available. 

I also requested that my loans be placed on forbearance temporarily, but was told that that was not an option. 

I would like to make some sort of payments to Sallie Mae to honor my obligation, but if they are unable or unwilling to work with me on this matter I don't know what else to do.
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: EQUIFAX, INC. (IL)

Im resubmitting a complaint to you today after I found out that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. I would like 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove 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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : - ; XXXX XXXXXXXX XXXX : - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$150.00} ; XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; 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.