davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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)

XXXX XXXX XXXX account XXXX is incorrectly reporting as open with a {$0.00} balance on my Transunion scredit report. 

I had previously disputed this account with Transuion to no avail.
Consumer complaint received 2024-03-14
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. (TX)

I contacted the credit bureaus regarding items on my credit report that are not right. Whatever investigation they conducted did not fix anything on my reports. There is still things on my credit report that are not supposed to be there and other things that are incorrectly reporting.
Consumer complaint received 2023-07-11
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NC)

On XX/XX/2023 I received a notification from my credit monitoring apps that there had been 2 hard inquiries made on my account. The first account was from OneMain Financial and the other was from XXXX XXXX XXXX. I have not applied with any creditors or loans in over 6 months. I did not authorize any company to make any inquiries to my report. I called One Main Financial to review the issue, however the employee answered the phone and advised me that they were closed and could not help me today.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

XXXX XXXX, Equifax and XXXX blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (NV)

During the Month of XX/XX/2016, I had a XXXX XXXX done at XXXX XXXX XXXX in XXXX Nevada. The cost of the XXXX per the statement i received was reported as {$1000.00}. Of this amount, {$760.00} was paid by my insurance leaving a balance of {$250.00} which was billed to me as my portion. I called the XXXX XXXX XXXX and told them that I was unable to pay the balance off right away and that, I would like to make payment arrangements. They refused to take payments and as a result, reported me to a collection Agency known as XXXX located at XXXX XXXX Nevada. XXXX intend reported me to the Credit Bureau as owing {$470.00}. I disputed this amount with the credit Bureaus but they said per XXXX record, the amount of {$470.00} was verified to be correct. 
I contacted XXXX and requested the breakdown of the charges and also the reason why they are asking me to pay {$470.00} instead of the {$250.00} bill that was originally sent to me. They have so far refused to give me the breakdown or the reasons why they arrived at {$470.00}. I do not believe I owe {$470.00}. I am willing to pay the {$250.00} but not the {$470.00} they asking me to pay. I do believe they are ripping me off. I am a XXXX years old man in poor health with XXXX and this people are trying to rip me off.
Consumer complaint received 2024-04-28
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: National Credit Systems,Inc. (MI)

Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both XXXX and XXXX have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

There's been multiple issues regarding my student loans. Overall student loan debt and amount stated to be owed to AES is incorrect. After numerous requests were made and documentation was repeatedly submitted to AES. It is an issue I have been trying to resolve with AES since 2007. After finding out AES obtained my student loans, and they were assigned to them as my servicer ; AES was repeatedly informed numerous times there were serious issues prior to student loans being transferred to them via XXXX. AES was informed while I was discussing all of these issues with Xpress, I found XXXX immediately and abruptly transferred student loans to AES. I did not know who the servicer was? XXXX explained wait for the servicer to reach out to me and give transfer of loans time to process. There was nothing they could do because the loans were transferred from XXXX to AES already. The same and following information was then provided to AES when I found out my loans were transferred to them. Student Loans that were transferred to them were previously cancelled and funds were returned back to XXXX XXXX. Funds that were returned and deposited to XXXX XXXX XXXX checking accounts also belonged to XXXX XXXX. I also submitted actual loan applications that were altered with amounts that were changed with consolidation. Both XXXX XXXX and US Dept. of Education confirmed accuracies of student loans amount in detailed letter upon my further request for investigation. This documentation is attached. This verification was also provided to both AES and PHEAA guarantor countless times. Request for promissory notes that returned they were lost also attached. Both AES and PHEAA ignored all of my complaints, concerns, this documentation and repeated calls, faxes and documentation even mailed, documentation was also sent I uploaded to AES via email to them through my AES online account regarding problems with initial consolidation, cancelled loans and funds returned back to XXXX XXXX. All the issues surrounding my student loans were repeatedly explained over and over again since XXXX. Still no response, follow up nor communication regarding factual information that was sent to both AES and PHEAA. How is AES allowed to uphold inaccurate amounts, ignore official documentation repeatedly submitted to them proving inaccuracies, uphold fraudulent amounts on altered documentation.
Consumer complaint received 2023-11-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Auto Credit (CA)

XXXX XXXX XXXX a third party debt collector posted a balance of {$7600.00} on XX/XX/XXXX and which had been updated to {$8100.00}! I was not informed that I owed them and that I was obligated to pay them money or that my potential debt was taken over by them, I asked them for an accurate check of the debt and balance to make sure that it was mine and that the correct balance was mine and never got either! They reaged this supposed debt so that it can effect my credit without even given me notice or a chance to go over it with them and possibly pay. Numerous of my dispute letters have not been answered back and I feel its attempt to show that Im not compliant and to get me to pay a outrageous debt by default hoping that I dont perform the steps necessary in order to settle this matter. I called the original debtor to confirm balance owed in which they wrote it off and charged it off, before this debt collector baught it and the balance when it was wrote off was not near but the third party is trying to allege.
Consumer complaint received 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NJ)

Card was locked and replacement issued, account flagged, but I was told even though the were certain I did not make the purchases, I could not be reimbursed because they had already delivered the product. 
Spoke with Customer Service, was told the card would be locked, and a new one issued. They said I should call the companies that sold the product for a refund. 

XXXX XXXX XXXX {$46.00}, XX/XX/23 {$41.00}, XX/XX/23 {$47.00}, XX/XX/23 {$34.00} {$3.00} Service charges. 
Handled by Customer Service Rep : XXXX. Card used flagged as fraud. 

XXXX XX/XX/23 {$77.00}, {$90.00}, XX/XX/23 {$0.00}. {$2.00} service charges. 
Spoke with Customer Service Rep : XXXX, she opened a service request : XXXX, and suggested I report the activity because the Debit Card company was responsible for returning my money.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing this letter to register a formal complaint against Vio Bank ( a division of MidFirst Bank ). I have applied online for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received an automatic denial to open this account. When I contacted Vio Banks customer service at XXXX, I was informed that they could not tell me the reason why my application to open a savings account was denied. I have excellent credit and banking history and large account balances in my current banks, so there is no legitimate financial reason to deny my application because I am not a high-risk customer. 
Furthermore, the bank refused to give me a reason why they denied my application for this account. So basically, I received a denial without any reason for this denial. I believe that this denial decision by Vio Bank was based on illegal discriminating against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX like myself. 
Please investigate this situation for the following reasons : 1 ) The bank needs to provide a reason for a denial to open a savings account. They stated that they do not have a reason for this denial. If this decision was based on any financial factors such as XXXX they need to issue an adverse action notice and let me know the reason for this denial. 
2 ) I believe this was a case of illegal discrimination against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
3 ) I have an excellent credit and XXXX banking history, high account balances with other banks, and I never bounced a single check in my life. 
So I believe that Vio bank had to make their denial decision due to illegal discrimination based on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please let me know if you have any additional questions. I can be reached at XXXX XXXX XXXX I believe Vio Bank denied me because of illegal discrimination against me and this situation has to be addressed. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

My credit card provider is Barclaysa XXXX sponsored by JetBlue. I recently paid my monthly statement ( due XX/XX/ ) in full ( via check enclosing Barclays voucher coupon ). Instead of crediting my account, Barclays erroneously credited my wifes credit card account ( she too has a Barclays XXXX ). Im now accruing interest and being warned I have an overdue debt. A call to Barclays customer service on XX/XX/XXXX ( case # XXXX ) supposedly resolved the issuebut it didnt. I called customer service again today, XX/XX/XXXX, when Barclays sent me a new statement still showing a past due amount. Customer service did not take my proffered case # from XX/XX/XXXX. Rather, I was put through the same song and dance with the new information that Barclays mistake could take up to two billing cycles to be resolved. Meanwhile, I cant use my credit card ( unless I make a paymentagain ), I continue to accrue interest and Barclays continues to demand payment of the amount supposedly under review by them. I asked whether in paying my next statement I should deduct my prior payment and any interest charges, but customer service seemed incapable of answering my question.
Consumer complaint received 2023-09-07
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. (MI)

Dear XXXX, I am writing to dispute the inclusion of a credit account associated with XXXX XXXX  ACCOUNT # : XXXX on my credit report. I was only an authorized user on this account it doesn't belong to me. I did not provide consent for its reporting, as stipulated by 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I request the immediate removal of this unauthorized account from my credit report, as it is adversely affecting my creditworthiness and preventing me from pursuing financial opportunities such as securing a new car, obtaining a loan, or purchasing a home. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of this investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

we refinanced our mortgage last year when rates were lower and we had nationstar, they gave us to XXXX who said they are the parent company. 
XXXX told us how much our payment would be a month which was {$660.00} and we wanted the lower payment from our {$720.00} range so we decided to do it. At that time we owed {$76000.00} and after the refinance it went up to {$78000.00}, the problem now is we get a letter telling us not enough was estimated for the escrow and now we have to pay the extra {$64.00} a month. 
Now we are paying the same as before if not more because someones mistake, not on our part.And after it was refinanced they sold us back to Nationstar I have called to talk to someone and they gave me the specialist who could not answer my question as to how someone only estimated half our yearly taxes into the refinance when we have 5 years history showing what it was, I feel like it was done on purpose and they knew what they were doing and took our {$2000.00} we paid to refinance also, something does n't add up here at all, why are we paying 3.5 % and its the same as the 5 % thanks XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a notification from my credit alert system that my BOFA card was closed " at my request '' this is a fraudulent statement made by BOFA. 

I reached out to BOFA and requested more info and they said the card was closed due to inactivity and that they had notified me prior. Upon pressing it was discovered that they had an old physical address and old email address on file. 

I would like for them to reinstate my account.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I do not know what this collect is. However Portfolio Recovery calls my phone Day and night Monday-Friday. Some of the calls have came through before XXXX and after XXXX. All throughout my work day I receive calls from this company and it is very disturbing and I feel harassed. Calls are coming from several different numbers but all say Porfolio recovery
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXXXXXX XXXX XXXX  Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} Acct XXXX XXXX Act # XXXX {$1600.00} XXXX XXXXXXXX XXXX XXXX  Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i inquired how XXXX XXXX was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from XXXX XXXX informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX. My information was breached with Equifax and another company last year.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent Accounts 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-25
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. (KY)

In an attempt to buy a house, I realized there are damages on my credit report. According to Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], there should not be any damages on my report. This is a defamation of my character.