davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

Problem with XXXX XXXX. They treat verifiable 3rd party banking errors as late payments and do not respond to complaints even when written proof has been provided. 

To insure my payment was never late I set up automatic payments through XXXX XXXX for my Fidelity credit card ( they manage it ). It worked fine for years. Then a third-party accounting firm accidentally shut down the wrong bank account - mine - the one XXXX XXXX had been pulling payments from. XXXX XXXX tried to pull the payment as usual but the account had vanished. When XXXX finally contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. 

All of this happened outside of my knowledge or control and was the result of a banking error. I have a letter from the firm responsible admitting their error. I have provided this letter as proof to XXXX XXXX twice but they have never responded to my written disputes. Experian states the file was updated, but it was not. 

I would like the XXXX late notice removed from my credit report because it is not a reflection of reality, my ability to pay on time, or my credit-worthiness.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (TN)

i am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.
Consumer complaint received 2019-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

I now have been enrolled in the Public Service Loan Forgiveness Program for 10 years. I should have been able to apply for forgiveness by now, but between FMLA for maternity leave, and one stretch where I did not work right after after the twins, I have to work for an additional year. At this rate, I will be on track to apply for loan forgiveness in about XX/XX/XXXX or XX/XX/XXXX. 

Here is the issue, and this is why I am writing you today. Beginning in XX/XX/XXXX, I began requesting a list of the total number of payments toward my 120 payments from XXXX, the current servicer of my loans. Between XX/XX/XXXX and now I would say I have contacted XXXX on more than 10 different occasions to follow up on this request. When I inquire about the request made in XX/XX/XXXX, I simply get the response your request is still being processed. I am VERY concerned that this will result a delay in my loans being forgiven. 

Now, another issue has come up. When I went to look at my history of payments on the XXXX XXXX website today, I only saw about 47 payments posted. All the payments I made in XX/XX/XXXX are missing. In late XX/XX/XXXX I was told that after they calculated by income based payment, my monthly payment was {$0.00}. I couldnt believe this and was very skeptical. I asked MANY times you are telling me that a {$0.00} payment still is counted towards the 120 monthly qualifying payments? Over and over again I was told yes. 

Today, after I saw all of these missing payments, I called XXXX and spoke to employee XXXX. I told her about my concerns about 1 ) My request from XX/XX/XXXX still not being processed and 2 ) my missing payments from XX/XX/XXXX. This employee told me your request from XX/XX/XXXX is still being processed and your {$0.00} payments will absolutely still count, but they are just not listed on the payments history, only actual payments are listed there. 
After this situation today, I XXXX  Public Service Loan Forgiveness Complaints, and I was shocked to see probably 50 articles written stating that " It has been one year since student loan borrowers have been theoretically eligible to have their loans forgiven under the Public Service Loan Forgiveness ( PSLF ) program. And yet, out of the 28,000 borrowers who applied, only 96 have had their loans forgiven. That is less than 1 percent of applicants. This is absolutely shocking and terrifying to me. I am not the mother or the wife that I want to be because I am tethered to my job and working in non profits that work their employees to the bone. I am XXXX, XXXX, and XXXX. I feel trapped, and now I am scared there is no end in sight.
Consumer complaint received 2019-07-14
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. (NY)

There is a paid XXXX XXXX with {$0.00} Balance account XXXX XXXX XXXX XXXX XXXX, showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any XXXX   XXXX. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and XXXX. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

i received a collection notice from first national collection bureau inc and it is not my debt. 
1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
Consumer complaint received 2019-07-15
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: BARCLAYS BANK DELAWARE (GA)

The following Corporations : XXXX XXXX, Barclays Bank Delaware, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/XXXX XXXX allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX XXXX allegedly owed {$0.00} ; XXXX XXXX XXXX allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; Barclays Bank Delaware amount allegedly owed {$870.00} ; XXXX XXXX Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-01-18
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: EQUIFAX, INC. (FL)

Todays Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-14
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. (GA)

This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (OR)

I recently got a Citi AAdvantage XXXX XXXX card and required a replacement card at the end of my first month. A fraud hold was placed on my account, and when I called Citi said they were unable to verify my identity with the phone number I provided upon my card application. I visited a Citibank branch to try and verify my account in-person, but to no avail. Finally, the branch manager was able to help get a supervisor on the phone and the fraud alert was lifted because the supervisor decided they could use my phone number as verification after all. 

However, another fraud alert was put on my account once the replacement card arrived. This time, I asked for a supervisor, who insisted that Citi could not verify me with my own phone number this time. The supervisor 's ID code was XXXX. Instead, she asked me for a family member 's phone number. I provided my mom 's phone number, and Citi was able to send her a voicemail with verification instructions. 

This is absolutely unacceptable because I am the individual cardholder and my account has no relation to my mom. It is a serious privacy concern to me that anyone could call Citi if they were friends with one of my family members and provide a family member 's phone number for card verification -- especially ironic when I myself can not verify my own account alone. I am very concerned about Citi 's ability to maintain cardholder security, and have found that the fraud department 's verification process to be extremely problematic. Allowing family to verify my account poses a great risk for fraud. Only the cardholder should be able to verify his or her account, and the cardholder should not be put through such a hassle either.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2024-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

My HELOC was funded by XXXX who sold my HELOC to Shellpoint Mortgage XXXX in XX/XX/year>. I have access to their website and receive paper statements. My HELOC is approx. XXXX K in total with a monthly interest payment of around {$1000.00}. 

I have sent them XXXX payments since XX/XX/year>. I believe that they had an error on the second month statement and told me I owed around {$1700.00} in XXXX. I paid this, but realized this was excessive and called the first time. The agent agreed with me and supposedly credited my next monthly interest payment to {$300.00} plus dollars which was paid for XXXX to total the interests payment. 

Ever since, they have insisted that I am XXXX month delinquent harassing me weekly in spite of regular monthly payments and I have called more than a dozen times, waiting on hold, supposedly speaking to supervisors, transferred here and there and, yet, the website to this moment states that I am delinquent in my interest payments. At the same time, I have lodged formal complaints over the phone, sent a letter to the legal department and have yet to receive a response. 

The last communication I received from them was a letter stating that my " loan is delinquent '' asking me to XXXX to straighten this out. 

I have contacted XXXX XXXX and have a record of all my payments to Shellpoint and I have contacted my attorney. I am willing to pursue this matter against this unscrupulous, unethical and disorganized lender.
Consumer complaint received 2019-01-17
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. (CA)

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX  asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

1. XXXX XXXX XXXX XXXX paid me {$80.00} via PayPal and sent the funds to my e-mail address XXXX 2. PayPal notified me of the transfer. 

3. Problem : I did not have an active PayPal account ( I closed it to protest PayPal founder 's support of the XXXX. I DID NOT HAVE AN ACCOUNT. 

4. PayPal held the funds and did not XXXX XXXX XXXX know that I did not have an active account. 

5. This situation is Tantamount to depositing {$80.00} in an account at XXXX,  and XXXX keeping the money, when I did not have an account. 

6. I had to open a new account to receive the funds. 

7. When I verified the account PayPal said that the funds were not present. 

8. I had to complain about the situation and eventually received the money. 

HOWEVER, HOW CAN A FINANCIAL INSTITUTION HOLD A DEPOSIT FOR ME WHEN I DO NOT HAVE AN ACCOUNT? THIS IS ABSURD AND ALSO SCARY. I CHOSE XXXX  ON PURPOSE GIVEN ITS SHADY HISTORY. 

Dear XXXX XXXX XXXX, Good day! I hope my email finds you well, XXXX. We can sense the importance of this matter to you. 

You have a very good point and I do understand the confusion, an email address that is not yet technically link to an account or not yet confirmed can received payments due to that we always give chance to everybody to use PayPal yet the sender can cancel the transaction when its tagged unclaimed on there end. To know more about PayPal please click on the link below. 

https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security On a personal level, I would like to extend our apologies for the inconvenience caused. 

Thank you for being part of the PayPal community. For additional questions, please visit www.paypal.com and click Help & Contact, near the bottom of any page. 

Sincerely, XXXX PayPal XXXX XXXX PayPal
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (CA)

I'm not exactly sure what happen but the bank no longer wants to due business with me, which is fine by me. 

XX/XX/2019 Account was closed by bank. 
Amount owed is {$1800.00}
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I had an 18 yr old Discover card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by Discover. It is XXXX and XXXX. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.
Consumer complaint received 2019-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Hello I mailed a notarized dispute letter and it was certified disputing unverifiable items on my report. They received the letter on XX/XX/XXXX and they have failed to respond. Today is XX/XX/XXXX. It should have been post marked by XX/XX/XXXX. By law they are required to remove items since they failed to completed the investigation and or provide requested/required documents.