davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I mailed, by US Postal Certified Mail, Experian a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. Experian did remove/delete all except a XXXX XXXX account. I then mailed XXXX, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both Experian and XXXX have still not removed this fraudulent account from my credit report. XXXX mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. XXXX also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my Experian credit report.
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The High Credit is reporting different on each credit bureau TransUnion shows {$1000.00}. XXXX  shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. TransUnion Shows XX/XX/XXXX. XXXX  shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I had my bank pay off my credit card with a secure check. The credit card company cashed the check and still hadnt applied the monies to my account. The statement was mailed with the guaranteed check. I also have a copy of the cleared check.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

SNATIONAL CREDIT SYST XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Is Saying I stayed at this apartment at a certain date but I didnt stay at the apartment at that time of date.. I even contacted the apartments and they didnt have any information on me
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.
Consumer complaint received 2019-05-17
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. (CA)

Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MO)

As a XXXX XXXX  I was furloughed and called Wells Fargo to explain the situation and needed to forgive my XX/XX/XXXX payment. I was promised I would not have to pay that month and it would not affect my credit. Once I returned to work I paid double the next month and included the interest for the late fee. To my surprise Wells Fargo did not keep their promise and reported to all the credit bureaus I was late. I have never been late since the time I have had the loan in XX/XX/XXXX and the one time a XXXX XXXX needed a delay in payment due to the government shut down they treat their long standing customer with so much disregard as if I control the government. 

I have called multiple times and wrote multiple letters to get this removed. I will attach a letter sent XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (FL)

An ACH debit came into the account ( XXXX ) which there were not enough funds to cover on XXXX XXXX, 2019. The payment was supposed to be returned unpaid but instead Discover pulled money from another one of my accounts as overdraft protection.The problem is I never setup nor agreed to overdraft protection.I asked Discover for proof such as a date that I signed up, a letter, or email confirmation and they were not able to locate any such documentation. I asked them to stop the transfer that was pending but they claimed they were unable to. This was an unauthorized transaction from my account as I never signed up for overdraft protection but all they said was I had to because they can't on there end. This caused other payments where the scheduled to come out to be in jeopardy.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX my account fraudulently debuted for XXXX . I called my bank usaa and they were confused as well the title was atm adjustment fee after 1 week of going back and forth a representative called and said she will oersonnly call me on Monday XX/XX/XXXX and it never happen. It will eventually come on my credit and I am not trying to go through that especially when it not my fault. After calling them almost every day and spending more then 50 minutes on the phone getting transferred around. I am starting to lose hope.
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

On XX/XX/2019, I wrote a 2nd letter to your office regarding debt collection letters I was being sent for an account that I have no knowledge of. 

You were asked to submit to me the note, signed contract, application of the referenced account or something similar. Instead, I received a few pages of a credit card statement that simply had summary of totals with my name included. You further explained that you had purchased the credit card debt from XXXX XXXX XXXX  after a charge off that had occurred in that letter response. 

I reiterated to you, your company has not provided verifiable proof, as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), receipts of charges with my signature, contracts with my signatures, etc. - that the debt they say I owed is actual mine, other than printing a few statement pages. The account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges and the account itself is being disputed. 

I do not agree that your company can simply use any documentation given from the creditor that sold you the credit card account to you ( at pennies on the dollar I am assuming ) and then turn around and use that limited information as your bases to file a lawsuit against me over state lines to collect whatever was stated on those papers. 

I am under financial distress. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe because of a series of recent catastrophic events that have set me back. 

I am currently the primary support person in my mothers XXXX care treatment. I was forced to reduce my hours at my day job and eventually had to quit altogether due to the number of absences I needed to take so I could take care of my mother. This catastrophic event impacted all our family members finances including mine since our mother was uninsured for medical XXXX care. 

Additionally, I am paying for my own personal deteriorating health care and living expenses by seeking the help of others and selling personal property of mine for day to day survival needs - since I am currently unemployed. 

As a result, I have not been able to save any extra money for a bankruptcy lawyer to help me file for bankruptcy protection ; however, I will continue to look for work to raise enough money to start a bankruptcy petition in mid-2019.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Zeller & Associates, LLC (FL)

I was trying to get some tickets for a game, from XXXX XXXX. Seller claims that once I submitted the payment true XXXX. He will forward the ticket information to my email. And it never got the tickets. I call my bank to claim and put a stop payment on the transaction. And they claim that's nothing they can do since it's a XXXX quick pay. 
This is where the payment went to XXXX XXXX and e mail. XXXX Tel # XXXX. Also they give me this other email Okay his email XXXX his names XXXX XXXX.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 Navient reported to all three agencies that my student loan balance increased by {$3100.00} and then Navient on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call Navient and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why Navient reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if Navient fixes the mistake. 

Navient inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Consumer complaint received 2019-05-17
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. (MS)

To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (GA)

I overpaid my XX/XX/2019 mortgage payment. I made two XX/XX/2019, mortgage payments ; {$750.00} received and posted by Provident Funding on XX/XX/2019 and {$800.00} received and posted by Provident Funding on XX/XX/2019, both payments made via ( XXXX XXXX XXXX ), ACH. I requested in writing on XX/XX/2019, to Provident Funding a return of one over- payment. Provident Funding refused to return my over-payment until I submitted verification that both payments cleared my bank and further, that I had a positive balance in my bank account. It was only after repeated request to return my over-payment and after holding my posted and cleared funds for 10 days, did I get a communication from Provident Funding that my over-payment would be returned. I also asked Provident Funding to transfer my account to another mortgage service provider. They denied my request. I no longer have confidence in Provident Funding to be a creditable or fair mortgage serving provider and wish to be associated with a more reputable financial institution.

XXXX XXXXl
Consumer complaint received 2019-05-17
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. (OH)

I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX # XXXX, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX please delete. I have a unverified account XXXX XXXX XXXX OHIO DOCKET # XXXX this account is not accurate please delete.
Consumer complaint received 2019-05-17
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. (SC)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2019-05-17
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. (MO)

I contacted XXXX to disagree with the debt. Every credit bureau removed the debt instead of Equifax. I received a letter from XXXX explaining they will contact every credit bureau to explain it does not belong on my account. I have sent the letter to Equifax several times but they will not remove the debt from my account. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX. There were also letters from a company I paid to take over but I do not have those on me.
Consumer complaint received 2019-05-17
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. (SC)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MS)

To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from FedLoan Servicing. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of Fedloan Servicing should reflect the true status of the account with Fedloan Servicing. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with Fedloan Servicing shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, Fedloan Servicing and your credit reporting agency did not thoroughly investigate my dispute. Because of this both Fedloan Servicing and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all Fedloan Servicing accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you
Consumer complaint received 2019-05-17
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. (MS)

To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you
Consumer complaint received 2019-05-17
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. (SC)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.