davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have spent more than 4 1/2 hours on the phone today, trying to get let a freeze lifted from my credit report with the TRANSUNION people!! My entire day was ruined and I still have no solution. I am trying to get a refinance on my home and this is an URGENT matter. My mortgage broker was also on the line while we tried to get help, but two or three people finally got on the phone, and said they would call a supervisor because they couldn't help, but then at one point or other in their questioning, ( and I repeatedly was asked to verify information about 6 or 7 times this afternoon. ) suddenly the line would go dead... apparently they had hung up! .this happened twice this afternoon and then again twice tonight. I was trying to stay calm and answer all their questions again, but two of them had heavy accents and when I answered their verifying questions, they said my answers were wrong..twice!! 

At one point they " suspended '' my account because of the wrong answers. The questions were from 2010 where I lived and ones like that, and the way they were worded was confusing with other questions, and it was hard to even understand what she was saying! Now I have a message that '' the credit freeze service is temporarily unavailable '' No one there is able or can help... when they can't they just HANG UP!. This is preventing me from going any further with my refinance so it is URGENT. Please help. Thank you. this is atrocious behavior on the part of Transunion!!!!. They don't seem to CARE at all..when the supervisor gets on the phone and then hangs up after I explained what I had been going through., I have a witness to all of this, the mortgage broker as well. I need this refinance in order to keep my small business operating!! Please help me get this credit freeze lifted with this obnoxious, uncooperative company! Thanks you. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-05-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a check written out to me from an account holder of the Bank of America. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response!
Consumer complaint received 2023-04-18
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2019-04-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (NJ)

Ally XXXX was informed and agreed not to call or text my cell phone to discuss my loan in XXXX. From XX/XX/XXXX - XX/XX/XXXX. Ally has continually contacted my cell phone via texts and automated dialing and automated voice messages, hiding their company ID on caller ID, repeatedly changing numbers called from after i blocked the number, never once identifying themselves via caller ID. In violation of Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C.  1692d  ( 6 I have written Ally XXXX several times, It took them 2 months to respond claiming they didn't do anything wrong
Consumer complaint received 2019-04-26
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: SYNCHRONY FINANCIAL (WA)

In XX/XX/2018 I had mail stolen and the suspect attempted to open an account with Walmart/Synchrony Bank on XX/XX/XXXX. I contacted Synchrony Bank and they immediately closed the application and said the inquiry would be removed from my XXXX credit report. I contacted them again in XX/XX/XXXXwhen the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted XXXX and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint XXXX never responded to.
Consumer complaint received 2019-04-26
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. (IN)

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ECMC GROUP, INC. (NC)

I was not notified about this account for over 10 years when I finally received a letter they said it was sold or sent to collection. This account went to collection in XX/XX/XXXX and the government paid it off in XX/XX/XXXX. They said my Daughter signed for this loan while she was in college I was never notified by her school until 10 year later
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accscient, LLC (FL)

on Wednesday, XX/XX/XXXX I started receiving phone calls from nationwide recovery systems from various spoofed numbers in an attempt I believe to conceal their identity and prevent me from knowing who they were. after getting multiple calls from the same number I decided to call them back XXXX XXXXXXXX XXXX during our 4 min call I asked that they send any info they had to the address on file and that they stop calling me and anyone associated with me via any means. I was transferred to a supervisor who stated that he would note my file and send a notice to the address on file ( which I have yet to receive ) I refused to verify anything as I did not want to have my words twisted and miss construed. in spite of my request on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX the company called me from another spoofed number. I informed the rep that I had asked them to stop calling, that she was in violation of the FCRA and that I would be filing a complaint and requesting damages that I am allowed to the fullest extent of the law.
Consumer complaint received 2019-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

I complained that this company was stealing money from me by not automatically withdrawing payments from my account, as they had for years. They respondded with more lies ( stating they had tried to call us- and we can prove they did not ), and your service stated the case was closed. I paid off the entire balance after calling to see what the ENTIRE BALANCE WOULD BE ON THE NEXT DAY, and sending the check nexy day USPS. The check arrived just as it should have, yet they charged me more money as a late fee.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX remove this from my report immediately.
Consumer complaint received 2019-04-26
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. (VA)

The major threXXXX credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX  XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX  {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX  {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )
Consumer complaint received 2019-04-26
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. (FL)

Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/21, I submitted a dispute to AWA COLLECTIONS. As of todays date, I have received no response from AWA collections agency, therefore you must delete this from my credit report per the FDCPA and FCRA. If you do not, I will pursue further action to the fullest extent possible.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that I need to be removed. The inquiries to be removed are listed below : 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 2022-02-21
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. (CA)

I am submitting this complaint again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting TRANSUNION and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I was never late ( XX/XX/2021 ). Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-21
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. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IN)

Last year when I checked my credit, I found that Chase Bank has been making hard inquiries against my credit every year between XXXX and XXXX. I asked them to stop and was directed to a phone number. I thought the situation was resolved, though they never made any effort to remove any of the hard inquiries that negatively affect my credit and will continue to do so for another year or two.

I am checking my credit again, and have found that they made another hard inquiry. Chase now takes up 1/3rd of all hard inquiries on my credit and I have NEVER done business with them. I've started the process of asking them what is happening yet again, but at this point I don't have faith in their willingness to actually do something about it. 

I need the hard inquiries removed from my credit reports and I need them to stop running inquiries against my credit unless I physically sign something with them or otherwise give my consent. My only assumption is that they obtained my information when a car dealership ran my information several years ago and had multiple institutions try to get me a loan in one go. At no point did I consent for anyone to retain that data or to make yearly checks against it for any reason.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (AZ)

I recently noticed that the below fraudulent accounts were posted on my credit reports. I have never had any services with XXXX XXXX and do not own this debt. Never received any paperwork about this, no requests, nothing. Asking to have this deleted from my credit files as this is not mine. 
XXXX XXXX. 

EVERGREEN PROFESSIONAL {$4300.00} Reported balance Original balance {$4300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX EVERGREEN PROFESSIONAL Last reported Apr XXXX, XXXX {$900.00} Reported balance Original balance {$900.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (OR)

I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I had a private loan that I took out in XX/XX/XXXX the maturity date was XX/XX/XXXX. It is now XX/XX/XXXX and they are trying to collect. Under the statute of limitations in California they only had 4 years to collect and failed to do so. Additionally I filed a chpt XXXX bankruptcy in XX/XX/XXXX and that loan was discharged b/c my school lost fed funding and we were required to take private loans-this is a reason these loans can be discharged. All other private loan vendors accepted this but not navient and they are hounding me incessantly.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MA)

On XXXX XXXX my account was hacked on chime and XXXX XXXX was fraudulently transferred out of my account. I have proof that my account was logged into from another source as well as in a different area from where I reside as well as proof that changes were made to the account after being hacked into including my phone number being removed and replaced from the account. My account was also tried to be hacked into again which also have proof of resulting in a hold on the account that took about 2 weeks to resolve and get reopened. Even after providing this amount of evidence Chime bank ( XXXX XXXX  ) has denied my claim multiple times for the funds to be returned to my account. They are also in violation of regulation e as I asked for a determination letter of how my claim was concluded and no information of the location of where the transaction took place, or type of transaction was included in the determination which is a clear violation of the regulation. I am requesting help for the money I lost to fraud to be returned back to my account as this had been a very long, difficult and frustrating process