davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX Equifax Credit Agency claims that : 1 ) XXXX  XXXX XXXX XXXX  ( charge off ) Balance {$9300.00} is accurate after my dispute 2 ) XXXX XXXX XXXX XXXX  ( charge off ) Balance {$40000.00} is accurate after my dispute 3 ) XXXX XXXX XXXX  XXXX ( charge off ) Balance {$7000.00} is accurate after my dispute. 

I disputed said items multiple times in XXXX and XXXX and yet items still remain on my file even though they are inaccurate. 

Please help me resolve.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax has continued for the last 5 years at least to put an item on my credit report which do not include my birth date or social security number. I learned after thinking this item was removed from my account that it was placed on it again in XX/XX/XXXX. At which time I contacted XXXX XXXX XXXX XXXX and in a three way call with XXXX XXXX proved that the billing was not mine and my accounts with XXXX XXXX XXXX XXXX were paid in full and I did not use them on the date in question. Since this time XXXX XXXX has requested that this item be removed from my account but for some reason Equifax refuse to remove it and only states that the consumer disputes this account information which is what I did when it was first placed on my report. Equifax never responded to the dispute and after the seven year period when it was coming off it was placed on my report again without a birthdate or social security number to verify it is my account. This false information has cause great financial hardship, mental and emotional distress with the difficulty it cause in obtaining items on credit and the higher interest rate I am charged for this false information. 
Item to address recent collection account XXXX XXXX account number XXXX date filed XX/XX/XXXX last date reported XX/XX/XXXX.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

For over 7 months, I haven't been able to complete the XXXX verification on my blockchain.com account, and I can't transfer or withdraw my funds. To make things worse, I haven't received any feedback from them. I'm losing money due to the changing value of XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

My federal student loans have been transferred several times amongst XXXX creditors. XXXX XXXX, Dept of Edu, DEP ED NELNET. Each They currently reside with Nelnet. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.
Consumer complaint received 2015-10-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (CA)

I apply payday loan the company name is check into cash and I fail to pay them because I lost my job since last year. Now they send me notices to pay it back. The worst thing happening now is that they giving a warrant of arrest that 's what they said if I do n't pay the amount I owe them. The word that they said they will give the case to XXXX Attorney file a suit against me writing bad check and fraud and they keep harassing me. And they used the XXXX. No XXXX XXXX and the XXXX of XXXX in XXXX XXXX I call them and verify what is this about, at the end they are to collect money from I owe this company. They to call people whom is put in reference in my application.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called XXXX, XXXX and Trans Union in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/2024 ) I went online to all three credit bureau websites ( XXXX, XXXX and Trans Union ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-24
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. (IL)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-05-31
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. (FL)

While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. EQUIFAX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON EQUIFAX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

On XX/XX/XXXX I filed a complaint against Account from XXXX XXXX XXXX for placing what I believed was a fraudulent account on my credit reports for XXXX XXXX XXXX XXXX XXXX. I noted that my health insurance covers 100 % of my medical expenses. I tagged the account as account is fraud. 

XXXX XXXX XXXX REPLIED IDENTIFYING THE ACCOUNT HOLDER as XXXX AND CLAIMED IN THEIR RESPONSE THAT MY INSURANCE COMPANY DID NOT PAY THIS BILL. 

XXXX XXXX XXXX provided inaccurate and false information in their reply to my CFPB complaint. 

My insurance company DID IN FACT pay the {$36.00} on XX/XX/XXXX. SEE ATTACHED EOB.
Consumer complaint received 2023-05-31
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)

1. The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 
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The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I had worked in XXXX, I had direct deposit w Truist going into my savings. Thus year I had direct deposit, not realizing they were going to my closed savings acct. in XX/XX/XXXX. So my first two checks ended up in my checking account, somehow. Now since XX/XX/XXXX I have 4 checks go unaccounted for XX/XX/XXXX, XXXX, XX/XX/XXXX, & XXXXI have since closed checking. For 2 weeks I've been told by many people at Truist, they didn't know where the money went, until XX/XX/XXXX. I was told they took my paychecks to put towards my credit card. I was never informed by anyone at Truist, 1st that my savings had been closed or that they were taking my money for the credit card, they offered me no documents, receipts nothing. I had to go to 4 banks, no managers, many customer service reps. No answers. I have hit rock bottom not receiving that little bit of money. I am a XXXX XXXX XXXX XXXX I've lost my car insurance, can't get to XXXX XXXX, pay copay 's .... is this a proper practice taking my money without my knowledge?
Consumer complaint received 2023-03-02
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. (SC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2016-03-08
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (CA)

OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX XXXX XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (SC)

I have Exceeded numerous times im only available Sunday from XXXX! I cant be on my phone Monday-Saturday because of my job dont allow phones. This company SPRING OAKS CAPITAL LLC repeatedly Calls me doing the week. Even after I told them I refuse to pay this debt in writing. They Repeatedly calls me Knowing Im unavailable. In 15 usc 6092 Ceasing communication- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate. Reporting to my consumer report its still a form of communication
Consumer complaint received 2017-02-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advance Title and Loans, LLC (ID)

Advance Title and Loans out of XXXX Idaho has verbally abused and threatened my client on numerous occasions. The collection manager has stalking tendencies and has harassed the client numerous times to collect a debt including over twenty phone calls and or texts in a one hour time frame. In addition she continues to make allegations of non-compliance against her and broke into her credit counselor 's place of business.
Consumer complaint received 2023-01-26
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. (NJ)

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (NY)

Juno Bank, powered by XXXX, backed by XXXXXXXX XXXX XXXX XXXXXXXX has frozen all actions with the bank account from depositing or withdrawing cash. I want to withdraw all of my cash and it will not let me. They have said they have no idea when I will be able to withdraw my cash.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

XXXX   XXXX ,  XXXX  {$1100.00}  XXXX   XXXX ,  XXXX  {$220.00}  XXXX   XXXX ,  XXXX  {$190.00}, {$790.00}, {$2600.00}, {$210.00}  XXXX   XXXX ,  XXXX  {$9300.00}  XXXX   XXXX ,  XXXX  {$150.00} The aforementioned credit collection agency representing  XXXX   XXXX   XXXX  has violated  the FCRA by not providing documents to me i n regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertain to this " debt ''. If they do not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/2022. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.
Consumer complaint received 2023-01-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NH)

Settled debt at lowered amount with synchrony bank, they only applied settlement amount as payment. The debt was settled on XX/XX/22, the original debt was XXXX and settled for XXXX. Confirmation for this transaction was XXXX. 
Another account was settled on the same date for XXXX, with an original debt of XXXX. Confirmation number for that transaction was XXXX.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

My business partner and I opened 2 business accounts at a chase branch in XXXX, GA on XX/XX/year>. On XX/XX/year> I had three casheir checks made at my previous bank and carried them for deposit at the Chase branch. ( XXXX, XXXX and $ XXXX ) they were all deposited in one account. Later I did an online transfer for the XXXX from one account to the other. Again both partners own the two entities and accounts were open at the same branch on the same day. The funds were put on hold, the account was suddenly closed without notice. I inquired with Chase at eh branch and they said it was suspected fraud and that they sent one email to that effect. Now, 4 weeks after the deposit was made and I am yet to receive my $ XXXX. Chase would not explain why was it help and I have spent several hours this week and last week at the branch and on the phone with no answer. The branch staff including the branch manager say that they are puzzled and have no control over this nor do they have any authority to give me my funds back. The customer no service lines transferred me today from one department to another 5 times and I wan on the phone for 2:34 minutes. Still no one can tell me why the funds are held or how I can get my funds back. Chase has been holding XXXX of my funds that I need to do business with absolutely no reasonable explanation or any desire to help or resolve the issue.