davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Validate Account XXXX OF XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 2. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 3. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 4. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections.
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (WA)

Received letter statin g that Pinnacle Credit Services ( letter is fro m  XXXX   XXXX   )  has purchased a referenced account from another creditor. The original creditor is listed as  XXXX   XXXX  Bank, then  XXXX   XXXX , then Pinnacle. The Account balance says {$2500.00} but we can settle for {$1200.00} within 45 days. This is not my account or I do n't know what they are talking abou t. Letter also states that since the debt is so old that they can not sue me or report me to a credit agency. Unless I notify them within 30 days to pay the debt it will they will obtain verification of the debt or obta in a copy of a judgement and mail me a copy. Still, no idea what they are talking about and have had no past dealings with   XXXX    XXXX  other than a recent credit card I have that has never been late. No past collections, no past contact about this issue. I looked online and found a lot of scam information from this company and phone number. When I tried to call  XXXX  I can not reach anyone at all and the message just repeats itself over and over again.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have a negative account on my credit report for {$34.00} in regards to some kind of medical treatment if anyone checks and researches my medical history they will see that I have medical insurance for the past ten plus years so I 'm not understanding how I can have a medical bill that is legal enough to put on my credit report how can a company charge you for services not rendered then hold you responsible for whatever they choose to put it on your credit report
Consumer complaint received 2018-01-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



Thanks XXXX XXXX
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (LA)

I received an email on  XXXX   XXXX  from FedLoan Servicing telling me that I had a secured message. When I logged in to the service, I read a letter telling me to recertify for my REPAYE plan by  XXXX   XXXX . I submitted paperwork through studentloans.gov as directed on  XXXX   XXXX  and received an email on  XXXX   XXXX  stating that my request had been received. I then received another email on  XXXX   XXXX  that stated the exact same thing. Finally on  XXXX   XXXX , I received an email staying that I needed to recertify my ICR. I 'm concerned that FedLoan is dragging their feet and it will allow my ICR to expire, capitalizing my current interest and further damaging my credit.     This happened in   XXXX   as well, where it took nearly 4 months for them to process my paperwork and they capitalized my interest.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.
Consumer complaint received 2017-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department  and 3-4 people o ver the course of  5-6 mo nths ( beginning  XXXX   XXXX   ) and t hey all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although TransUnion showed the account as closed, it still showed a {$100.00} high balance.   XXXX    shows no balance, but a 30 day delinquency and not closed.  XXXX  shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I purchased tires from a local XXXX XXXX tire center and was offered a discount if I used their credit card. I was told that it was also interest free for 6 months. 
After the 6 month period ended I found that the offer was falsely described to me and the promotion was " no interest '' only if I completely paid it off prior to the end of the 6 months. 
Since it was on auto pay I missed the date and was charged interest on the full amount at the rate of 29.99 % I believe this promotion was intentionally misleading in its setup, design and the way it was communicated.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc. (WA)

On  XXXX   XXXX ,   XXXX   017 I  mailed dispute letters along with documents of proof to all  XXXX  credit bureaus,  XXXX ,  XXXX , and  XXXX  regarding  XXXX  collection accounts from Columbia Collections that did not belong to me. On  XXXX   XXXX     2017, I re ceived a letter from  XXXX  ( via mail ) and  XXXX  ( via email/online ) that they resulted in having  XXXX  of  XXXX  collection accounts removed from my credit report. Now mind you, these  XXXX  collection accounts belong to the same person  (    XXXX   ) and the actual person entitled to pay all  XXXX  debts is the same as well and only  XXXX  of the lesser debts were removed. I 've provided legal documents for my dispute, stating I am not entitled to any of these debts because the minor was not in my care at the time.     I 've contacted the collection agency , Columbia Collections , and they stated that I am entitled to pay by law ( If that 's the case why were  XXXX  of the  XXXX  accounts closed ), that they did n't know why the credit bureau is stating  XXXX  of the  XXXX  accounts are closed because it 's showing on their end that I still have all  XXXX  accounts still open and we would have to talk to a lawyer ( but I have a court order stating I am not entitled to pay those debts ). Therefore, the results is that they will not rid my information from any of the collection accounts.     So then I contacted   XXXX   regarding my conversation wit h Columbia collec tions and they stated that the collection company did indeed inform them they delete  XXXX  collection accounts and the  XXXX  one, they were claiming was " accurate ''. I even spoke with a   XXXX   supervisor and he said the same thing and they can not remove anything off of my credit file if the collection agency is claiming they have " accurate '' information and that I would have to deal with the collection agency and get a letter from them stating the  XXXX  collection account is deleted so they can remove it from my credit file or file a complaint with Consumer Financial Protection Bureau.     All in all, My social security was fraudulently and illegally used in the first place by someone who is not entitled to, and Now  XXXX   XXXX  will not remove my information from these debts or the  XXXX  debt and is illegally attaching my name to something I am not legally entitled to pay for.
Consumer complaint received 2017-04-26
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. (NM)

Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (IL)

I refinanced my mortgage over the summer. I used a branch office in  XXXX   XXXX  which is close to my house. My closing was originally scheduled at the end of  XXXX , then moved to  XXXX . I was very careful to specifically ask what my closing costs would be and was told they would be {$200.00}. I have emails to document this. When I arrived at my closing, I was told that the closing costs were {$1000.00} - over {$800.00} more than I was told. My loan officer happened to be at the bank, and when I asked him to explain the discrepancy, he informed me that perhaps because the closing was rescheduled from  XXXX  to  XXXX , that there were additional escrow costs added to the closing.     In addition to this first blunder, my loan officer also informed that I would be getting a refund of surplus escrow money in the amount of {$820.00}. Because of the first error, I asked several times to make sure - I have copies of all of my email conversations with the loan officer to show this. When the time came to receive my refund, they informed me that my old escrow money had been transferred to my new account and I would not be receiving a refund. So I was given incorrect information twice, even after being extremely diligent and asking repeatedly for clarification and accuracy. The incorrect information I was given ended up costing me a total {$1600.00} in unforeseen expenses.     I spoke with the branchs assistant manager the following week and asked if I could speak to the branch manager about this incident. He was busy at the time, but I was assured that he would call me. No call. I did receive a form letter explaining that the money from my old escrow had been transferred to my new escrow account, but I was never told why I was given the incorrect information ( twice - closing costs and escrow refund ), and never received what I consider to be an appropriate apology or consideration based on the   XXXX   huge mistakes they made.
Consumer complaint received 2017-04-26
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. (WI)

XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score cau sing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all three credit bureaus and Transunion for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's Transunion report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  (  son is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers ou r credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score to  be lower by  XXXX  basis points. We know this because when Transunion was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can lower my  credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status. Transunion lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I removed overdraft protection from my checking account and told the bank not to cash payments on multiple occasions if I dont have the money to cover charges. Instead they run charges anyways and bill me {$34.00} overdraft fees and {$15.00} extended overdraft fees on top of it. If I dont have the money how is it logical to charge me fees on top of fees? Its illegal and being done without my consent! Please help protect the little guy, thanks!
Consumer complaint received 2017-04-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in  XXXX    XXXX  . Complaint #  XXXX  has stated that   XXXX   was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United St ates Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court representative. I asked him, " How is it that  XXXX  or a  Third Party  able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.     I then decided to contacted the Bankrupt cy Court and they informed me that they do not provide anyone with a debtors full social security number, an d they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Consumer complaint received 2017-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was  sent a wire transfer to my business account for my business services. Everything was cleared after 24 hours of being sent to me.     Bank o  f America had no complaints or issues from when it happened. On last week, my business account was frozen and eventually closed because of the wire transfer. I was n't responsible for the wire transfer at all. I am responsible for my personal funds that were in the account before the account was closed. Bank of America has n't released my funds, they have escalated my issue to a variety of different departments. In addition, i have had a variety of verifiable Bank of America representativ es.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX     2017  and continues now  XXXX   2017
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   XXXX  90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.