davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (NJ)

Most of the student loan on the account are closed. Most of the account are more the. XXXX years old. The account was closed after more than 11 years being forced into forbearance due to poverty level and Navient sky rocketing interest rate. The student loan that is XXXX XXXX XXXX that trade school filed bankruptcy and have not been around for more than 10 years. 

I was told that after 10 years of forbearance and shut down of school or college, the student loan account are closed and dropped from your credit report. On XXXX it shows the account is closed why not XXXX.
Consumer complaint received 2022-01-13
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2024-10-18
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. (CA)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (VA)

Scammer contacted me by email about a job opportunity as a personal assistant/payroll clerk. I accepted and for the first assignment, he wanted me to deposit a check that he sent me through mail that contained {$3800.00}. I deposited in my bank account and he wanted me to withdraw it in the form of a cashier 's check to transfer it to a XXXX XXXX account that he gave me. He said he was going to pay me for doing the job but instead, the next day the check that I deposited came back as fake and I had to pay {$3800.00} for it.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Webcollex, LLC (NV)

I made a settlement to CK Financial XXXX XXXX XXXX XXXX, VA XXXX phone Toll-Free XXXX phone Local XXXX send Email XXXX I made a settlement of {$200.00} which was accepted on XX/XX/2021 but the collection agency put on my credit report that the {$200.00} was used as a payment.
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is showing a late payment on my credit file for XXXX XXXX XXXX XXXX XXXX account # XXXX in XXXX of XXXX. Also TransUnion is showing a late payment for XXXX account # XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-01-13
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: NAVY FEDERAL CREDIT UNION (LA)

I WAS OFFERED AN SETTLEMENT AND IT WA SSUPPOSED TO BE REMOVED OFF MY XXXX ONCE PAID. I PAID AS AGREED AND THIS DEBT IS STILL SHOWING ON MY CRDIT FILE WHICH IS HIDERING ME TO OBTAIN CREDIT.
Consumer complaint received 2022-01-13
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. (FL)

Equifax removed my mortgage name XXXX XXXX  XXXX Mortgage account number is XXXX from my credit report by mistake need to be added back on, and refuse to correct the spelling of my name. See copy of my mortgage statement and Driving License to update my informations. 

CREDIT REPORT/myEQUIFAX saying about my mortgage account : Mortgage Accounts Report Date : XX/XX/2022 Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off. 
You currently do not have a Mortgage Account. 

If you have had one in the past that you paid on as agreed, but have since closed or paid off, it stays on your credit report for up to 10 years since the last activity date.
Consumer complaint received 2022-01-13
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: Global Asset Agency, Inc. (TX)

On XX/XX/2021 I mailed a debt validation letter via certified mail with a return receipt, tracking number XXXX, to Global Asset Agency due to the company reporting an erroneous account on my credit profile. Upon further inquiry, the address listed on my credit report for the company is none other than a Virtual Mailing address and that this company has failed to be available for delivery of my mail piece to sign for the return receipt. This company never attempted to contact me and has never made any contact by mail. This company has not provided proof that this erroneous account belongs to me. They illegally place an erroneous account on my credit profile. Attached to this complaint is my debt validation letter sent to Global Asset Agency pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2022-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Hi, My account has always been set on autopayment with funds being drafted automatically monthly. Something happened where the account was no longer being auto paid monthly that was unknown and unannounced to me. I always assumed that I was making monthly payments. 

It was not only when I was trying to buy a house did the lender notify me of this situation. I immediately paid off all late fees and put the payments back on monthly autopay. Pen Fed ( my heloc ) would not remove the late reports.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDMAN SACHS BANK USA (FL)

I purchased 2 apple gift cards one for {$200.00} and one for {$500.00} at XXXX. Scammers already had the gift card info somehow cause i guess thats what scammers are doing and they took the money as soon as it was loaded. I dat at XXXX for an hour and a hslf and called apple while i was there and they said i have to call the bank and report fraud to get my money back. They also said to file a report with you. XX/XX/2022. My name is XXXX XXXX. 
Contact XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IN)

I have marvelous been improving my credit score over XXXX past in six months, only to find out that I have been screaming to remove Chase Bank vehicle loan on a XXXX XXXX XXXX, from a head-on accident in XXXX, no fault of mines! Progressive ins paid out covering me till defendant paid! But, Gap company breached contract never paid, but Chase contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w Chase bank esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the Chase banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX Special Team, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Consumer complaint received 2022-01-13
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX XXXX XXXX XX/XX/2017 {$0.00}.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

CHASE BANK has discriminated against me and closed my account unlawfully. I have been taken advantage of by CHASE BANK. They did not have actual, implied, or apparent authority for such use when it came to closing my account and I did not benefit from their actions, which is a violation of the Truth In Lending Act. My Credit Card was opened under an open ended consumer credit plan, which means the account was paid in full upon the opening of the account. Therefore, they have taken my funds and closed my account without my authorization. Their cardmember agreement has violated federal law by furnishing deceptive forms and deceiving me ; the consumer. I demand that CHASE BANK reopen my account after violating my rights as a consumer and stealing from me by withholding the funds I've transferred to them through the extension of my credit.
Consumer complaint received 2015-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (OH)

A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

I moved out of my apartment, The XXXX managed by XXXX on XX/XX/XXXX. I overpaid them by {$620.00} because the office staff would not tell me the total amount owed before rent was due on the 1st and I did not want to make a late payment. After the final walk through where NO damages were found, they told me I would receive a refund within 3 to 4 weeks after moving out. When I did not receive a refund I called the XXXX apartment office multiple times and no one answered. I left multiple voicemails. I then contacted my bank, XXXX XXXX, and sent them the documents showing the amount I owed the XXXX apartment for XXXX rent and my bank agreed I was owed a refund. My bank tried contacting them multiple times over a period of 90 days. At the end of the 90 days, my bank refunded me the {$620.00} that I overpaid. XX/XX/XXXX at XXXX a debt collections company called me from XXXX and said that I owed the apartment the {$620.00} that my bank refunded me. I explained to them the situation and that I did not owe the money and that they could contact the bank who legally refunded me since the apartment did not. They claimed that it was " my opinion '' and demanded to know what documents I had to support that proof. I told them I had documents from the XXXX apartment stating how much I owed and they completely ignored me and kept stating it was " my opinion and not fact. '' The same debt collections company contacted me again on XX/XX/XXXX at XXXX and then again on XX/XX/XXXX at XXXX harassing me, demanding to know why I hadn't paid it yet. I explained to them multiple times that I did not owe the apartments any money and that the apartments are committing fraud by claiming the money as debt. I also told them to stop harassing me. Today I found out that they reported it to the credit bureaus and it went against my credit history. After disputing this with you I will be filing a complaint with the attorney general 's office for the fraud they are committing.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (SC)

I received several emails from BB & T regarding an open account, which I did not have. I spoke with the fraud department and they told me it was taken care of. I stopped receiving emails. I then received in the regular mail personal checks from XXXX XXXX  with my information ( except maybe suspect 's cell number ) on them. I called the police who filed an identity fraud report. Today I received 2 notices from XXXX XXXX, debt collectors for 2 accounts, one from SunTrust and one from BB & T ( which have now combined to become Truist Bank ). I have tried calling the fraud department for Truist Bank and never spoke with anyone because everytime I am on hold for over 30 minutes. I ordered a XXXX XXXX  Report and saw Truist Bank on the report with my social security number from XX/XX/2021, which lines up to when I started seeing the emails from BB & T.
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

I received information from AMSHER COLLECTION SERVICES attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!
Consumer complaint received 2022-01-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Makes Cents, Inc. dba Advance.Cash (SC)

Spoke with XXXX XXXX from location services this morning at XXXX XXXX  and confirmed identity. XXXX proceeded to phone my mother and call and leave a message for my brother after the phone call to me. Both reference legal proceedings and XXXX county courthouse. My mother and brother contacted me worried about what is going on. After calling the court house and checking the dockets there is nothing with the court and the sheriff perfects service. I spoke with XXXX at XXXX, the company phone number the provided me with, and told them three times to stop contacting my family. XXXX  refuses to acknowledge this is on behalf of them. I dont know what more to do. They need to leave my family out of this and stop lying about court proceedings and documents that were filed.
Consumer complaint received 2022-01-13
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. (CA)

Experian is reporting XXXX  XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from paying on time one month and then the next month being 90 days late. Experian has been reporting inaccurate information for the last 12 months.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more Experian Data XX/XX/2022 XXXX XXXXr XXXX See all 3 Bureau XXXX XXXX Credit Usage 89 % Total Debt {$160000.00} Open