davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-13
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)

XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX ''
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all XXXX credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Consumer complaint received 2022-11-16
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-08-13
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. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I was charged a {$50.00} overdraft fee in XXXX of my checking accounts by Fifth Third. I feel that {$50.00} is an egregious amount. Furthermore, I have XXXX other checking account, a savings account, and an equity line of credit that all could have been used to cover the funds. I just do n't understand why they ca n't take the funds from other accounts that have thousands of dollars in them. Yes, I did accidentally write check and forget to do an internal transfer from savings to checking but I feel like there should be an automatic linking of accounts. According to the paperwork when I received the debit cards for the checking account the accounts are linked to my savings. I may have misunderstood the linking of accounts but {$50.00} is ridiculous especially when I have plenty of money sitting in other accounts to cover the check that was written. I also have XXXX mortgages with Fifth Third.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have enrolled START Smart savings Program ( with US Bank ) in saving Act # XXXX I reached my goal, but did not receive reward as in the ads. They say because I had receive gift card 2 or 3 years ago but their ads of my rewards is Account Credit, so they are different programs, and every month I receive statement, there was print out that says I will receive reward just continue save, during the course of last year saving I have from time to time ask the US Bank over the phone whether I can get the reward the answer was always Yes.
No one from the bank, has told me that I did not eligible for it.
I have attached the copy of the Ads and copy of my last statement
Consumer complaint received 2017-08-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2017 I called Collection agency : XXXX XXXX XXXX. I had informed the Collection agency that I do not feel that I should have to pay a debt to a collection agency that I never signed a contract for. The collection shows on both my Experian and XXXX  Credit report. I filed a dispute with all 3 credit bureaus and it has been recently removed from my XXXX credit report. I would like for the collection account to be removed from my XXXX and Experian credit report. It is very hard for me to lease an apartment or house in my name due to this account showing on my credit report.
Consumer complaint received 2017-08-09
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. (MD)

Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
Consumer complaint received 2017-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

Credit Agency : XXXX XXXX Behalf of : XXXX XXXX XXXX The initial delinquency occurred in XX/XX/XXXX however, the credit agency states that the account initially went delinquent in XX/XX/XXXX. They have falsely rolled forward the dates of the delinquency which has the debt appearing newer than it should. I have opened a dispute with the credit agency and have called them directly and they state that the delinquency was accurate but the billing submitted by the original company shows otherwise.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc. (NY)

I was contacted by a mortgage broker representing XXXX XXXX XXXX XXXX. This is the same broker who I worked with to obtain my original mortgage and a subsequent re-financing for the same property. He called and told me rates were down and I could benefit from a refi. He requested my personal info to run a credit check and got back to me saying everything looked good. He then requested we do a refi on my primary home ( original conversation ) and also on my second home ( rental property ). I told him I would be interested only if it makes financial sense for me. He assured me it would and asked for {$1200.00}. to proceed with processing. I sent a lawyer the XXXX for transferring my mortgage from XXXX XXXX XXXX XXXX back to XXXX XXXX. ( XXXX XXXX was the original mortgage holder and XXXX XXXX XXXX obtained via refi ). Several months went by when I was contacted by a colleague of his with teh refi estaimates. They were completely ridiculous. They wanted me to refi and take out $ XXXX on rental property to pay down primary mtg to obtain a better rate. The costs were approaching $ XXXX and Imy combined mtg would decrease only {$170.00} per month. They also recommended I roll closing costs into my refi package. Hence, I incurred $ XXXX more debt and reduce my monthly payments {$170.00}. I told them I wasnt interested. We went back and forth for several months before they agreed to provide a new refi for only my original ( Primary ) home. This was attractive but it was n't making any progress. After months of calling them back and emailing and texting them I was told the underwriter has declined my application due to insufficient work history. I have been doing the same XXXX XXXX work for 20 years and qualified with same persons/entity for my original mortgage and refin. I also make more money than before and have more assets than before. I told tehm I want my {$1200.00} back and they said there 's one more option - I have to wait until XX/XX/XXXX to have sufficient work history. Interested rates went up twice since original rejection notice ( XX/XX/XXXX ). This XX/XX/XXXX I submitted updated documentation and was told yesterday I was denied again - same reason. I have been doing the same work for 20 years and teh broker know of the work before this process began and has worked with me before over the past 8 years. They were 100 % aware of my work history before they requested the {$1200.00}. I also believe they wanted to set me up with a bad and inappropriate re-fi agreement and when I rejected it they wanted out of the deal with me. Loan agreement is attached. Psswrd is XXXX. This in itself should constitute a violation of some consumer protection for inappropriate loans.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (GA)

Solomon & Solomon PC stated in their response to a complaint that I submitted in XXXX 2017 that they were coding my complaint for a delete with the credit bureau 's. This account is still present as paid on my credit reports but as Solomon & Solomon PC stated I want the account deleted and I would like Solomon & Solomon to contact all 3 credit bureau 's to have account deleted. Below is Solomon & Solomon 's response from XXXX/2017. Company responded Status Company responded Closed with non-monetary relief on 2017XXXXXXResponse TypeClosed with non-monetary relief Company 's  response The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX  we have coded a delete.
Consumer complaint received 2022-11-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I am a XXXX percent XXXX veteran. I am trying to pay off my daughters student loan. The interest keeps changing and I cant keep up with the monthly payments. I pay {$300.00} a month every month. The payment is made on the XXXX th of the month. The company information is below. 

Hessa - NJclass XXXX XXXX XXXX XXXX, PA XXXX. 

Since my daughter didnt qualify for a federal loan she was forced to take a private loan. Since student federal loans are being forgiven why cant private loans be forgiven too.
Consumer complaint received 2017-08-09
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: PNC Bank N.A. (FL)

I OPENED A PNC ACCOUNT THEN PNC BLOCKED MY THAT CREDIT CARD ON XX/XX/2017 I WENT TO THE XXXX XXXX BRANCH AND SPOKE TO XXXX AND SUBMITTED THE XXXX FORM FOR THE IRS AND MY ID THEN THE NEXT DAY I CALLED THE CUSTOMER SERVICE NUMBER TO DISPUTE THE CHARGES SINCE WE NEVER USED THIS ACCOUNT AND I SPOKE TO XXXX XXXX WHO REFUSED UNDER THE FCBA TPO DISPUTE ALL THE CHARGES SINCE WE NEVER USED THIS ACCOUNT SHE REFUSED SAYING NOT TILL THEY GET THE CORRECT DOCUMENT I SENT THE XXXX AND THEY REFUSED TO ACCEPT IT SO I DONT KNOW WHAT ELSE TO DO SINCE THERE REFUSING TO EVEN TAKE MY DISPUTE FOR THE FRAUD CHARGES ENCLOSED IS THE IRS FORM THAT I SENT AND THIS IS CORRECT DIRECT FROM THE IRS BUT THIS SHOULD HAVE NOTHING TO DO WITH ME FILING A DISPUTE AND THEY REFUSING TO FILE ONE
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Utah System of Higher Education (DC)

My loan was purchased from XXXX by UHEAA, and it has been nothing short of a disaster. A number of customer service problems and servicing issues. However, the one that needs to be fixed is that my paid-up status ( approximately 1.5 yrs ) was not transferred, making it difficult for me to take advantage of employer based payments on my loans ( would fall short of the minimums ) without having to pay out of pocket. It 's now been 6 months since the purchase of my loan and they are still 'working on ' a solution that should be fairly straightforward. I did not choose to go to UHEAA, I was moved there because they purchased my loan but they are not keeping to the parameters outline when I originally agreed. They have had to put my loan in forebearance, which means I can not access the employer program ( loan must be in good standing ). I have called approx. 10 times over the 6 months to get this corrected, and still no luck. Even worse is that it is approximately 1 hr wait time for each call.
Consumer complaint received 2022-11-16
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; Medical XXXX Balance : {$60.00} ; Medical XXXX Balance : {$320.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CBA of GA, Inc. (GA)

CBA reported multiple derogratory remarks on all three credit bureaus reports about a debt with XXXX XXXX XXXX At the time of service, I had active medical coverage through my job. I should have never been charged for services while having adequate medical coverage that covered all procedures done.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Great Shoals XXXX XXXX, GA XXXX Office : XXXX Fax : ( XXXX XXXX XXXX XX/XX/XXXX TRUIST BANK RE : XXXX XXXX XXXX XXXX Debit Card Number Ending in XXXX Truist Account Number *XXXX XXXX  XXXX Dear Sir or Madam, I XXXX XXXX XXXX XXXX, the account owner of XXXX XXXX XXXX XXXX. This letter addresses the unlawful XXXX of funds from my account and the subsequent closure of my account by Truist Bank on or about XX/XX/XXXX. 



Your institution has unlawfully seized approximately {$18000.00} from my clients combined checking and savings accounts without a signed order from a Georgia judge. Additionally, this amount includes a XXXX check for {$18000.00}, made out to XXXX XXXX, who is also a signer on the account. 



The funds are essential for my familys daily needs, and the ongoing unlawful possession of these funds has caused them significant hardship. 



I would like to resolve this matter amicably and without the need for litigation. However, if this issue is not resolved within seventy-two ( 72 ) hours, we will have no choice but to pursue legal action, including filing a Petition for Temporary Restraining Order, seeking injunctive relief, and demanding a jury trial. My client will seek all available damages, including but not limited to theft by conversion, breach of contract, negligence, and associated costs of litigation. 



Please respond to this letter at your earliest convenience, ideally within the specified time frame, to avoid further escalation. 



Thank you for your immediate attention to this urgent matter. 



Sincerely,
Consumer complaint received 2017-08-11
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)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Collection Connection (PA)

A company called collection connection just sent me a letter demanding payment in full within 10 days or they claim will they turn it over to an attorney in my city. I do not owe this debt. I paid the XXXX in cash when I withdrew. They have never validated this debt. I have disputed this account on all XXXX bureaus to no avail. Not only are they threating to sue me on an account I do not owe, not validated, but its also after the PA statute of limitations.