davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (NC)

Hello, I sent letters to the three national reporting agencies, XXXX, Equifax, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. Equifax and XXXX totally ignored the letters and I received zero feedback.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

XXXX apartment complex was a poorly managed property. We asked to terminate our lease two months early due to the lack of communication and the amount of time they took to repair a wall. ( 2 months ). The wall was unsafe and presented a health hazard, due to my XXXX and other health issues I was unable to continue to occupy the home. We were told that they we would not be able to leave, however because of my health issue I had to leave. We never had major issues with management until we were given less than 24hrs notice that they would need to gain access to our unit because the tenant above us had a leaky window. When I came home from work my door was left unlocked and my perfectly fine window did not have drywall ( sheet rock ). When we confronted management they seem to be clueless and claimed they fired the third party contractor. We got the run around for weeks until I threaten to call corporate. 

I reached out to XXXX XXXX XXXX IN to ask for verification and documentation that the debt on my credit report is correct and accurate, but to date they have not been able to provide any information. Therefore according to the FCRA this should be removed off of my credit report.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Prior to being transferred to MOHELA, XXXX was preparing my loans for discharge because I had met the requirements for PSLF. Not that my loans have been transferred, I was told by MOHELA that there is no record of my PSLF forgiveness.
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. (IL)

My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2018-08-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (UT)

On XX/XX/year>, I noticed unauthorized transactions totaling {$10000.00} in my Robinhood account. Upon reporting this, Robinhood locked my account, which also contains {$8000.00} in unaffected funds that should not have been restricted. 

Since the report, I have been in constant communication with Robinhood support, making 14 phone calls, sending 9 emails, and having 17 chats with various representatives, amounting to over 3 hours of time spent. Robinhood initially provided a resolution date of XX/XX/year>, but that has been pushed to XX/XX/year> with no clear explanation. Despite multiple requests, I have not received any manager call-backs as promised. 

Additionally, on XXXX occasions, agents were rude and even hung up on me, including XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. This situation has caused significant financial stress due to the lack of access to my unaffected funds and delays in resolving the issue.

I believe this handling violates Robinhoods customer service standards and potentially regulations by FINRA and the SEC.
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. (AZ)

I file a dispute with Experian about XXXX XXXX XXXX a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue, I believe it is because it is a conflict of interest because Experian connect does background checks for landlords. On the other hand I gave XXXX the same information and they were right on it and removed it from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as transunion, XXXX and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-07-09
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: Diversified Consultants, Inc. (SC)

DCI- Diversified Consultants is reporting incorrectly on my credit report. I've never had XXXX. This was placed on my credit and removed, and reappeared under a different collection Agency
Consumer complaint received 2019-07-09
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. (NY)

All problem started when my passport and credit cards were stolen several years ago at the airport. I submitted police reports, new passport etc. to XXXX but it fell through the cracks as the specific airline went out of business and it was reported as write off of {$690.00} ( it accumulated interest ). I took XXXX to court upon returning to US and we signed an agreement that they will fix the reporting within 30 days of the agreement and it will be reported as always paid on time. I have court papers and in contact with XXXX attorney XXXX XXXX who's contact information was also submitted with the dispute. Im in touch with him as of this moment. 

I submitted disputes and court papers to all agencies and all corrected the reporting except Experian which claims they verified the information and keep reporting it negatively. How is that possible???? I just tried calling Experian, was on hold for 55 min before someone by name XXXX answered and put me on another hold which said at least 45 min wait ... I simply can't do it ... I have the actual reporting from XXXX attorney dated XX/XX/2019 XXXX submitted here ) which confirms that XXXX has been reporting everything as paid on time. I don't know what's wrong with Experian and what kind of people they hire, I only know is very frustrating, time consuming and it has to be fixed and I must be compensated for the mess they are causing. It causes me financial hardship and sucks up my time and energy. I feel like I'm banging my head against the wall. Experian practice is unprofessional, incompetent and they should be shut down.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery sent me an affidavit to fill out. I sent it back weeks ago. I have not heard anything back from them. They are trying to collect a debt that was a result of my account being used unauthorized.
Consumer complaint received 2021-12-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, XXXX and Experian about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received
Consumer complaint received 2018-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I made a {$300.00} payment through my Chase Bank XXXX service offering transfers. The recipient was a scammer and I called my bank to report the fraud.

My bank said they would try to recover the funds but there was nothing else they can do about the fraudulent transaction.

As a trusting consumer and loyal customer to my bank, your bank should not offer any services that are not backed up or protected by the bank.

As a consumer, I trust that any service your bank offers should be protected and safe, I mean it's your bank.

The transfer went from one bank to another so it should be protected.
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: LEXISNEXIS (IL)

On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how XXXX or Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Consumer complaint received 2018-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Ocwen is my mortgage company. every year they give me an escrow disclosure statement. These are projected escrow payments that they keep low balling me on. They underestimate the escrow payments then at the end of the year, they want me to send them a lump sum of money to keep my mortgage payments the same. This year, we overpaid my property taxes and I have a refund of {$1100.00} which I have filed the paperwork to get back. I have a homestead exemption, a senior exemption and a senior freeze. My mortgage company has estimated that I will be short by over {$2000.00} and they want me to pay them that lump sum. I called them to complain so the recalculated the " estimated shortage '' and now they want me to pay XXXX. They gave me a refund from Last years estimate so I paid an extra {$40.00} to my mortgage payments so I wouldn't be short but low and behold, this is when they say I'm {$2000.00} short. I want them to stop playing with my mortgage payments with these escrow estimates that are never right and they are always asking me for a lump sum of money. These are projected escrow estimates that they are basing my mortgage payments on. By the way, I wonder why my PMI payments never get any lower?
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 — Old information reappears or never goes away
Company: COAST PROFESSIONAL INC (IN)

In XX/XX/2018, I entered into an agreement with Collection Company : Coast Professional ,  Inc. ( on behalf of US Dept of Education ) XXXX XXXX  XXXX, XXXX XXXX, LA XXXX XXXX, made with XXXX Agreement to pay : {$880.00} on XXXX {$880.00} on XXXX and {$880.00} on XXXX This would be settled in full per our documented agreement. 

Per my XXXX XXXX XXXX account ALL payments came out of my account to US Dept of EDU DBE GRP XXXX XXXX XXXX DC on these dates : XXXX XXXX XXXX The problem is : Still, my credit reports report as unpaid with a balance of XXXX and reported monthly as in collecitons. 

I have disputed 3 times, attaching the Agreement, bank statement proving I paid and still they refuse to remove from my credit reports. 
Please help, I can not buy a house because of them not holding up their side of the Agreement.
Consumer complaint received 2018-08-04
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. (FL)

The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected
Consumer complaint received 2018-08-04
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. (FL)

The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected
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: SYNCHRONY FINANCIAL (ND)

SYNCB/MILLSFLEETFARM is reporting incorrectly to XXXX ; XXXX  and XXXX a charge off of a credit card account number XXXX. This credit card was used fraudulently to purchase goods. ( Please see page 11 of the attached credit report. ) I have also attached copies of the XXXX Police Department report dated XX/XX/2019 along with my signed Affidavit of Fraud. This debt is not mine and this incorrect reporting is harming my credit score. I have contacted the three bureaus to remove this item from my credit report, however I have not been successful.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied XXXX XXXX American Express Card in XX/XX/2018 and got approval from American Express. According to the term and conditions of the card, I would get XXXX XXXX XXXX  Bonus Points after I spend {$1000.00} in the first 3 months of Card Membership starting from the date my account is approved. However, I was denied to be offered the XXXX XXXX XXXX Bonus Points after I spent over {$1000.00} within the first 3 months. I was told that it was because I applied the card before. But, in the promotion, the program did NOT indicate that applicants who had the XXXX XXXX   American Express Card before disqualified the Bonus Points. 

I was told when I called American Express Cards to complaint that the requirement that applicants who should not have the XXXX XXXX American Express Card before to receive the Bonus Points was in small print, which people would normally not be aware of. I think there would be many people like me who spent over {$1000.00} on the card within the first 3 months and was denied to be offered the Bonus Points. I spent the money on the Card, but I did not got what I supposed to get. The Company is misleading and cheating consumers.
Consumer complaint received 2018-08-04
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)

I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX  XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. My request was sent via USPS Certified Mail, Receipt # XXXX and was delivered on Tue, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Drivers License, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card, which has no expiration date, for identity and address verification. 
Also included in my request for my credit report were copies of my previously submitted CFPB consumer complaints against TransUnion that document my consistent and continued attempts to obtain my credit report, which continue to be ignored and denied by TransUnion. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Consumer complaint received 2018-08-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This is an ongoing dispute with a Mortgage Service company that is intent on foreclosing despite my good faith and will towards this company. We have remained in contact, our income and jobs have changed for much better, we currently have no problem paying either the mortgage or a significant increase for modification, and this provider continues to deny modification and uses inappropriate and deceitful practices to push forward with trying to take my home. Everytime we submit a resolution or documents they wait till the last moment to then say they did not have important signatures or something was not checked or crossed off. We need help.
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (GA)

Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX Put a negative charge on my credit report report rthey said I owed XXXX XXXX XXXX XXXX the sum of {$1300.00} They have an open date of XX/XX/2018.They failed to notify me that they were doing this and didnt give me a chance to dispute this. This same charge was put on my credit report 3 years ago I disputed the charges and was found to be in my favor and was removed from all 3 credit bureaus. It appears that nation Wide Recovery System has purchased this from some other company and put it back on my credit report