davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

The branch I dealt with in XXXX and recently was this branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I quote and wrote XXXX XXXX and the XXXX. I have also spoken to the debt collector and there is nothing on credit report as of yet... 

" I sent emails with letters to verify and they never responded. 

Attached you will find a cancellation letter from XXXX. 

I am disputing it with the credit agencies, the FTC, and the XXXX. I am willing to let the debt sit since I have good credit anyway and it really won't affect my credit very much and continue to dispute it or settle it in small claims court due to principal. 

I am very unhappy with the services when all I was trying to do was change the membership I was told I needed to cancel and re-open. None of your representatives were able to do that. It caused so much frustration I decided to just cancel all together and they still did not do this right. The reps name was XXXX and she was extremely unprofessional and lacked the knowledge to cancel my membership correctly. Now it is in collections and I've sent them the cancellation letter. Please train your staff to do their job. I should not owe any debt. ''
Consumer complaint received 2022-08-25
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. (CO)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-25
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. (AZ)

I have an impeccable on time payment history with XXXX and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my XXXX  student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. 
Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as XXXX have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. 
Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. XXXX as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.
Consumer complaint received 2022-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

We took out a personal HELOC loan with SunTrust in XXXX ( at XXXX XXXX XXXX XXXX, XXXX, SC XXXX ph. XXXX ). We noticed in XX/XX/XXXX that our monthly repayment amount only showed our payment going entirely to interest and nothing had went towards the principle borrowed. We contacted our local branch manager ( XXXX XXXX ) whom we had signed the loan paperwork with and asked him to corrected this and update us later. He did contact his research department about the problem and he got back an unsatisfactory answer, the same thing then happened again with our XXXX payment and again he contacted his research department and they said that this because of the banks recent merger with Truist Bank. This still seemed wrong to us, as well as, the bank manager and he filed an official internal compliant. So far we have not heard anything else about this an we fully expect that our XX/XX/XXXX payment will also go entirely toward interest payment and none towards our principal! 

We had also noticed interest irregularities around the time of the merger about 8 months ago and never found out the reason for those variations either.
Consumer complaint received 2020-04-16
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: Rocket Mortgage, LLC (FL)

I saw on my credit report that Quicken Loans had made a hard inquiry on my credit on XX/XX/XXXX. I called to contest this because my husband had just passed away on XX/XX/XXXX and there is NO way I was inquiring about a loan at that time. The resolution advocate told me the name of the agent and said that all of my personal info was given to her on that date and I supposedly gave approval to pull my credit. Again I explained my current situation and strongly denied her account of this matter. I also admitted that I DID speak with this agent, and I did give her all my personal info and consent to pull my credit BUT not in XXXX of XXXX, but in XXXX or XXXX of XXXX. I have followed up with several emails ( I have all of them ) on the last one I requested proof with either my signature or voice recorded approval of mine. Her response to me was " We don't have to provide any proof to you, this is proprietary info to Quicken Loans, If you feel this was fraudulent, you can file a police report! Don't I have any rights? Isn't my credit info proprietary to me?
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

To whom it may concern I recently requested that XXXX XXXX be taken off my reports cause it wasn't mine. I did some research and found out it to be from pioneer lending. The case with consumer reporting # XXXX. Now since it was dismissed without prejudice and I am enclosing said document to prove its no longer an issue and you can not do a double jeopardy because it was dismissed. Please remove from all XXXX credit reporting agencies or I will be forced to take it up in XXXX XXXX.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (TX)

On XX/XX/2022, I received a letter in the mail with a XXXX XXXX XXXX stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. 

On XX/XX/2022, I called and email Netspend and XXXX. Neither entity had a customer service representative available to help. Netspend does not have Fraud Department and XXXX has no live operator to handle fraud calls. 

This account was not opened by me. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. 

I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

In consideration that Chase Bank hasn't solved the complaints with ID numbers XXXX, and XXXX. I opened another complaint on this day exposing that : On XX/XX/2022, I received an email from CHASE bank that once again money was withdrawn from my bank account ending in # XXXX ( SAVINGS CHASE PLUS ), without my authorization for the amount of {$9500.00}, once again this is a continuance of the other 2 claims that I have open here at the CFPB and with Chase Bank, In addition, the bank sent me the notification via email of the money withdrawn with a link that I can follow to review my account, but when I hit that blue button another window opened informing me that they can not find my username and password and gave me the option to reset my password. Still, when I hit that option another alert came informing me that my account was locked due to unusual activity. The account is locked for me the owner of the account and the money in it, but to withdraw the money in fraudulent ways the account is not locked.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (TN)

I am a victim of identity theft and I want my account reactivated. I have had this card for over 7 years. They should do a check on their employees who are accessing citizens accounts, charging their cards, and causing problems. Someone in Florida accessed my account last year and made a purchase for {$55.00} that I disputed. 

Then I received this on XX/XX/2020 ; that my account was suspended. 

card Account ending in XXXX Hi, XXXX XXXX, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX   XXXX XXXX, GA XXXX Thanks, The American Express Serve Team
Consumer complaint received 2020-04-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (SC)

my pay off statement loan is XXXX and my refinance loan statement is XXXX. 
I was requested for explanations and answers. They said it is all correct and needed to close with attorney and later we can talk- After the closing as per attorney  no changes can be made.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (IN)

Truist closed my account, explanation from them suspicious XXXX payments... i received a letter saying they would send me a check for remainder balance 7-10 business days after XXXXthat time passed and i called again, i was told a XXXX  payment XX/XX/25 on hold and to call XX/XX/25 ( today ).. 

Now today they are telling they will not issue a check to me... but i ahve to go to nearest branch to sort repayment of funds which is 250 miles away ... a 8-9 hour round trip... 
This is ridiculous, never had this trouble before.. 

They have my passwords ..my ssn ... my mailing address..my security questions ..driving a whole day to sort this out is uncalled for
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX a Judge with XXXX County Clerk of the Courts in XXXX XXXX Florida dismissed a collection named XXXX XXXX XXXX for XXXX. 
I did a dispute with all three credit bureaus. XXXX and XXXX both said I was right and took them off my credit report. Experian however hasnt. I tried twice and I got 2 letters from XXXX  XXXX stating that my credit debit was acquired by XXXX XXXX, XXXX XXXX XXXX. 
Experian has not done what the courts ordered them to do. I want to settle this matter with Experian. 
I have all the documents if you need to see them.
Consumer complaint received 2022-08-25
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX I received notification that I would be getting a refund from Great Lakes Borrower Services for my student loans that were discharged for XXXX XXXX XXXX XXXX. The amount refunded was {$21000.00}. 

Prior to this I was notified by Nelnet and the US Department of Education that I qualified for the XXXX  discharge ( XX/XX/XXXX ). This was effective on XX/XX/XXXX. 

The letter states that " In addition, all payments on your loans received after XX/XX/XXXX, including payments collected through wage garnishment or Treasury offset, will be refunded. '' The second letter states " Your loan holder ( s ) will transfer your loan ( s ) and will return any loan payments that were received after your XXXX date to the person who made the payments. For this purpose, your XXXX date is the date SSA informed the Department that you were XXXX XXXX XXXX XXXX. '' In total from my statement from Great Lakes between XXXX - XXXX I made 14 payments totaling {$9300.00}. I've called Nelnet and Great Lakes several times only to be sent in circles. Nobody will give me information as to why my total payment amount was not refunded. Nelnet tells me I need to contact Great Lakes because they were the one to issue the refund and have my payment history. Great Lakes is saying they can't do anything because my loans were transferred to Nelnet. There is no proper documentation for the amounts I was refunded. When I received the refund I got several electronic transfers some for as low as {$7.00}. I never made a payment for that price. 

It doesn't make sense why my payments were not refunded and it seems like Great Lakes and Nelnet are just trying to ignore me. It frustrating and upsetting because yes my loans were forgiven but that money I paid is gone when it could have went to savings. 

Today I learned that Nelnet bought out Great Lakes yet they both seem to know nothing about my loan payments and refund. I really want to get my payments made refunded or at very least understand why I did not get the full refund. I would also like to know how my refund was calculated - why did I get a refund for {$7.00}.
Consumer complaint received 2022-08-25
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. (DE)

My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.
Consumer complaint received 2022-08-25
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: JPMORGAN CHASE & CO. (MI)

Ive noticed that its inquiries on my report that I havent applied for and would like them removed immediately from chase bank XXXX and XXXX XXXX  XXXX and XXXX
Consumer complaint received 2020-04-16
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)

I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WY)

DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX  account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate