davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX is reporting {$500.00} was not paid. Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Equifax to give notice that this creditor is providing false information. Unfortunately, Equifax continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( Branch Manager ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Equifax is aware this was an insurance claim that was paid in full. Equifax decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Equifax continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Equifax declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Equifax to provide evidence that the creditor validated this claim, no response to my request. 
XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. XXXX still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Equifax declined to have this removed and continue to report it after several disputes. This is a fraud account.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX  several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX  XXXX  to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX and on XX/XX/XXXX, XXXX credit cards were opened under my name. I suspect my information was stolen at the dealership. I received the credit cards to my home on XX/XX/XXXX. I immediately reported these XXXX cards as fraudulent and reported it to the XXXX credit bureaus as well. XXXX acknowledged the credit card as fraudulent and closed the account. Barclays bank has insisted that the card was not opened fraudulently and has reopened the account 3 times since I have called to report as fraud and close the account. They increased the credit limit on that card from {$5000.00} to {$20000.00} after I had called them to close the account. Barclays asked me to submit a police report on the XXXX attempt to close the account so that it can be considered when they perform their investigation. On XX/XX/XXXX, shortly after I submitted all the paperwork they requested which was on XX/XX/XXXX, I received letters attached stating they were reviewing the case and the following day another letter was addressed that they again did not believe the account is opened fraudulently. I called again on XX/XX/XXXX to request the account be closed. I have called Barclays bank 3 times to request this fraudulent account be closed. They have continued to reopen the account and increase the spending limit a whopping 400 % at XXXX instant.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I applied for the save program in XX/XX/2023 before student loan payments resumed. I was just granted student loan SAVE program on XX/XX/XXXX. By then NELNET tacked on XXXX in accrued interest. I want the accrued interest removed.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received 2 alerts on my credit wise that my SSN was associated with an address and name that Im completely unaware of. 

The report made to XXXX it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice
Consumer complaint received 2017-12-12
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. (OR)

I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XX/XX/XXXX. I went to buy a house XX/XX/XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XX/XX/XXXX, not XX/XX/XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (FL)

Equifax : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by XX/XX/XXXX XXXX  for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XXXX  XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened with equifax. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX fl XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I suspect someone at this address ( XXXX ... GA ) is involved in fraud.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I've been dealing with this since XXXX. Please help. I have ten loans in default held by PHEAA. I reached out to PHEAA asking about eligibility for XXXX XXXX program. I was told that my loans would be transferred, but they so far have not been. I believe my initial contact with PHEAA was on or about XX/XX/XXXX, and subsequently, on or about XXXX XXXX XXXX I was in touch with PHEAA again on XXXX XXXX XXXX I was told that my loans would be transferred to XXXX, but that, again, I would just have to wait. 

I have contacted D of Ed on XXXX XXXX XXXX XXXX, only to be referred to PHEAA. My last contact with D of Ed on XXXX  is still " under review. '' StudentAid.Gov tells me that I have these loans in default, with balance of ~ {$98000.00}, but both PHEAA and AES don't make the info available to me, though I can see on StudentAid.Gov that interest continues to acdrue. 

I have recently paid off a balance of ~ {$30000.00} with XXXX. 

I am in a position to pay approximately one-half of this balance, and then continue making payments, and have been trying to resolve this since XXXX. Please help.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

My XXXX XXXX credit monitoring shows the creditors reporting false info. on both charges paid on XXXX. 

1 ). 
XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX PAYMENTS XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal UNCATEGORIZED ( {$120.00} ) Notes : Comfirmation # XXXX Paid account # XXXX original amount XXXX per reduced agreement XXXX XXXX ). 
XXXX XXXX XXXX XXXX Purchase XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal Misc. Business Services ( {$81.00} ) Notes : Comfirmation # XXXX XXXX XXXX XXXX XXXX account through Diversified Consultants
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I initiated an instant transfer of {$250.00} ( less {$4.00} instant transfer fee ) from my Venmo account into my checking account with XXXX XXXX. Venmo charged me a fee to transfer instantly but the money never appeared in my checking account. I was told sometimes it takes my bank some time to show it in my account, wait 24 hours. Still nothing and no response from Venmo. I called my bank and had them look into the confirmation number provided by Venmo. They had no record of the transfer. I contacted Venmo again. They tell me they will escalate it so I should hear back within 6-7business days. When I finally received an email from their Specialist ( XXXX XXXX ) Global Exceptions Operations, he/she gave me a trace ID number and to go to my bank so they can find it ( essentially blaming them for losing it ). I again called bank and again was told that they have no record of the transfer. I contact Venmo again and tell them this and now they tell me to send them a screenshot of my bank account. I do this and now Im told that they put in for a recall from their bank and they will let me know in 30 days. This cant be legal. They should be held responsible. Ive read numerous complaints about the same thing happening to others. Please do something to mandate this company be held accountable for losing peoples money
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

At the start of XXXX ( 2023 ) I made a wire from my XXXX XXXX account to my XXXX XXXX account. It should have arrived within XXXX to XXXX business days and it hasnt of today. 

Ive been following up ever since and no response has been given to us by Chase, the intermediary bank. 

Wire reference that may be helpful is : XXXX XXXX
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I C Systems inc is attempting to collect a debt that was fraudulently opened a year ago. The account in question was closed and removed from all 3 credit reporting agency 's. The creditor was made aware of the fraud and was provided with a FTC affidavit.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

See attachment! 

XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged XXXX account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. 
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to XXXX XXXX XXXX XXXX ( XXXX ), and this raises concerns about compliance with federal law. 
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for XXXX 's communication with me regarding this alleged debt. 
Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. 
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the criminal activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between XXXX and Capital One bank regarding my personal information for my record in the event I have t file a Federal complaint. 
Given the recent CFPB lawsuit against XXXX XXXX XXXX XXXX, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. 
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-16
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. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BBVA FINANCIAL CORPORATION (TX)

I contacted BBVA Compass Bank on XXXX/XXXX/XXXX notifying them that I traded in the vehicle to XXXX XXXX XXXX XXXX and provided them with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone XXXX XXXX My payment was n't due until XXXX XXXX, XXXX, so they had plenty of time to contact the dealership and provide the proper payoff amount. In the meantime, XXXX XXXX called Compass Bank with a payoff amount and the automated system stated that it was good for 10 days. XXXX XXXX overnighted a check for {$25000.00} on XXXX XXXX, XXXX and I asked XXXX XXXX if I needed to make a payment to Compass Bank and he told me that I did n't because I no longer owned the vehicle. I called Compass Bank on XXXX XXXX, XXXX to see if they had received the payment and they claimed that they did n't, meanwhile I kept receiving calls from Compass Bank regarding payment and when I inquired about the funds that were overnighted by XXXX XXXX, I kept getting the run around. Actually, it took them over a month to find the funds and although the account it paid in full, they reported my loan delinquent 30 days even though they had the funds in hand. I 've had nothing but problems with Compass Bank and I 've reported them several times because of their lack of concern, misappropriating funds, and some would say incompetence. I want this resolved quickly and I want them to remove that report from all credit reporting agencies. They are being spiteful because I ended my business relationship with them. I simply just got tired of the run around and the unprofessional behavior as well as unknowledgeable personnel that I always had to deal with.
Consumer complaint received 2023-12-04
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. (TX)

XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (AZ)

I had XXXX in XXXX and was going to be out of work for XXXX  months so I contacted Roundpoint Mortgage to have my XXXX, XXXX and XXXX payments deferred to the end of my loan. I submitted an application and did not pay those XXXX  months. We made a payment on XX/XX/XXXX and another payment on XX/XX/XXXX which they returned and said we had to pay the entire balance in full. I have contacted them numerous times trying to get this resolved and they keep stalling. I've asked to speak to a manager XXXX  times, I've emailed a formal complaint and I'm still not getting anywhere. We recieved a NOTICE OF DEFAULT letter and now, as of yesterday, they have damaged my credit.