davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$350.00}
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

I received a letter in the mail saying I owe XXXX XXXX $ XXXXfrom an account opened XXXX 2023 and I dont have XXXX  and did not open that account. I lost my social security card and birth certificate last year as well, not sure if thats how they got my information. I have had XXXX XXXXXXXX  for 3 years
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, these accounts with these different creditors, have 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 states that a consumer reporting agency can not furnish a account without my written instructions. 

Creditor : 1. XXXX XXXX XXXX- {$620.00} - Closed on XX/XX/XXXX 2. XXXX XXXX- {$3600.00} - Closed on XX/XX/XXXX 3. Department of Education- {$1100.00} - Closed on XX/XX/XXXX 4. US Dept. Of Education/XXXX - {$3400.00} - Closed On XX/XX/XXXX XXXX. Department of Education - {$1900.00} - Closed on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX {$1000.00} - Closed on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - {$10000.00} - Closed On XX/XX/XXXX Collection : 1. XXXX XXXX XXXX - {$4100.00} Hard Inquiries : 1. XXXX XXXX bank ) - XX/XX/XXXX 2. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( bank ) - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, 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. (TX)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I used Lexington Law from XX/XX/XXXX until XX/XX/XXXX I paid XXXX for credit repair services. I received nothing in return nothing was improved in my credit report. There were no indications that my credit had changed. I called them several times and message them to no avail. They would give me vague responses and nobody knew why I was taking so long for my credit to be fixed. They have yet to refund me for all of the services that I never received wow my account never changed in their hands. I want a full refund because I didn't get any of the services they claim to give nor did my credit get any better from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have tried on numerous occasions to negotiate a hardship payment request with the company. They refuse to negotiate or grant hardship until I am delinquent at least two payments. I have not missed a payment in ten years and have paid late once within the last year. This late payment was in two days of the due date. The only option Bank of America gave was to ask for my XXXX interest rate to be lowered. When I requested ton have my interest rate lowered 3 different times they refused to lower the rate only stating that the interest rate at this time is correct for this type of account. I should not be made to go delinquent to negotiate a hardship. I am trying to remain current on my payments just not in this amount. At this point with the interest rate as high as they have it after paying {$300.00} as a minimum payment only {$35.00} was counted towards the principal. The rest went to interest. They also counted my purchases after the payment was made thus increasing the balance after I made my payment. I also feel this is predatory because XXXX of my other credit cards are giving me a lower interest rate. I am starting to wonder if they are charging me more based on my race and not my credit score.
Consumer complaint received 2022-11-22
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  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 LETTERS FOR REFERENCE
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I found a debt collection account on my credit from credit collection service, XXXX for {$1100.00}. The debt does not belong to me. I do not have and have never had XXXX XXXX or an account with them. I also found an incorrect address where I have never lived before on my credit profile which I disputed with the credit beauros. Please have this debt cleared from my name asap thanks.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

I qualify for all three of these Draft Rules to Provide Debt Relief to Millions of Borrowers. Since the Department of Education insists that they do not have any paperwork from before XXXX. Let me provide you again with some of the paperwork that proves the validity of my claims. 
1. Helping borrowers who enrolled in low-financial-value programs or institutions a. The XXXX XXXX XXXX XXXX was a for-profit school that I graduated with my XXXX  XXXX  back in XXXX of XXXX. I sent in a XXXX XXXX XXXX XXXX back in XXXX, and I still do not have this debt forgiven. The XXXXXXXX XXXX XXXXXXXX Settlement attests to this school being a very low-financial-value program. 
2. Eliminating student debt for borrowers who entered repayment at least 20 years ago : The proposal would permit student debt forgiveness for borrowers with only undergraduate debt if they first entered repayment at least 20 years ago ( on or before XX/XX/XXXX ) a. My XXXX XXXXXXXX degree ( proof attached ) was completed on XX/XX/XXXX. 
3. Cancelling runaway interest : One would permit automatic relief of up to {$20000.00} of the amount by which a borrowers loans currently exceed what they owed upon starting repayment. A separate rule would permit the Secretary to forgive the full amount by which a borrower saw their balance grow after entering repayment if the borrower is enrolled in any Income-Driven Repayment ( IDR ) plan and has annual income equal to or below {$120000.00}. 
a. Original Loan Date 1 - XXXX - XX/XX/XXXX {$2600.00} Original Loan Date 2 - XXXX XXXX XXXXXX/XX/XXXX {$3500.00} Original Loan Date 3 - XXXX  - XX/XX/XXXX {$780.00} Original Loan Date 4 - XXXX - XX/XX/XXXX {$350.00} TOTAL for my XXXX XXXX  Degree on XX/XX/XXXX - {$7200.00} TOTAL for my XXXX XXXX  Degree on XX/XX/XXXX ( 24 years later ) - {$17000.00} This latest total is {$9900.00} OVER the original loan amount in just interest. ( see attached for original loan information )
Consumer complaint received 2023-03-04
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

I'm purchasing a new home and my credit score significantly dropped. After inquiring with XXXX a recent collection issue is appearing on my credit report. The amount is small at roughly {$970.00} from XXXX  but was discharged to a collections agency, XXXX, MRS BPO, LLD. XXXX  is apparently a cable company which doesn't even operate in my state of California. I have no knowledge of this company or transaction and am working with XXXX to remove from my credit ASAP in order to move forward with a new home purchase.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (LA)

Discover owes me a refund. Merchandise was returned I provided tracking label as well as tracking history. XXXX told Discover they never received it and Discover reapplied charge to my card. I updated them with proof of delivery and each time I get a different story/run around.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

ability recovery services has altered the date of an account opened from XXXX XXXX on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on XXXX  times. the woman I spoke to XXXX, informed me that this debt was from a buckle credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.
Consumer complaint received 2023-03-04
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. (CA)

When I investigated my credit report, I realized that the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXX : {$9200.00} Consider this as a follow-up request prior to my earlier complaint dated XXXX/XXXX/2023
Consumer complaint received 2024-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (CA)

I have continuously had problems this year with XXXX XXXX XXXX and their partner, UMB Bank, who are the administrators of my employer 's XXXX account. 

The problem begun earlier this year when I transferred funds out of my XXXX XXXX XXXX XXXX own HSA account XXXX XXXX. XXXX closed my account upon the execution of this transfer, which I did not request. I continued contributing to the XXXX account XXXX payroll deductions, and these contributions were lost by Navia/UMB for XXXX months XXXX I contacted XXXX about this, and they claimed they were unable to do anything to fix it and said my employer would have to fix the issue. My employer 's HR department reached out to XXXX, and after months of little to no communication, the problem was somewhat resolved when XXXX opened a second account in my name and deposited a lump sum into the account. Several deposits were somehow still missing at this time, which took another month or so to resolve. This was an incredibly frustrating process that made absolutely no sense to me, and it was a huge waste of my time and my HR department 's time. 

Now, XXXX has closed the new account that they had opened for me without any request from me and without any communication to me. That account has several XXXX dollars in it, and {$1000.00} of cash has been deleted from the account as part of the closure. The {$1000.00} does not appear in the transaction history at all, but if the credits and debits are added up and the investments accounted for, the balance is low by the {$1000.00}. XXXX reopened the older HSA that they had previously closed, and they are now directing my payroll contributions into that account instead. I am totally unable to access the funds from the newer account. 

At this point, some sort of intervention is required. Despite attempting to fix this issue via all possible avenues over a period of several months, XXXX has continuously prevented me from accessing my XXXX contributions XXXX Their management of my account is inexplicable and needs to be corrected immediately.
Consumer complaint received 2017-09-15
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Consumer complaint received 2022-11-22
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

I told bestbuy that my packages were not delivered. I looked for it everywhere around my house to see if maybe the driver dropped it off somewhere around the house but I didnt find it anywhere. Unfortunately I dont have security cameras installed around the house to figure out what happened. I tried to receive a refund for the lost packages but the dispute was denied because they received a notification that it was delivered and for another order that I made with them disputed and explained to them that their delivery driver was very rude and didnt even drop off my packages all he did was take pictures of the house while walking back to his car. This is the first time I'm dealing with this with bestbuy can you help me?
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2023-08-14
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00}
Consumer complaint received 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

My mortgage ( Lakeview loan care ) is disbursing/using my escrow funds with the incorrect amount for school and general taxes on a parcel ( parcel ID XXXX XXXX ). They are claiming my school taxes for this parcel amount to {$5000.00} per year ( or $ XXXX annual ) and my general taxes {$1800.00} per year ( or {$900.00} biannual ). You can find this information in the doucments attached. This is incorrect, I confirmed with XXXX XXXX ( XXXX XXXX, XXXX XXXX, NY ) that for this parcel my school taxes are {$170.00} for the year and general taxes are {$59.00} for the year. 

You XXXX search on XXXX XXXX land records under section XXXX, block XXXX, lot XXXX to find the approriate amounts for school and general taxes. 

I have submitted bills that I received in addition to current land records and my mortgage refuses to correct this problem. I was told on the phone that they verified these numbers on XX/XX/XXXX with a tax collector and that my information is incorrect. 

My escrow is now in a negative balace ( - {$4900.00} ) and they increased my mortgage to over $ XXXX bringing my mortgage to {$5500.00} per month where I was previously paying around {$4400.00} a month. 

Attached is documents providing proof of what XXXX XXXX wants for school and general taxes and then the escrow statement shows they are paying out {$2500.00} twice and {$900.00} twice. Again this is an inappropriate amoutnt and they have already started disbursing it.
Consumer complaint received 2023-02-06
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-12-20
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. (IL)

On XX/XX/2020 I sent out a letter to Trans Union, XXXX and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.