davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MI)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Employers : XXXX XXXXXXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (MD)

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following account and public records listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

On or about XX/XX/XXXX I requested an increase of my credit limit to {$20000.00} on a credit card I have had since XXXX of XXXX. This request was denied because of a credit freeze on my account. The date of the notice from my XXXX XXXX was XX/XX/XXXX, account number assigned was XXXX. When I was submitting the request through XXXX on XXXX I was told the credit agency was XXXX. I immediately tried to login to my personal account with them, an account I have had since the early XXXX 's when a breach had occurred and I was offered the freeze capability. Since that time I have used the service quite often, temporary specific account, etc. 

When I attempted to login I was told that my login ID was an invalid email address. That address was XXXX that I had established through my XXXX when I lived in XXXX XXXX, AZ. When I moved to XXXX XXXX  I terminated my relationship with XXXX because of coverage. XXXX has advised me that I needed to keep the address active but without a login to them it was impossible. Earlier this year XXXX terminated my email account. 

A secondary issue complicated the matter because of a cell phone issue with my current carrier, XXXX. They refused to transfer my cell number and deactivated the cell number. 

These XXXX issues make login to my XXXX account impossible and complicates any attempt I might make to delete the previous obsolete login and establish a new account with them. I have since found exactly the same issue with both Experian and XXXX. In fact, all XXXX agencies have now added a security freeze on top of the credit freeze. I have not attempted to obtain a copy of my credit report but I believe the request would fail. 

As it turns out my wife has exactly the same problem caused by the exact same issue. She has tested her access and had the same result.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX appointment XXXX, a check for XXXX was deposited into Capitol One account via mobile deposit as there are no Branches in the State I reside in. Immediately recieved an email stating the check was recieved. The recieved additional email stating funds would be held until XX/XX/XXXX, there is a weekend between these dates. After 24hr none of the funds were release, after 48 hours none of the funds were released. Contacted Capitol One to ask for partial release and was informed they do no do partial release on the type of hold they had on my deposit. Asked for reason for hold they just said due to the amount that was there standard hold. Spoke with supervisor, reason given was they had not recied the funds or response from the other bank and would hold for that pending information. Again asked for partial release and was advised due to the type of hold they could not release any funds, asked again what the hold was for and again no reason could be given other that that's just the type of hold.
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

At the beginning of the year, my loans were being service by XXXX. I was told repeatedly I had to recertify by mid XXXX or my payments would increase. I submitted an application to change to the XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, It was announced that income recertification for XXXX would be pushed back until XX/XX/XXXX. I called XXXX on XX/XX/XXXX at XXXX to cancel my application to switch my plan. I was told the application would not be processed. On XX/XX/XXXX, I received notification that my application was processed and accepted despite being previously told it was cancelled. My payment went from {$99.00} up to {$2100.00}. I sent a notification to XXXX on XX/XX/XXXX ( attached ) stating that this was done inappropriately and I would like to be reverted back. I never received any reply regarding this specifically only an auto generated response stating my account was deliquent by 2 days ( which it was not as I was on auto pay at the time- a screenshot of this is also attached ). I followed up by called XXXX on XX/XX/XXXX at XXXX and spoke with XXXX XXXX She stated my account would be placed into forebearance and she had filed an internal XXXX  to have my plan reverted back. I called to check in this on XX/XX/XXXX and XX/XX/XXXX and both times I was told it was still in process. I had administrative forebearance extended until XX/XX/XXXX. I received notification that my loans would the transition to Ed Financial beginning in XXXX. I attempted to reach XXXX regarding this issue again prior to transfer without success. Once my account was fully transferred I spoke to a representative at Ed Financial on XX/XX/XXXX regarding this matter. She stated that she would have to escalate this and a supervisor would be calling me within XXXX hours. I never received a call back. I called again on XX/XX/XXXX at XXXX and their dedicated loan XXXX team would be looking further into this and I would have information within XXXX business days and they would call me directly. This never occurred. My most recent conversation occurred on XXXX. I let them know I never received information or a call back from either encounter. I was told XXXX still has not sent them detailed information from my transferred account so they are still unable to assist. They also stated they are unable to place me on administrative forebearance at this time. XXXX has not supplied them with the information to rectify this situation and Ed Financial is unwilling to place an administrative forebearance on my account while this is investigated resulting in my current balance ballooning every month. I have made my previous payment amounts from my original payment plan out of good faith. I am unsure where else to turn to rectify this.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentia

lity under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause
to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (NC)

Contact M & T bank last XXXX to tell them the home is being torn down due to its age. Was told to send in documentation. I did so after the house was torn down and insurance was canceled due to there no longer being a home to insure. After XXXX sent the documents showing the insurance was canceled I started to receive letters about them going to force insurance if we didnt place insurance back on the home. I called XXXX, XXXX, XXXX and sent in documents they requested to show the home was no longer there and I couldnt get insurance on just land because there is no insurance that will cover just land with no home or anything. They then still proceed to force insurance on a home that isnt even there. They double our payment due to the insurance being 3 times as high as what we paid when there was a home there. I have been unable to get the forced insurance removed even when showing city documents that the home is gone and no water, electricity, sewer is all closed off and capped per the city. Even tried to send pictures of the property showing you cant have insurance on a home that isnt even there its only land. How are they forcing insurance on a home for XXXX if there is no home? I was told they didnt care over the phone and they could force insurance even though there is no home there. Our payment has over doubled due to this. I can provide the others dates of documentation was sent in if you need.
Consumer complaint received 2024-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

XXXX XXXX store credit card phone XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Used store credit card end of XXXX or early XXXX. Paid the bill of {$22.00} on XXXX XXXX with money order company, money order was cashed.Received bill for {$50.00} in late fees in end of XXXX XXXX even though the bill was paid on time and money order was cashed.Paid the late fees on XX/XX/XXXX to stop it from affecting my credit while I tried to resolve this.Today ( XX/XX/XXXX ) received another bill from XXXX XXXX saying bill was not paid-this after paying the original {$22.00} on time and {$50.00} in late fees so I can resolve this.I paid this bill on time-they continue to pile on late fees many times the cost of the original bill even though bill was paid on time.I am starting to believe they are doing this because I am a XXXX citizen and they believe they can get away with it.
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shepherd Outsourcing, LLC (CA)

I was on the phone with Shepherd Outsourcing and I expressed concerns about whether or not this was a legitimate phone call because the number who was calling me was different from the number listed on their website ( common tactic apparently ). After expressing my concerns, the supervisor who was on the line said, " Sir I know everything about you, your social is *** ** **** and your current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX She said both my social security number and home address out loud in a call center where other people could hear and possibly compromise my identity. With this information, someone can easily compromise my identity. In my entire life, I have never heard a company verbalize my full social security number. Most companies say, " can you please verify the last 4 of your social security number? ". But not this agency. This agency decided to play by their own rules and make me extremely uncomfortable as a consumer. I want a phone call apology. I want to know that this will not happen again and that the agent knows they are in the wrong. I am sick of how this company treated me. I paid my debt off with them and they still won't apologize for potentially compromising my identity. Please let me know next steps. Thank you, XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company ()

i received a loan for {$2000.00} dollars on XX/XX/year>. i was to pay {$34000.00} every XXXX weeks. i paid XXXX payments of {$340.00}. I paid off my loan on XX/XX/year> with a payment of {$1800.00} as this is what was shown as my loan payoff on there site. Fineday funds still debited my account for {$340.00} on the XXXX of XXXX. I have emailed fineday funds showing them their app and site showing i had a {$0.00} balance twice. i emailed them and showed that the their site shown i had no payments left and the loan was paid off. I have called 3 times snd asked to be reimbursed, but was told i only paid my loan down and i still have to make payments. i have paid off my previous loan with fineday funds early and the exact same way, but this time they say that i still owe money and they will continue to debit my account. I have no choice but to file this complaint and hope that i can stop my account from being debited and get my money back.
Consumer complaint received 2024-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX  and hackers gained access to my Bank of America account. It between the thousands of emails I did notice one from BoA stating that some account info had been changed. I immediately called BoA and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by BoA for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and BoA would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with BoA and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by Bank of America.
Consumer complaint received 2019-06-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I attended the XXXX XXXX of XXXX from XX/XX/XXXX XX/XX/XXXX. I took out student loans to pay for tuition that I was consistently mislead and overcharged quarter after quarter, not realizing at the time because I trusted my financial advisor. I paid over {$2500.00} a month as well as taking out student loan and grants that I was not being informed on.I was given false information regarding these loans as being led to believe they were grants and not having to pay them back as well as paying partial tuition up front, ( cash ). I was also misleading on the entirety tuition cost as a whole. 
The XXXX XXXX promised its graduates MANY things that were never attained post graduation. I was told graduates would be placed in an industry-related job after graduation, and that did not happen. I had no help whatsoever with my job search after I graduated in XXXX. I was also promised prestigious, industry focused internships throughout my time at the XXXX XXXX of XXXX. This did not occur. The professors who had the industry connections did not assist with finding students internships. I found all of my own internships and externships with no assistance from the Institution. I now have over {$85000.00} in student loans that are not valid from an institute that has completely closed down, Nation wide and I can not do anything with this company, AES ( American Education Services ) because it is considered a private loan. So, I can not request a borrowers defense exception for the {$19000.00} that AES is requesting I pay them. 
I want this company to work with me and see this {$19000.00} student loan went to a fraudulent Institution that is no longer in business and I can not get a Job in my field of study. Therefore, I can not - and should not be held responsible. 
I am tired of the calls, threats from this company trying to use emails and scare tactics demanding I pay. This private school loan should not be held valid under my name nor I should be responsible because the institute was misleading and fraudulent.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name XX/XX/XXXX Account Name : XXXX Account Name :XX/XX/XXXXXX/XX/XXXXAccount Name : XXXX Account Name : XXXXXX/XX/XXXX Account Name : XXXX and list of Inquiries. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

my bank deducted XXXX dollars from my personal checking account to my business credit card account without notice XXXX. XXXX XXXX and left me now with a negative checking account balance. i was never given an option to make payment arrangements prior to them taking this action and i have XXXX kids with no money at all to support them.we have been struggling with money since going on a limb and starting our own business in XXXX and work demand has been low due to people not having any money for the work. we are trying our hardest to stay afloat and this really set us back even worse and were expected to just get out of debt when we have now been put into it even further with absolutely no consideration for our family, leaving us helpless with no chance of returning the money to survive and letting us try to pay off the debt.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.