davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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. (NV)

On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im disable of one hand so its some what dificult when right handed and only have 4 fingers well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, MA XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2017-07-26
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. (GA)

The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX Bank and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?
Consumer complaint received 2023-01-26
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. (CA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX 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 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, a balance transfer check was sent from HSBC bank to XXXX at my request, as HSBC was offering a 0 % balance transfer. Unfortunately, the payment address I provided was incorrect, due to the fact that HSBCs website asks for the provider address, not the providers payment address. I contacted HSBC by  telephone on the XXXX to find out if I could stop payment if it had not already gone out. Instead of telling me that the payment had gone out, the agent stopped payment on the check. Once she finally told me that the check had already gone out but she went ahead and stopped the payment, I became irate and told her that that is not what I wanted.She then put in a request to have the stop payment canceled. I called back a couple of days later and was told that the payment address was irrelevant, because the balance transfer should be processed electronically. 

I received a communication from XXXX on XX/XX/XXXX stating that my payment had been returned by the shore. I was then charged an NSF fee, my payment transaction was reversed, and I have accrued interest on that balance. I made calls to HSBC every few days beginning on XX/XX/2019. Each time, I got a new customer service agent who could not tell me what was going on with the balance transfer. They all said that they had no idea where the funds were, as it showed that the transaction cleared on their end. My most recent call to them was XX/XX/2019. Each time I called, the agent assured me that they would have it looked into and someone would call me back. I have never once received a return phone call from HSBC. Further, there is no way to upload any documentation when sending a message to HSBC to show that their own transaction had been declined. 

I sent an online message on XX/XX/2019 indicating that I would be filing a complaint. When I logged in this morning, my balance now reflect that the transaction was reversed, but the date of the reversal is listed as XX/XX/2019, which is false. I have also been required to make the minimum payment on the balance including the balance transfer, rather than my very small purchase balance. 

This erroneous charge and length of time to find their own money has affected my credit in that it has shown to balances where only one existed. It is also cost me extra money in fees and interest, payments to two credit card companies ( when there should have only been one ), as well as my time and stress and trying to get the issue resolved.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian refuses to update my personal information, they dont even give you a chance to dispute the addresses, names or social security numbers that are not yours. I have over 35 inaccurate pieces of personal information being reported that will not update to my current address or correct previous addresses, including 3 different social security numbers, 7 different names, and 20-25 inaccurate addresses not affiliated with me.
Consumer complaint received 2020-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IL)

On XX/XX/2020 ROZLIN FINANCIAL GROUP placed a collection on my credit for {$54.00}.

I do not owe this company any money. This collections account was placed on my account illegally. Please assist ASAP!
Consumer complaint received 2020-12-18
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. (FL)

Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.
Consumer complaint received 2020-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are CHILD SUPPORT ENF AG N, XX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MA)

On XX/XX/20, XXXX XXXX  issued a check on my behalf for a credit card balance transfer to Citi Card ( XXXX, KY ). The associated account number, and intended bank to receive the payment was XXXX XXXX. On XX/XX/20, Citi Card deposited this check despite having no relevant account associated with my name or for that matter any account with the account number shown on the check from XXXX XXXX. 

On XX/XX/20 XXXX XXXX advised that I should contact Citi and have them return the payment. They forwarded a copy of the cashed check. Upon calling Citi, they refused to take any action since it was not associated with any account I held or could they find any record of it and advised that I have XXXX XXXX  stop payment. 
I had XXXX XXXX stop payment around XX/XX/20. I was advised by a XXXX XXXX Credit Card service supervisor that it would likely take up to 2 weeks for a response. Further, when I asked what happened after that if it remained unresolved, I was advised that the bank would be able to follow up directly with Citi. 

On XX/XX/20, after allowing more than the recommended 2 weeks to pass and seeing no activity, I contacted XXXX XXXX  for an update. This time, I was advised that I needed to have Citi return the money. Thus putting me back in the loop of no action and having to continue to pay for a {$4900.00} check issued to the wrong bank and fraudulently cashed by the receiving bank who now refuses to take any follow-up action. 

Neither XXXX XXXX or Citi wants to address the resolution and each bank has profited by {$4900.00} one through a fraudulent acceptance of the check and one through failing to retrieve a disputed payment.
Consumer complaint received 2022-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CT)

I contacted Aidvantage on XXXX and requested a XXXX  student loan repayment refund for all payments made since XXXX XXXX XXXX. 

I was later told that my refund request was processed on XXXX  and that it would take the Treasury department 10-12 weeks to issue me my refund through direct deposit ( the method I paid ). 

I have not seen my balance updated on Aidvantages website. It has now been 8 weeks and I called Aidvantage on XXXX following up on the status of my request. I was told that it has not been processed and that it is taking kind of long so the representative would insert a note that it should be expedited. The representative then went on to say that it may still take an additional 2-4 weeks on Aidvantages end. 

I was told initially ( XXXX ) that it would take 10-12 weeks for me to receive my refund. 
After 8 weeks why hasnt my student loan balance at least been updated and my refund sent off to the US Treasury?
Consumer complaint received 2020-12-18
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. (MA)

Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between Experian and XXXX. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2  credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for Experian is XX/XX/XXXX, but XXXX shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX  XXXX XXXX XXXX  be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (FL)

On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; 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 XXXXXXXX were properly investigated, however 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 is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2020-12-19
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)

On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today XX/XX/XXXX called XXXX clothing retail store in reference to a return in the store on XX/XX/XXXX. See return receipt attached. I purchased item online XX/XX/XXXX. Spoke with a manager XXXX as she stated they released the funds back to my debit card for {$34.00} act # ending XXXX on XX/XX/XXXX. I said its the XXXX & still no credit. I asked if she can stay on the phone line so I can call my bank BOA to very why I haven't rec'ed refund. Called and asked for a manager XXXX XXXX. Authorized to release my banking info to XXXX, with both XXXX and BOA online. Per XXXX with BOX they dont show the return as I told her I want my money back as I did what I was supposed to do and have a return receipt. XXXX also provided XXXX with a ref # showing the release on the XXXX-ref # XXXX. XXXX continued to ask the same questions over again and tried to change the subject and brush us off. Refused to acknowledge the issue and cont to make excuses on how they never recd it. She did not want to help and made every excuse possible. I said i want my money and you are in violation by holding the funds. I also asked her what do I need to do to get my money as she gave me a hard time in refunding my money. She asked me for the 6th time the amt, dates, she then asked WHY did I return the item in which has nothing to do with a return, I told her I didnt want it. How dare she even have the audacity to ask me why. She asked if i know their cancellation policy, I said this is not a cancellation, its a return. She then then says do you know their return policy, I said what is it to you? I returned it and have every right to a refund regardless of why or return policy from a clothing store! This is a right to policy and when does a bank have the right to require a reason for returns and being aware of a return policy from the store? Regardless if I had known or not, do I not receive a refund? She then asks what's the return number and I said I dont know, she then says well I cant file a dispute for a refund. 
BOA has NO RIGHT! Due to their incompetence and treated me unfairly, refused to refund my money after verifying the refund, dates, amounts the store, etc and she she refused to file or provide a credit is a violation. The bank can not decide on a credit because of the reason I returned the item. For this terrible treatment and caused my to have lower funds as I planned to place the amt in another act for a purchase. Now that they have treated me unfairly and refused to refund my act I request this bank to deposit/credit {$500.00} for their mistakes and errors as they have purposely refused to refund act for financial gains and inconvenienced me and my valuable time.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

There are accounts as old as 2011. 15 US Code 1666b. 15 US Code 1692c. 15 US Code 1601. I never gave permission. The companies XXXX, XXXX, and Experian have put numerous soft pulls when using their service.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.