davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WI)

Submitted my annual Employment Certification Form to FedLoan, which services my federal student loans that are currently in the Public Service Loan Forgiveness program. I have done this each year with no problems ( currently on track to have loans forgiven in XX/XX/2023 ) -- after taking 2 weeks to process the very simple form ( 2 pages ) they wrote back saying that either myself or my employer failed to include the Federal Employer Identification Number ( FEIN ) so I went on the FedLoan website to reupload the form but noticed I could see what I had uploaded to them on my " upload history '' under my account on their website. I looked at the form I submitted and it was clear that the FEIN was included on the submission. I contacted customer service and they advised me to wait up to 10 business days while the account is under review. I would just normally wait, but to me this is such an easily fixable error and their response of saying " just wait 10 more business days '' to correct it, is unacceptable and, frankly, given how it is hard to comprehend how they made the error in the first place ( this is not a long or convoluted form we're talking about ) I don't trust them to get it right the second time.
Consumer complaint received 2020-05-12
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)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY FINANCE CORP (GA)

Professional Financing. we have a loan from them for {$6000.00}. We are not even behind on payments but they call mine and my husband phone 3 times a day to get payment. The payment is only {$250.00}. We have never missed a month and they will call from multi different numbers multi times a day.
Consumer complaint received 2020-05-13
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: Bread Financial Holdings, Inc. (NC)

1.Commenity Bank Express is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.
Consumer complaint received 2020-05-12
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. (NJ)

Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s )  and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

Chime bank claims department did not investigate a claim I filed accurate. On XX/XX/2020 there was a {$190.00} unauthorized transaction, I filed a claim disputing this on XXXX XXXX. I I recieved email saying it was denied but the issue is they didn't Investigate the right day or the right reason for the investigation. I then sent a rebuttal and letter explaining they where wrong the the date and the reason I was disputing it. They investigated XXXX XXXX and did it as charged twice but it was XX/XX/2020 and it was unauthorized. I then got email just now saying they are sticking with the denial. Funny part it is the new email has the reason they where investigated changed on it. They didn't look into the right date let alone the right reason. I am now stuck with losing out on my weeks unemployment benefits got the week due to my bank being negative {$190.00}
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COAST PROFESSIONAL INC (CT)

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named Coast Professionals. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with  XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by Coast that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (TX)

I am writing to formally lodge a complaint regarding Ally Bank and their handling of my debit card during a recent name change process. Their actions have left me without access to my primary means of payment for over seven business days, which I believe constitutes unacceptable business practices. 

Here is a summary of the issue : On XX/XX/year>, Ally Bank informed me that my debit card had been canceled as part of updating my account with my new last name. This cancellation was done without prior notification or consent. 

I only became aware that the card had been canceled after attempting to use it at a store and contacting Ally Bank to find out why it wasnt working. 

I was informed that a new debit card was " produced '' on XX/XX/XXXX, but as of today, XX/XX/year>, I have not received it. 

During this time, I have contacted Ally Bank on four separate occasions to seek assistance. Each time, I received no meaningful support or resolution. I have been left without a functioning debit card or any reasonable alternative for accessing my funds. 

The lack of communication, failure to provide timely access to my funds, and insufficient customer support are deeply troubling. Such practices create unnecessary hardship and inconvenience for customers and undermine trust in the financial system. 

I am seeking your guidance and intervention to ensure that Ally Bank is held accountable for this incident and to encourage them to improve their processes for notifying and supporting customers. Additionally, I request that they : 1. Expedite the delivery of my new debit card.

2. Provide a full explanation of why this issue occurred.

3. Take measures to prevent similar incidents from happening to other customers in the future. 

I appreciate your attention to this matter and look forward to your response. If further information or documentation is needed, please feel free to contact me.
Consumer complaint received 2020-09-11
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: DISCOVER BANK (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

In XXXX, I sent 6 accounts to XXXX XXXX XXXX so they could negotiate a reduced payment on my credit accounts. They froze all of my credit cards and loans and began negotiating with my creditors, including XXXX. They also paid off all six creditors. For this particular account ending in XXXX XXXX they paid XXXX {$5300.00}, then paid another third party company {$5300.00} and then for some reason it went back to XXXX and I had to pay a third time {$5300.00} in XX/XX/XXXX. So I have paid three times. Now my credit report says I still owe XXXX over {$6000.00} but I have a settlement letter saying it was paid. I have attempted to remove this multiple times and even called the company directly but both all credit reporting agencies say it is valid and will not remove it, even though I show them proof of payment from XXXX as well as the settlement letter from XXXX.
Consumer complaint received 2021-09-03
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

In XX/XX/2019, I unfortunately opened an account with XXXX at their store in XXXX, FL with a dishonest sales rep by the last name of XXXX. He falsely opened and set up my account, unknowingly to me as a business account. He stated I was getting services for about {$100.00} a month and a FREE XXXX. I ended up having a first bill for over {$200.00}. XXXX has sent my account to SUNRISE CREDIT SERVICES for {$520.00}. This is the SECOND debt collection agency they have sent my account to. In XX/XX/2019, a store manager said he would " fix '' the charges on my account. The service was terrible so I ended up transferring back to XXXX. I WANT THIS DEBT CLEARED OFF MY CREDIT REPORTS BECAUSE IT WAS FALSE AND DISHONEST BY A XXXX EMPLOYEE.
Consumer complaint received 2020-05-12
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. (CO)

SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER XXXX DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Consumer complaint received 2021-09-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There was no sub category for this issue. My complaint is against Equifax. I have been battling for months to get a fraudulent debt removed from my credit report. Equifax knew this debt was fraudulent but refused to remove the companies, XXXX XXXX XXXX, trade line from my credit report. Equifax finally removed XXXX XXXX trade line from my credit report yesterday. Before Equifax removed this fraudulent debt from my credit report my credit score with Equifax was XXXX. Now its XXXX. I had a collections account in the amount of {$800.00} removed from my credit report and my credit score only increases by 4 points. Equifax is deliberately keeping my credit score low to retaliate against me for filing the complaints against them that I filed. Equifax is mad at me because I exposed their lies and shined the spot light on their illegal activities. Equifax lied and said they had received additional information from the original creditor of the fake debt XXXX XXXX made up and submitted to them to scam me out of {$800.00}. They claim this information validated this fake debt. I submitted a letter to Equifax from the original creditor that said I was not responsible for this debt. There is no way Equifax received this additional information they lied about receiving. After I exposed this lie and they were forced to remove XXXX XXXX XXXX trade line from my credit report they got mad. I also filed a compliant with the GA Attorney Generals office letting them know Equifax is aiding and abetting in a crime. Now Equifax is retaliating against me by keeping my credit score low. There is no way my credit score only increased by 4 points when I not only had a collections removed but my debt decreased by {$800.00}. I am sending copies of these complaints to my lawyer who is in process of filing a civil suit against Equifax and the CFPB.
Consumer complaint received 2020-05-12
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: CAINE & WEINER COMPANY, INC. (NJ)

I have a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with XXXX  XXXX XXXX, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there XXXX  XXXX XXXX never done business with them either Caine & wiener I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate
Consumer complaint received 2020-05-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.