davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (AZ)

I am unable to log into edfinancial.com to check my student loan SAVE approval and loan balance. I have been trying to log into the website for over a month to begin payments. 

I get sent to the following page : Error We're sorry an error occurred. 

Please come back later and try again.
Consumer complaint received 2020-01-18
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

fcra and ftc violations,15 u.s code 1681 e ( b ) -accuracy of report, 15 u.s code 1681 i- investigations,15 u.s code 1681 i ( 5 ) ( a ) ( i ) - account deletion, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} 15 u.s code 1681 e ( b ) -accuracy of report 15 u.s code 1681 i- investigations these addresses are not mine 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 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

In XX/XX/XXXX, I applied for the SAVE program via StudentAid.gov - per the application, my new loan payment was going to be $ XXXX for 10 years, then the balance forgiven ( I started paying back the loans in XXXX ). The application was submitted directly from StudentAid.gov to Aidvantage ( the servicer ) that same day, and I also printed a copy and physically mailed it to Aidvantage that same day ( as I've had issues with Aidvantage in the past, I was making sure they got a copy ). 

Over a month passes and they state they don't have anything from me regarding SAVE. So I uploaded, direct to their website, my application and supporting documents ( everything they were mailed physical copies of ). 2 weeks go by and they state they got my tax info but not the application ( and yet, when I look at the upload part, it shows the tax info AND the application were both uploaded ). I upload just the application again, and 2 weeks go by and now they say they don't have my income information ( the tax forms, which they claimed to be the only thing they had before ). 

They are showing I owe them {$340.00} as a monthly payment. I've reached out multiple times with no success. I don't have time to wait on the phone for hours, and per others in the same boat, you can call and get info from one rep there, and call back and another rep will give you vastly different into. At this point it seems they are wanting people to pay amounts much higher than they should, and they are going to claim they have no info on why they are wrong. ( a document I got XXXX weeks ago says that my $ XXXX balance - from an original $ XXXX loan that I paid 10 years on - will end up costing me $ XXXX when it is paid in full in XXXX ). 

Why are they trying to collect payments when their own system is completely wrong?
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (VA)

AMERICAN EXPRESS IS REFUSING ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AND THE XXXX  XXXX  XXXX   CARD WITH XXXX. 

AMERICAN EXPRESS IS REFUSING TO MAKE THE PROPER PAYMENT TRANSACTION TO XXXX  REGARDING THE FEE OF THE ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AGREEMENT DUE TO XXXX. XXXX XXXX XXXX INCOME WITH SOCIAL SECURITY.
Consumer complaint received 2019-07-31
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. (IN)

I am a victim of identity theft. I requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Consumer complaint received 2020-01-17
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)

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. This account has to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : XXXX XXXX Transunion
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2023-10-05
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. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with XXXX, XXXX and equifax. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (NY)

I came home and in my mail was a credit card that I didn't apply for. 
When I called the company they would Not give me information on the card. 
I have an account number but they kept asking for my social security number and date of birth. 

The company is called Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I still have no idea when the account was opened or if thete is an account. They will not give me info. 

I have an account number on the card but they say they can't get my info even with an account number. 

Thanks for your time. I hope I filled this out correctly XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XXXX XXXX and XX/XX/XXXX, I deposited {$500.00} at Bank of America ATM XXXX XXXXXXXX attached to the Bank of America building at XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 

I failed to take a receipt when I made the deposit. 

This {$500.00} payment was never credited to my account. 

The original credit card account number is different from the current account number. 

I want BofA to credit me with {$500.00} on my current credit card account. 

Within 5 days, I called the customer service number on the back of my credit card. I called them back several times. They checked my account several times and told me several times that no {$500.00} deposit had been credited to my account. Eventually, I realized they were of no help. 

One of the bank building managers told me to contact the ATM division. All communication after XX/XX/XXXX was with this division. 

Except for one communication by fax, all communication with the BofA ATM division was by phone.

After each of several phone calls requesting the ATM division for help, I received a letter from BofA telling me the bank was investigating my claim or requesting more information. I may have made some calls which were not followed up with letters. BofA told me I had told them the exact date of the deposit. This was impossible as I did not have a receipt and did not remember the actual date. I always gave a range of dates. They asked me repeatedly for a copy of the receipt. I told them repeatedly that I did not have one.
The following is a list of letters from BofA by date and case number. 

XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX # XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX The letter of XX/XX/XXXX is particularly interesting because they ask me for the following information followed by a blank page. 

The letter of XX/XX/XXXX informed me of a {$500.00} deposit. I never made such a deposit. I never claimed to make such a deposit. 

The following XXXX letter denies such a deposit was made. 

I have spoken to the following people : XX/XX/XXXX XXXX ATM division XXXX or XXXX ATM division XXXX XX/XX/XXXX XXXX ATM division XX/XX/XXXX XXXX ATM division ATMs have cameras. BofA could search the photos to find my likeness and determine a date of deposit from that. I probably made only one or two trips to the ATM during the time period I have determined when I made the deposit. BofA has never asked me for my picture.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and TransUnion failed to conduct a reasonable investigation and in a timely manner when i disputed the information. 
1. Date of Last Activity according to TransUnion is XX/XX/XXXX and according to XXXX is XX/XX/XXXX furnishing inaccurate, unauthorized and incorrect information. 
2. Date Opened according to TransUnion was XX/XX/XXXX and according to XXXX XX/XX/XXXX again furnishing inaccurate, unauthorized and incorrect information. 
3.Account Charged off as bad debt Dispute resolved ; reported by grantor whereas Account was in dispute- now resolved - reported by subscriber.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I applied for loss mitigation help and I was refused. I dont understand how my mortgage went from {$140000.00} to {$310000.00}. There were many payments missed during the housing crash but I dont understand how a company can add {$170000.00} to a loan because of missed payments. The property is worth {$120000.00} and they say I owe {$310000.00}. There has to be some kind of inflated number that Im missing here. This is just not a smart investment anymore. I know that Im just a number to them but if this house goes into foreclosure then someone will get it for probably {$75000.00} and we both lose. Id like to work with my mortgage company directly but SPS ( Select Portfolio Servicing ) will not allow me to. I dont understand why a mortgage servicing company has the right to tell you that you cant talk to your mortgage company.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''
Consumer complaint received 2019-05-23
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: Checkr, Inc (NV)

CHECKR IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT WHICH STATES Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ATTACHED IS A COPY OF THE FAIR CREDIT REPORTING ACT. NEVADA REVISED STATUTE 598C.150 states : NRS598C.150Purging of information from files of reporting agency ; disclosure of purged information.A reporting agency shall periodically purge from its files and after purging shall not disclose : 1.Except as otherwise provided in NRS 463.334, bankruptcies whose dates of adjudication precede the report by more than 10 years. 2.Except as otherwise provided by a specific statute, including, without limitation, NRS 463.334 , any other civil judgment, a report of criminal proceedings, or other adverse information, excluding a record of a conviction of a crime, which precedes the report by more than 7 years.

CHECKR has previously conducted background screenings for other employers and has submitted CLEARED results that didn't suggest careful consideration be taken. ATTACHED ARE ALL DOCUMENTS SUPPORTING MY CLAIM/DEMAND THAT CHECKR REMOVE THE NEGATIVE ITEM FROM 2004 AND SUBMIT THE SAME INFORMATION TO XXXX AS THEY DID TO XXXX AND XXXX.
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (CA)

This is the second time I have complained about this account being on my credit. 

I enrolled in XXXX XXXX back in XXXX or XXXX of 2018. I did a few assignments on introductory to high school and cancelled. I guess that didnt matter when I stated in my last report that I had canceled and they straight up lied saying that I hadnt canceled. 

I started receiving phone calls DAILY, two or three times a day saying that I owed money to them. I did not take or finish any courses at all. It was only the first part of introduction to high school. 

This should not be considered a student loan because money was not distributed to me to pay for anything like books or whatever else a student loan would cover. I have complained before about this companys shifty policies and I know that Im not the only person that has had an issue with them. 

I have been working slowly on my credit and take full responsibility for the credit that I do owe. However, I do not owe XXXX XXXX {$1300.00}! I dont owe them anything! I am not paying {$1300.00} for an introductory course to High school. That is just ridiculous! 

For one I logged into my account with them for the first time since canceling and the number do not match! My account with them states that I owe {$1000.00}. As I stated before I dont owe anything as I did cancel. 

I humbly ask that this be removed from my credit from all 3 Credit Bureaus and ask that this company is looked into for their shady policies and tactics. 

I will be attaching screenshots from my XXXX XXXX account and also filing a complaint with the XXXX yet again.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of XXXX XXXX XXXX, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that XXXX XXXX XXXX reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that XXXX XXXX XXXX values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have Capital One Venture One Visa card. 

There is a number on the back of the card to call. 

When I call that number after going through all the prompts the automated system tells me the wait is more than 20 minutes. I don't have 20 minutes. I have no other way to communicate with Capital One. 

Please help me be able to communicate with them with out spending an unreasonable period of my personal time. I am not their employee. They do not compensate me for my lost time.