davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

Mercantile Adjustment Bureau Collections agency has been sending me repeated bills of collections for a XXXX XXXX XXXX company for the total of {$310.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX, which XXXX XXXX XXXX was trying to collect {$1000.00}. This seemed to be resolved from the XXXX XXXX XXXX XXXX XXXX but XXXX keeps sending the bill of collections. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX XXXX  XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX and XXXX XXXX were terrible to work with and basically said they dont believe me. I sent them years worth of XXXXXXXX XXXX XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (CA)

I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a XXXX  supervisor and they agreed with me that the fees and late status was wrong...
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (CA)

I write in response to an ongoing matter with XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX  a credit application was processed by XXXX XXXXXXXX XXXX XXXX without my consent to obtain a lease on a XXXX XXXX XXXX vehicle. The lease should have only been in my son, XXXX XXXX name. I wrote to XXXX legal, executive office, and Fraud Control, and received only one call back from someone named XXXX. XXXX advised me that she would be looking into this matter and reverting back with me. I did not receive any further response from XXXX or anyone else at XXXX. We have sent multiple follow up emails to XXXX general counsel XXXX XXXX, to XXXX Fraud Control, and they continue to ignore our request for resolution. 

Moreover, XXXX had locked access to this account online for my son and myself and therefore my son can not access this account to view or try to make payments, edit preferences, etc. XXXX ignores our request for resolution, and my next step is to take legal action. When I call XXXX customer service is largely incompetent and unable to assist.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
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. (NJ)

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (SC)

Never applied for Target credit card. I was told that it was applied in my name. Somehow this person have my address, birthday, ssn and even my license info. But I never received this card. I called and was told to do this.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The FCRA states that if an investigation is not concluded before 30 days, then the items in dispute must be deleted. XXXX investigation took longer than 30 days. The items have still not been deleted. This is willful noncompliance. 

Transunion received my dispute on XX/XX/23. Investigation did not conclude until XX/XX/23. 

I have been unable to get access to an emergency loan or credit after being hit by a car on XXXX XXXX due to this willful noncompliance. In accordance with 15 USC 1681i ( a ) ( 1 ) ( A ) I demand that the following be *immediately* deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX  US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXXXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT. OF EDUCATION XXXX
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2017 I took my car to XXXX tuning to get an upgrade to my exhaust system. I was advised that it would take 3 to 4 weeks to complete the work. I tried to reach the owner of the business multiple times, left several messages no answer from the company. OnXX/XX/XXXXi went to the shop and saw that there were no work done on my car. The owner was very apologetic and stated that he was unable to complete the job within the time frame that we agreed. He also stated that he would give me a full refund of XXXX USD to my original method of payment Bank of America credit card ending XXXX. 
On XX/XX/XXXX he called me and told me that full refund had been made and that should reflect on my credit card within 7-10 business days. And since then my refund has not been made. 
After waiting couple of days, I contacted Bank of America to initiate a dispute as the merchant never refunded me or provided any service or products. Bank of America has not done its due diligence to resolve this matter. I have contacted them several times and sent all the required document multiple times, but the bank of America never provided any resolution to this matter. Moreover they never provided my temporary credit for disputed charge and it affected to my credit rating and payments. This type of service is not acceptable from banking institution because the customers should not chase the banks to have their problems resolved. The last time i contacted them they were not able to find the documents which i faxed them multiple times. Finally they confirmed over the phone that they found everything they needed but till now the issues was not resolved. Such a disorganized service from Bank of America is very ridiculous and very frustrating.
Consumer complaint received 2017-12-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/XXXX I went on to my pennymac acc to make my payment and noticed that my payment for XX/XX/XXXX was {$500.00} more than the monthly payment I have made all year I called pennymac and asked them why and they told me that they had to pay more on my escrow and that they are going to charge me {$500.00} more for the rest of the year I CAN NOT AFFORD MY PAYMENT FOR XX/XX/XXXX AND WOULD NOT HAVE GOTTEN THE HOUSE IF I KNEW THAT MY PAYMENT WAS GOING TO JUMP {$500.00} THE NEXT YR THIS IS NOT MY PROBLEM AND IT NEEDS TO BE FIXED NOW!!! 
SOMONE SOME WHERE MESSED UP AND DID NOT TELL ME I WORRIED THAT IM GOING TO LOSE MY HOUSE THERE HAS TO BE SOME WAY THIS CAN BE FIXED!! 

AND THEY DID NOT SEND ME ANY NOTIFICATION THAT THIS WAS GOING TO HAPPEN!!
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C. (IL)

I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
Consumer complaint received 2017-12-29
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. (AL)

I have sent several disputes to the XXXX XXXX XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
Consumer complaint received 2021-07-31
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. (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX, XXXX I took out a mortgage XXXX. Less than a month later I was informed the mortgage company was filing bankruptcy. My loan server ( XXXX XXXX continued to automatically with draw my monthly mortgage payments form my banking account. In XXXX XXXX a new lender XXXX XXXX XXXX XXXX ) increased the amount and continued to with draw monthly payments. This continued until XXXX XXXX, when I received a letter from XXXX stating they would no longer be serving my loan. And someone would be contacting me. Months went by, without contact from anyone, yet the auto monthly payments continued. I call XXXX XXXX XXXX and was told I would contacted soon. The contact never happened, so I cancelled the auto payments. 
Four years later, XXXX XXXX I received a letter from XXXX XXXX XXXX. The letter informed that BAC Home Loans Serving LP has been assigned as server as of XXXX XXXX, XXXX. I Later received a letter from Bank of America declaring foreclosure. I contacted them, and reminded them of the lender 's ( XXXX ) bankruptcy.In XXXX XXXX, XXXX & XXXX, XXXX. informed me of a foreclosure sale. BAC offered a mortgage modification, to stop the foreclose sale of my home. I entered into the modification contract and continued to make payments. In XXXX XXXX XXXX records han no deed of trust filed by BAC. I contacted BAC to ask why. BAC responded with a letter. The letter stated the assignment of a new server XXXX effective XXXX XXXX, XXXX. I posed the same question to the new server, regarding the filing of the deed of trust. Their response, was the assignment of a new server XXXX a debt collector/server. When I contacted XXXX, I was told BAC had charged off the loan. Later, I found out that ( BAC ) Bank of America is the parent company of all of the newly assigned servers. As of today, there is no papers Releasing the Original Loan to anyone. No one can show proof reassigning XXXX XXXX XXXX as the server in XXXX, after the dismissal in XXXX. I have paid out over {$54000.00} to these people. The above mentioned have offered no documents of ownership. They have, also filed outstanding debt owed by me with all credit agencies.
Consumer complaint received 2016-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I have a loan with Navient I have been paying for almost tens years by sending in a check in the mail for the proper amount, sometimes double. The check processing company has lost checks and held checks for months and then charged me bogus late fees. I have sent in bank statments to Navient to show that they are messing with my payments but they try to say that they were never received or received late. They now say I am {$600.00} late even though I have sent in a check every month for tens years
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I 've disputed my XXXX account balance with Equifax several times since 2014 and the account was never removed due to it 's inaccuracy. In doing so, I informed Equifax that the my credit report from their company state that XXXX balance is {$0.00}, about XXXX year later it was changed to a balance of {$27000.00}. This is misstating the balance due, which is considered a violation of the FCRA and should 've been removed. 

Also, I contact XXXX about it 's inaccuracy, wherein they state that accurate account information has been reported to Equifax. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

This past week XXXX dealership I went to purchase a car submitted my credit report without my approval to some banks. I only authorized them to contact XXXX and they took it upon themselves to try to get me approved at another dealership. By law I have a right to chose what bank I want to do business with. 

These inquiries listed below should be deleted ASAP. I may also sue the company who had these pulled. 


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, 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 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
1-Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility 2-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



3-Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00}
Consumer complaint received 2017-12-31
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. (CA)

EXPERIAN : Is refusing to remove " Fraudulent Inquiries '' from my credit report, after I provided them with ; FTC Report, Police Report and proper ID. 




Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-31
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (NJ)

On XXXX XXXX, 2017 I gave XXXX and this was unable to work at the time until I resumed work two months later. I had spoke to sallie Mae informing them on the matter that I am on XXXX leave and unable to make payments at the time. They stated not to worry and that I will be placed on a deferment. I never received any emails or phone calls until about the second week of XX/XX/XXXX constantly giving me phone calls and I didnt get paid my first paycheck until XX/XX/XXXX. I then spoke with sallie Mae again saying I can enroll back in auto debit and then I made a payment and XXXX from sallie Mae told me my account was current and that if I make a payment it wont be reported to XXXX or affect my credit score. I received an email saying it did and I am very flustered because Ive been working very hard to improve my credit score as you can see all my accounts are in good standing. I would like to purchase a home in the near future so please help me in removing this error. I am currently working full time and am ready to make payments again. Just because I had a XXXX  doesnt mean I should get punished.