davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

This is regarding FEDLOAN SERVICING to transfer my loan payment to XXXX XXXX This is in reference to a loan payment of {$26000.00} made to Fed Loan Servicing on XX/XX/XXXX via check. The check was cashed on XX/XX/XXXX. I have made the request through XXXX ( my new student loan servicer ) to apply this payment to my current outstanding principal balance with multiple requests made starting XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX stating that Fed Loan Servicing has cashed my check and still has the funds. I have tried to contact Fed Loan Servicing regarding this, but the company does not have any active numbers ( XXXX ) for this request. 

FedLoan Servicing Reference Student Loan # XXXX XXXX XXXX Reference Student Loan # XXXX
Consumer complaint received 2023-11-01
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. (MI)

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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is an account from XXXX XXXX ending in XXXX which is reflecting on my Equifax credit report. This account is not mine. I have disputed with Equifax but they keep saying it was verified as mine. I have a real issue with the investigation process and dont believe they are giving due diligence to ensure my information is updated and corrected. I contacted XXXX Executive Offices by email and requested their assistance. They advised that XXXX requested the account be removed from my report and if it is still there to contact Equifax directly. I have done that and am now requesting the assistance of the CFPB.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is still reporting this Medical Debt with a ZERO BALANCE on my credit report. The new law as of XXXX was anything under XXXX dollars or 0 balance was not to be reported for MEDICAL DEBT. I was told in XXXX by Equifax that it would fall off in six months. The account from XXXX XXXX # XXXX is still reporting
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (HI)

At the beginning of XX/XX/2024, I called Chase about my high minimum payment of XXXX, which I had been paying for over 4 months. The customer service representative told me I had charges through Amazon I was making interest-free monthly payments on. I asked the Chase customer service rep to tell me what they were, and he said Chase did not have a record of what they were, and I had to go to Amazon. 

I called Amazon, and they only had one interest-free payment account that I signed up for which was true, but when I called Chase back XXXX XX/XX/XXXX, they said I had four no-interest plans, and I could not get out of them unless I paid my entire Chase balance off. I never signed up for those interest-free payment plans which ratchet up my credit card balance. ' I have been paying Chase on average XXXX dollars a month. Today I paid XXXX dollars. My average balance on this card runs about XXXX dollars a month. After I took the card off Amazon, I rarely used it. When I asked where my payments were going, Chase told me they were going toward my interest-free payment accounts. 

When I talked to a supervisor at Chase, she said I had to go to Amazon to dispute the interest-free payment plans instead of disputing with Chase. 

. I did not sign up for these accounts that Chase is charging me for, and Amazon has confirmed my claim. I do not know what to do.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (TN)

I am a victim of FRAUD. I have hired a credit repair company to try and help me. While applying for a home loan I still have several things showing up on my credit that is fraud and shouldnt be there. The credit repair people have contacted them many times disputing the charges on my credit file. They can't prove it was me because it wasnt me that did this. I need help getting these credit issues resolved. I have been dealing with this for years and need someone else to step in and help me get these accounts removed. This fraud has caused my family and I so much hardship. Below I will list several that are still showing up. Theres more but I will have to get with the credit repair company I hired to get the rest of the names and account numbers. 

XXXXMidland funding  XXXX account number XXXX in the amount of {$4900.00} opened XX/XX/XXXX XXXX. Midland funding / account number XXXX in the amount of {$440.00} opened XX/XX/XXXX XXXX. XXXX XXXX/ account number XXXX in the amount of {$930.00} opened XX/XX/XXXX XXXX. XXXX / account number XXXX in the amount of {$5.00}. XXXX XXXX / account number XXXX in the amount of {$480.00} XXXX. XXXX XXXX account number XXXX in the amount of {$600.00} opened XX/XX/XXXX XXXX of XXXX/ XXXX XXXX XXXX XXXX {$760.00} account number unknown XXXX XXXX XXXX XXXX  / account number XXXX in the amount of {$3900.00} XXXX. XXXX XXXXXXXX XXXX / account number XXXX in the amount of {$940.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX / account number XXXX in the amount of {$1000.00} opened XX/XX/XXXX XXXX XXXX XXXXXXXX / account number XXXX in the amount of {$1500.00} These are all the accounts that I know of that have still not been deleted off my credit scores and breaus. The credit company I hired has been fighting these for XXXX year and they are still reporting on my credit as negative. I need these removed. What else can I do? Ive done everything possible to have this taken care of. Someone please help get this taken care of once and for all so I can get my credit back on track and go on with my life. I dont want to file XXXX  but I might have to if I cant get this resolved. My phone number is XXXX. 

Thank You for your time in reading all of this and for hopefully helping me get these erased. 

XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Hello, I called Equifax on 10+ separate occasions to unlock my credit file as my score has not been updated in 2+ years. They asked me to send in a copy of my ID and SSN card so they could unlock my file so I was able to make an online account with Equifax. To date, my problem has been unresolved, my account is still locked and I am still unable to make an Equifax account due to an error code " NH '' when I try to make an account. 

Upon searching XXXX I see that others have had this issue as well and it took them 6+ months to resolve it with Equifax . I want them to unlock my file so that my Equifax score is available, as well as my file.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (AL)

In XXXX of XXXX I was double charged by an airline provider. The airline applied the same charges to XXXX different credit cards. I notified Avant in XXXX of XXXX of what happened and disputed the transaction. They asked for any proof that the airline charged both cards, which I provided. After I emailed the proof, I didnt hear from Avant again until they denied my dispute. Shortly after, I called their customer service and was disrespectfully told that there was nothing they could do. Since then, my account has been collecting interest and late fees that total more than the limit of the credit card. I have a {$780.00} balance on a card that only has a {$300.00} limit. I have tried to close my account several times and was given an ultimatum that they would only close the account if I agreed in writing to all of the ridiculous charges and fees added to the account. The account is currently still open and collecting interest against my wishes.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is infuriating, I've been trying to lift a protected freeze on my credit for 5 years. I've sent certified mail twice and they refuse to give me access to my account or verify my identity. I can not apply for a credit card or apartment with frozen credit, and TransUnion adamantly refuses to verify my identity, unfreeze my credit, or provide me with any options. This is extremely frustrating and I don't know what I'm supposed to do, this company is ruining my life.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Urgent : Disputed Inquiries on Credit Report - Request for Validation Dear TransUnion and Consumer Financial Protection Bureau ( CFPB ), I am writing to express my dissatisfaction with the handling of my recent credit file dispute by TransUnion and to bring to your attention unauthorized inquiries on my credit report. 

I have recently submitted a dispute regarding inquiries on my credit file with TransUnion. The inquiries in question, listed below, were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type : XXXX XXXX XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize these credit companies to pull my credit, and these inquiries are inaccurate and damaging to my credit profile. As per the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion promptly validates these inquiries and takes the necessary steps to remove them from my credit file. 

The FCRA, under Section 611 ( a ) ( 2 ), states that inaccurate and unverified information must be corrected or deleted from a consumer 's file. Given this, I expect TransUnion to adhere to the law and ensure the accuracy of my credit report. 

I kindly request the CFPB 's intervention in this matter to ensure fair and accurate reporting. Your assistance in resolving this dispute and validating the unauthorized inquiries is highly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Place of birth : XXXX  SSN : XXXX
Consumer complaint received 2024-01-28
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: EQUIFAX, INC. (FL)

XXXX, a debt collector, inserted adverse information into my credit file. On XXXX XXXX, 2023, I dispatched a certified letter, invoking the Fair Debt Collection Practices Act ( FDCPA ), demanding validation of the debt. Despite a lapse of 30 days from receipt of my demand, they failed to validate the debt, thereby violating the FDCPA. On XX/XX/XXXX, I formally notified Equifax of this violation via certified mail, urging them to remove the derogatory information reported by the debt collector. Regrettably, Equifax declined to take action. Instead, they reiterated that they had contacted the debt collector and verified the debt 's association with me. Legally, Equifax was obligated to expunge the derogatory information.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

A VICTIM OF IDENTITY THEFT. I HAD NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED BELOW WERE OPENED FRAUDULENTLY. 


XXXX XXXX  # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 



ATTACHED TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I completed my education in XXXX with student loans which I been paying without any break since XXXX. The only thing is the original servicer turned over the payments to navient and recently I tried to get the information from navient and the they saying I have had the loans since XXXX. I wanted to find out if I qualify for loan forgiveness since I have paid the loan since XXXX without any break.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I use an app called XXXX XXXX to monitor my credit score. I was notified by the app that Transunion is stating that I am XXXX. I am XXXX XXXX XXXX. I contacted Transunion by phone and the agent stated that my date of birth has been removed from my credit report. I did NOT request for my date of birth to be removed. I also have a copy of my credit report that I received from Transunion by mail on XX/XX/. The report was completed on XX/XX/2024 and it clearly has my date of birth on the report. The representative stated that since I had an open dispute that he could not re-add my date of birth back to my report until the dispute is completed and that I would need to call back once it had been completed and the issue would be corrected. Today, XX/XX/2024 I received confirmation that the dispute has been completed. I called Transunion and the representative is now telling me that I will need to send a photocopy of my driver 's license, birth certificate or social security card by mail to have my date of birth added back to my credit report. This can take up to 4-6 weeks. I am currently in the process of moving and this issue is preventing me from getting verified for my a new place to live. Transunion removed my date of birth without being asked to do so. This is tampering with personal information. I'm currently seeking legal counsel on this issue. I will also be submitting an official complaint to the FTC for this issue.
Consumer complaint received 2024-01-27
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. (WI)

In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting an account twice, with XXXX XXXX XXXX XXXX Which is now XXXX XXXXXXXX XXXX XXXX information is correct but XXXX is not because this account was closed out and transferred to XXXX XXXX XXXX XXXXXXXX and XXXX are reporting correctly.
Consumer complaint received 2017-11-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

Case file # : XXXX {$930.00} settlement amount {$350.00}. 


I have received several threatening emails. I have no knowledge of such loan made. 
The emails never state the original date amount or date of service.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (PA)

I have an investment account with Robinhood. They indicated they were terminating my account due to a violation of agreement terms and conditions. This occurred on XX/XX/2024. On XX/XX/XXXX, they indicated they could not verify the source of remaining funds in the account. They asked for additional documentation to validate the funds, which I provided. I sent a written communication via email on XX/XX/XXXX requesting them to disperse my money. Since then, they have not been willing to communicate with me. I simply want the money in the account transferred back to me. It is my money and they refuse to even engage.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

While using Wells Fargo there were numerous times where Wells Fargo would sequence charges to get more overdraft fees, and also hold deposits til overdraft fees were accessed. I requested bank statements but the customer service representative would not provide me any information. The account is now closed.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Subject : Request for Removal of Illegally Obtained Accounts from Credit Report. 

XXXX XXXX XXXX XXXX. Account # : XXXX. Account # : XXXX. 
XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 
Dear : CFPB I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and bought illegally. Equifax has acknowledged my status as a victim of this breach, yet no action has been taken to rectify the situation. 

I am attaching proof of my victim status as documented by Equifax. I kindly request your immediate assistance in removing the unauthorized and illegal accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial well-being. 

I Attached Document in file Proof of Equifax Data Breach Victim Status I urge you to investigate this matter promptly and ensure the removal of the aforementioned accounts from my credit report. Your cooperation in resolving this issue promptly is greatly appreciated. 

Thank you for your attention to this matter. I expect a swift and satisfactory resolution to this situation. Please provide confirmation once the unauthorized accounts have been removed.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (FL)

This is my fourth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (AL)

I have not had a chance to reach them to request information. Mohela is so confusing and they are never available within the hours they have posted online. When repayment restarted, the payment was lower. My income has not changed since repayment started, but now they are saying that my payment has changed. It was {$380.00}. Now on two different pages on my account show two different amounts. My " Home Page Payment Information '' shows that starting XX/XX/XXXX, I have to pay {$800.00} a month. I absolutely can not afford that. Then when I go to my " Account Overview, '' it shows that my monthly payment amount is XXXX. I don't understand and I'm scared. Mohela is the worst company who has ever had my loans and it feels like they want to make the payments unreasonable so they can charge late fees, which will add interest and give them more money. '' I don't know what to do. I am going to try to call again over the next several days, but it's either extremely long hold times and then your call gets " accidentally '' hung up or long hold times and then they say they are closed even though I called within the hours posted that they are open. I feel like I will die and these loans will still not be repaid. I'm scared!