davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
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: AES/PHEAA (PA)

On XX/XX/2018, my IDR was approved for $ XXXX  monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to fedloan servicing, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX,XXXX,XXXX,XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if Fedloan had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that Fedloan has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I am writing to file a complain about XXXX XXXX XXXX, which was called XXXX XXXX when I attended it from XX/XX/XXXX-XX/XX/XXXX. When I enrolled in the school they told me that upon graduation I would receive assistance taking my licensing exam and finding a job. When I graduated in XX/XX/XXXX neither of these things happened. I was told that a time, date, and location for my exam would be mailed to me after graduation, and I never received anything. When I called XXXX to ask about this they repeatedly brushed me off, and I was never given an exam time or date. I also did not receive any assistance finding or applying for jobs. I had many classmates who experience the same thing, and I believe this amounts to false advertising. If I had known that I would be left to fend for myself after graduation with no ability to find a job related to my education I would not have enrolled at XXXX and would not have the student loans that I am struggling to pay today. I would like XXXX to be investigated for this fraudulent behavior.
Consumer complaint received 2023-06-06
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: FirstPoint Collection Resources (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I deposited a XXXX from my XXXX account on XX/XX/XXXX and Thrust bank will not release the funds until XX/XX/XXXX. I issue a check for a deposit on a home for XXXX on XX/XX/XXXX now the check will not clear the bank... I called two bank managers and explained the problem and the funds are still being held although the funds left my brokerage account 7 days ago. 

REGARDS, XXXX XXXX
Consumer complaint received 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP (NE)

I am buying a home via a loan assumption of a FHA XXXX loan in XXXX Nebraska. I paid an earnest deposit of {$5000.00} and a {$900.00} assumption fee along with a credit check fee. The contract/purchase agreement was signed on XX/XX/23 and the closing date of XX/XX/23 was set. US Bank is in control of the loan. They have been provided with all necessary information within 48 hours of request. Some documentation has been provided repeatedly as it's viable time frame had expired because of the lengthy time this has taken. I have repeatedly inquired as to why this is taking so long and have been told that it might be better to obtain conventional financing. I believe that US Bank simply wants this low interest loan to " go away '' and this is a tactic to get me to give up. The current hold up is getting my tax transcripts from XXXX. I was told that it may take 5-6 weeks. Tomorrow it will be 7 weeks. I have sent them copies of my tax returns and even copies of the transcripts, but these have been deemed unacceptable. 
In addition to the inconvenience this has caused me, the seller has moved and has made double payments. She has since stopped paying and now there is potential for the house to go into for closure. Anything that can be done to help this situation is greatly appreciated.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

On XXXX  I did a transfer from my savings account to my credit builder account the funds went missing I couldnt see it so I XXXX chime XXXX number it showed up chime contact us for support reach chime support XXXX XXXX XXXX XXXX XXXX I was asked questions XXXX the guy telling me my account was locked that I needed to update information to unlock it because I did a transfer of XXXX to my credit builder and it wasnt showing up n now Im out of {$1700.00} one week before XXXX my money I need help please
Consumer complaint received 2017-09-20
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: Resurgent Capital Services L.P. (AZ)

A collection company, XXXX XXXX, reported an account to the credit agency 's, XXXX XXXX and XXXX, on XXXX XXXX that an amount of {$440.00} was owed, but was paid and satisfied from XXXX XXXX I disputed this account with the credit agency stating that this account is not mine nor was I an authorize user on it. I do however have 4 XXXX XXXX accounts that have been in good standing for years now. The credit card account number that is being reported is not connected to any of of my current accounts., but for some reason when they last updated their information XXXX XXXX, XXXX, they did not verify it properly. I contacted the company and requested documentation proving this account belong to me, along with the information of how the account was paid off, but as of today, I still have not received it. Furthermore, I contacted XXXX XXXX, and they said this account number, last four digits, was never associated to me or any of my accounts.
Consumer complaint received 2024-03-31
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. (IL)

I'm writing this complaint today because XXXX student loans from XXXX are currently being inaccurately reported on my consumer report. I have reached out a multitude of times in regard to the matter and XXXX  still to this day refuses to be in compliance with the law. I have attached the necessary correspondence below that outlines the violations XXXX is currently exercising against me.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023, I received an automated email from Chase thanking me for requesting a new credit card. I did not initiate any request for a new credit card. XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I received a second email from Chase requesting information and documentation to complete the application process. I did not respond to this email. On XX/XX/, I received another automated email from Chase thanking me for requesting a new credit card. Again, XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I called Chase to alert them of the fraudulent activity, but they were not able to do anything at that time as their computer systems were down, so they told me to call back the next day. I called back two days later on XX/XX/2023, and they responded appropriately by closing the application request ( s ) and sending me information on the next steps. Later that day, received another automated email from Chase thanking me for requesting a new credit card. However, I did not receive another alert from XXXX this time. One of the next steps was to contact XXXX, whom I have an account with, to dispute the case ( s ). XXXX told me they would process this, but I also needed to file a report at FTC.gov. So here I am, reporting the issue. Once the report is filed, I need to upload a copy to XXXXXXXX including my ID ( driver 's license ).
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CarMax, Inc. (FL)

On XX/XX/ my XXXX XXXX ending in... XXXX is charged with sending my payment of {$340.00} to CarMax Auto finance. Carmax did not post the XX/XX/XXXX payment and charged me a penalty for a late payment. They maintain they did not receive the payment I had to make the payment again. 
XXXX insist that they transmitted the monies to the bank for CarMaxAutoFinance and they provided a banking transmission number. ( See attachments ). CarMax will not acknowledge what happened to that banking transfer. I want CarMax to refund the monies or provide information to XXXX XXXX that they never received these moneys. Then XXXX XXXX can refund my money. Where is my {$340.00}? Who has my {$340.00}?
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I've contacted XXXX numerous times by mail to let them know that there was an inaccurate debt collection account on my credit file. I sent letters out on XX/XX/23 and XX/XX/23. 

They refuse to acknowledge my complaint with any correspondence or communication. 

The inaccurate collections account are fromXXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX XXXX  Account Number XXXX. 

Please remove these accounts from my credit report they are not mine and inaccurately bring reported. Which is causing me harm while I'm currently trying to purchase a house.
Consumer complaint received 2023-09-03
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: EQUIFAX, INC. (MD)

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. 

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 has violated my rights. 

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 an 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 2022-12-22
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. (CA)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
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. (MD)

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. 

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 has violated my rights. 

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 an 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 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grow Credit Inc (FL)

There is a fraud account on my credit report- negatively affecting my credit XXXX points - I have no access to this account and I have contacted Grow Credit Inc with no progress in XXXX  days. It is a {$70.00} loan?! come on, who gets a loan for that small amount? Did they get it to buy dinner at outback steakhouse? Keeps coming back as accurate from XXXX. Not sure what to do about this... 

XXXX RESPONSE : INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed.

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

GROW CREDIT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

I have made two calls to Freedom Mortgage- which has taken over 45 minutes out of my life, and still don't have what I requested 4 times ; once in my initial call and 3 times in my subsequent call. All to no avail. 

I have requested an audit of my escrow account from its inception to a current date ; with what has been add from mortgage payments, what withdrawals/distributions have been made and for what & to whom and a running balance. 

Freedom can forward this information can be faxed to me at XXXX or emailed directly to me at XXXX.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/2023, I paid off this loan in full. By XXXX, my credit report was still showing the full balance owed in XXXX. I submitted a complaint and the the balance was removed during investigation. 

Despite the account being paid in full, and having a {$0.00} balance, {$2900.00} was added to my credit report on XX/XX/XXXX, which dropped my XXXX XXXX XXXX points. This fake balance due was reported after the account has had a {$0.00} balance for over 3 months. 

XXXX will intentionally and maliciously drive down a user 's credit score in order to force them to use their line of credit - which they doubled the APR on for new loans *after* I agreed to the terms of the line of credit. The new APR is currently 10 % higher than credit cards, making the personal line of credit completely useless for me, and making the impact to my credit report even worse.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

An account was created for my mom at Chime bank without her consent and her social security checks were directed to go there without her consent. I was made aware that there are also many other social security checks being stolen in this way because this institution is not properly verifying individuals in person and simply allowing people to open up an account online.
Consumer complaint received 2023-12-29
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-11-25
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. (CA)

I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but XXXX  has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.