davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported twice on XXXX credit report )
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SD)

I keep getting debt collections calls and texts for someone who had my cell phone # at least 5 years ago or longer. 
I do not know who this person is and this harassment is endless! 
Obviously he got a different # so he could avoid these calls. 

When a new cell is purchased we are not given a choice on the cell # we receive.
Consumer complaint received 2019-07-19
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

This is the XXXX time I have submitted a complaint about applying for the Apple Credit Card, GM Rewards, and GM Business Rewards. Every time I apply I get a message to upload my driver 's license, I have been doing it. After several days I got the same message : Unable to verify identification information. I have been calling and calling and they don't tell me what this message is about. As I understand is that they can't verify my driver 's license. I keep uploading the same picture because is my driver 's license. I don't know what else to do and they are not giving me any more information. In the last XXXX complaints, they have responded the same, that they found some red flags but they don't tell me what, they haven't called me or anything. I need an explanation as to why this is happening, I will also upload a picture of my driver 's license. I will also include a picture that they are approving me.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

Hello! 
I have a direct unsubsidized consolidated loan through US DEPT OF ED. I am eligible for PSLF and have submitted my ECFs on time every year. I should have 30 qualified payments but Fedloan has only 15 counted. I called them on XX/XX/XXXX and was told my account was under review. I called again XX/XX/XXXX and nothing had been changed. I called again today, XX/XX/XXXX and they have not updated my count and have no timeline to do so. I would like to qualified payments updated since I have done my job by submitting my employer information each year. Thank you!
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified  accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX  XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR :  XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

On Tuesday XX/XX/XXXX I XXXX ( send money through an app ) to Chase Bank to cover pending charges. My XXXX money was pending clearly showing on my statement with the bank and one hour before my XXXX was to be deposited Chase then charged me an overdraft fee when clearly seeing that XXXX was going to be posted within the next hour. On XX/XX/XXXX I XXXX another {$20.00} to cover another transaction again my {$20.00} was pending and an hour before it was to be deposited Chase charge me another {$34.00} with a grand total of {$68.00} in 48 hours. I tried to call the bank and discuss this with them letting them know I'm a XXXX patient on Social Security XXXX SSI with an income of {$770.00} a month and any kind of fees would hurt me tremendously with my medication throughout the month they did not care. As I explained to Chase Bank on my Chase Bank app it clearly shows that my money from XXXX was pending to be put in there and that it clearly shows that they charged me an overdraft fee right before my XXXX money was to go in to cover pending charges. The charges had not even went through. I have been with Chase for 15 years and I've already closed one checking account and I would like to stay with them if they can work with me but if not I will close this account as well. I would like for somebody to help me with the situation because this is a big Bank charging big fees for nothing they clearly saw that I had money coming in there to handle the pending charges that had not even went through yet.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I had an account through Best Buy with citi bank. I opened the account XX/XX/2016, the account was suddenly closed in XX/XX/2016. I did not know why. I couldnt use the card, I couldnt access my online account and I was denied information over the phone. After a few months, around a year I was able to speak with someone who allowed me to settle the debt over the phone once it hit my credit. I am in the middle of trying to purchase a home but this account is hurting me. They told me this account was reporting late payments just a few months ago. This account was CLOSED in  XX/XX/XXXX, even if the balance hasnt been paid off how are payments late on a closed account? After hours of speaking to customer service yesterday I was told that the owner of the account was deceased. I am not deceased. They told me they closed my account under error and that the account details say Im deceased. They said they would re open the account but I need the late payments removed now so that I can buy a home. 

After all of this, I cant even get a credit card statement from customer service because I am listed as dead. So I can give no proof to my lender. All customer service ended up giving me was an address to mail my situation to. I need this resolved now! Not in 30 - 90 days!!
Consumer complaint received 2019-07-19
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. (OH)

Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

Arvest has been consistently messing up on the account numbers associated with our account and not processing payments. We have had checks returned with insufficient funds and automatic transfers not go through. They continue to assess us fees for this, even though it is their fault, and are demanding we pay the mortgage over the phone for a {$10.00} fee or they will report us to crediting agencies and hurt our scores. The fault is with Arvest, not with us, and they are illegally trying to get an additional {$10.00} from us for our mortgage payment.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/19 I noticed a collections agency had appeared on my credit report, by the name of Transworld Systems Inc. When I became fully aware of them I called them to see what business I had with them? They stated I owed them money for a XXXX from another company ... ... I told them I don't owe any debts, I have no collection accounts on my credit report. I also asked them, if we had any business between us and can they provide proof I have a legal obligation to pay them? I sent a debt validation letter to them by fax and informed them they had 24-48 hours to remove this item from all three credit bureaus. As of XX/XX/19 the item is still on my credit report and I called them. I spoke with a man by the name of XXXX XXXX and he confirmed they received my debt validation letter. I also informed them at the beginning of our conversation all calls were being recorded. I was transferred to a supervisor by the name of XXXX XXXX and he tried to inform me it's a process in order to get this item removed or not. I became very upset and informed them I have no business with Transworld Systems Inc. They are trying to ruin my credit and they know we have know business with one another. I also informed them once again they need to remove this item from my credit report ASAP!!! I made them fully aware of me, making this the report as well. They are crooks and try to collect money not owed!!!!!!
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (VA)

I requested my Equifax free credit report online on XX/XX/2019 on XXXX : XXXX. Equifax will not allow me to get my report online, so I have to fill out a paper form and mail it in each year. Presumably this is because I have a security freeze on my account because I am a victim of ID theft. However, neither XXXX nor XXXX require that I fill out a paper form. Requiring that I send them a paper form, even though I have provided all needed info online, puts me at risk in two ways : 1 ) it opens me up to loss or theft of still more info by requiring me to send in a paper form with documentation, and 2 ) it provides Equifax with still more personal info about me because they require identity and address documentation. I should not be " punished '' and exposed to increased ID theft simply because I have a security freeze on my account.
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (OK)

On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Equifax certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (UNITED STATES MINOR OUTLYING ISLANDS)

Navient keeps calling me everyday. I had to look them up to find out what they were. I told the person I have no student loans. I confirmed my name. He insisted that I give them my social security number over the phone ... .I WILL NOT DO THAT! I even asked them to tell me my last four digits to confirm them ... .he refused. He will not take me off their list. I asked for a supervisor, he says he tried but they are all busy. I bet they are! 
He mentioned a university or college I have NEVER heard of ... that did not phase him. He mentioned an address supposedly for me that I have NEVER heard of ... that did not phase him either. 
If they are legitimate, why are they operating this way? I said send me a letter stating what you want because I am not giving out any information over the phone ... no response to that. 
I will say this also happened a few years ago, I asked them to stop and after a long while they finally did. But they have started up again. Any student loans I had were paid off long ago -- a fact that is verified on my credit report. 
I want this company to stop harassing me and all other innocent people!
Consumer complaint received 2019-07-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (SD)

I had attempted to make a payment online, realized I paid the wrong amount, so I called they said they couldn't get online to cancel it I had to go through my bank. Went through my bank to cancel it. They said they would call me back the next day. No one called. 2 days later they send an email. So I immediately call. He said my manager listened on our call and was able to stop the payment then proceded to tell me how much they took out. I said you never called me back to get my consent on that amount and I didn't have that amount. I asked to speak to a manager who yelled at me and told me since I put my information online that they can take out whatever they want. I said that has to be illegal. He said no, he screamed at me said I'm not a customer and im not gon na tell him what to do. I asked if I can hear the recording. He said he would email it and never did.
Consumer complaint received 2019-07-19
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. (PR)

On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with XXXX and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called XXXX to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements
Consumer complaint received 2019-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: DISCOVER BANK (CA)

You did not offer the the question I really needed. I never did business with this company. At the time they stated I applied for the loan I was dealing with a sister that was XXXX of XXXX. On some of my credit reports they state I owe them over XXXX dollars and its a charge off. Then on other reports they are saying that they charged off a little over XXXX dollars. I am a victim of identity theft because a lady squatted in my house and stole my identity, including filing income taxes under me. This is a complete nightmare for me, and is really hindering my XXXX, because I am a XXXX XXXX XXXX veteran. I tried to move, and this came up on my report. I have a police report showing that this person squatted in my home. I need help because where I live right now is to dangerous. I also found out through research that this company goes under three different names. For example I went to a bank to start a savings account and she stated I owed them for a credit card, I stated I never had one with them and she for my address and she said that was not the address.