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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

In XXXX of 2020, I applied for a new payment plan for my student loans with Nelnet. My payments were made to be smaller and paid later. I confirmed this with Nelnet. On XX/XX/XXXX of 2020, the amount of {$110.00} was taken out of my bank account by third party XXXX XXXX  XXXX. I had never seen it before and the amount doesnt match up with the amount that my payments to Nelnet would be. I contacted XXXX XXXX  XXXX and they gave me the contact info of the servicer that withdrew from my account. I was given an email, XXXX, and their phone number, XXXX and have sent countless emails, and still have received no reply. Im worried that I may be getting scammed.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit 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. (DE)

We purchased kitchen appliance from Best Buy in XXXX they could not deliver when needed so we cancelled all items. they keep telling us there is a balance of {$360.00} when we ask them to explain the balance they can not give us any details. I added up all receipts and credits they equal {$10.00} which was a donation to XXXX XXXX. When I finally figured this out myself we paid the XXXX dollars. I have written the credit card company the CEO at Best Buy the Local Store and disputed through XXXX. XXXX  completed their investigation and said Best Buy saids they are correct end of dispute
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 had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

I filed a complaint with your agency CFPB against Medical Data Systems complaint ID # XXXX on XX/XX/XXXX my complaint stated that medical data systems has continued to place collection accounts on my credit reports reinserting changing account names or amounts slightly to slip by the credit reporting agencies. These collection accounts where on my XXXX  credit report XX/XX/XXXX after dispute and reinvestigation the accounts remained unchanged until I filed a complaint with CFPB and XXXX   and wrote a letter to Medical Data Systems informing them I was going to take legal action because of their deceptive and unfair collection practices. This collection agency attempted to collect on {$16000.00} with a total of 26 separate accounts all being medical. I am unsure if this is the companies attempt at defrauding the Veterans Administration because of my XXXX XXXX XXXX status, or just an attempt to defraud me personally. This complaint will be followed with a complaint to the Attorney Generals Office here in Texas and if nothing is done to prevent this from happening again to me or other Americans in general I will personally hire an attorney and see that this company answers for their deceptive and criminal ways of doing business.
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 — Account information incorrect
Company: AES/PHEAA (FL)

For years I have been trying to fix the inaccuracies from FedLoan. I have tried disputing, writing the ceo and complaints. I have never been late. However, there are 5 loans that were closed due to consolidation that have one late payment each. This is hurting my score tremendously! Unfortunately, I was recently denied from XXXX XXXX XXXX  due to the 5 late payments. I am in need of these items to be corrected. The late payments that are showing the accounts were in deferment.
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life
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)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IL)

XXXX XXXX XXXX XXXX sent me a debt collection notice for their client PayPal. I do not have a PayPal account, never did, and never buy anything that would offer an option of PayPal. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from PayPal. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling PayPal, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX XXXX debt collection company I saw similar complaints about this debt collector and PayPal. The address of XXXX is XXXX XXXX XXXX, XXXX, TX XXXX. PayPal was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

1. I made reservation for stay at XXXX XXXX on XX/XX/2020 for the amount of XXXX USD but I didn't receive my {$300.00} XXXX annual statement credit for XX/XX/XXXX-XX/XX/XXXX. 2. I spoke with customer service in XX/XX/2020 regarding extending the expiration date of my XX/XX/XXXX-XX/XX/XXXXannual {$300.00} XXXX statement credit. The customer service rep asked me to wait a week and assured me that I would receive an update before the credit expires. However, the customer rep did not provide an update, and as a result, I was not accurately notified of an accurate expiration date as a result of negligence on the company 's service. I waited because of the request made by the company. If I knew the credit would expire and that there is no update coming from the company, I would confirm and make sure I would spend the credit before the expiration date. I requested resolution from the company, but didn't receive resolution. Conversation ID XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft on XX/XX/2020. My SSN, physical address, email address, DOB and name were used to create an credit account with XXXX. On XX/XX/2020, I received a notice from my credit monitoring service that my credit was checked by XXXX using Experian Credit Bureau. I have taken corrective action to freeze my credit with both XXXX and XXXX - with no trouble. However, I have been unable to freeze my credit with Experian. I have attempted numerous times to use their website to both dispute the credit check and freeze my account - but I receive error messages that the tasks can not be completed. I have attempted for 2 days to contact Experian via phone to speak with a representative to assert my lawful right to dispute the erroneous credit check and freeze my credit ( I have called the following numbers provided on the Experian website : Dispute Credit Report ItemsXXXX ; Report Requests & Fraud : XXXX ; Existing Customer Support:XXXX  ; Customer Care : XXXX ; Customer Care : XXXX ) however I was connected to automated systems that did not allow me to speak with a live representative, nor allow me to process my requests, and ultimately ended with me being disconnected because the prompts led me to a dead end which stated : " we are unable to process your request by phone ... '' - disconnect. The phone systems instruct me to send via US mail highly sensitive personally identifiable information - which as a victim of identity fraud, I am not willing to do - it is not a secure method. I am requesting that Experian provide a phone number that allows me to speak directly with a live representative in order to process my credit check dispute and process a credit freeze.
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. (AR)

I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}
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)

I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}
Consumer complaint received 2021-10-27
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. (PA)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.
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. (CA)

After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

XXXX submitted a collections agency ( Receivables Performance ) to collect a {$480.00} debt for my son ( XXXX XXXX XXXX XXXX acct no. XXXX ) In my name ( XXXX XXXX XXXX XXXX acct no. XXXX ). When I was able to determine the account numbers, I submitted the account numbers to the collections agency escalations department citing the differentiation, and they refuse to act.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (NC)

XX/XX/19 : XXXX XXXX Hospital {$3400.00} & {$1100.00}. Tried disputing with company to no avail nothing happened. Tried getting help paying bill thru assistance program
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I reviewed my credit report and had come to find out I had unknown accounts on it. I reached out to Commonwealth Financial Systems to try to fix the issue but it was no avail. All 5 accounts are Hippa Violations and I haven't received any services nor products from Commonwealth Financial Systems.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRSTBANK (CO)

On Tuesday XX/XX/2022 I was informed my account was closed at FirstBank Holding Company. I was asked if I wanted my funds mailed or picked up, I said I would pick them up. I went in early today ( Friday XX/XX/2022 ) and was told everything was on hold. After about XXXX minutes I was requested to talk to a guy named XXXX who asked non-important questions and refused to forward conversation on my funds in my closed account. I ended the conversation amicably, drove home, reached out to the representative who I first spoke with, XXXX, and asked her to mail me the checks. She informed me that until XXXX releases the funds she can not do anything. As of XX/XX/2022, FirstBank Holding Company confirmed XXXX account closing balances. The oldest account had a little over XXXX XXXX XXXX XXXX ( {$20000.00} ) and the second account had a flat XXXX XXXX ( {$10000.00} ). I was told nothing the holdings were completely removed on XX/XX/2022, and those balances were final. On Friday, XX/XX/2022, all the events I spoke about above, occurred, and FirstBank refused to give me my money.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

Citi bank said they sent me a check for my remaining funds. They said 30-60 days for the check to be mailed. The account was closed in XXXX. Near the end of the month. Without any info. I went to DC last month and went into a branch I was told the same exact thing as before but its been well over 90 days! I need my money. I have every right to it. $ XXXX
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX XXXX  results corrected the XXXX payment and updated it to " paid-on-time. '' Experian 's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( Experian, XXXX ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.