davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Between XX/XX/XXXX and XX/XX/XXXX Sallie Mae, now Navient, outsourced customer service calls to XXXX. During that time period, those customer service reps repeatedly informed me my loans were eligible for the Public Service Loan Forgiveness Program when they were not. I missed out on 3 and a half years of  participation in the program.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, XXXX
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I applied for a mortgage from Amerisave Mortgage Corporation on XX/XX/2022 and paid {$500.00} fee for getting a mortgage loan. Since I didn't find a suitable house, I requested a refund of my fees, and they denied my request.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-28
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. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-10-20
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)

I asked the credit bureaus to do a theral review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, safe rent solutions. have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (PA)

This is 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 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (MA)

In XX/XX/2023 I went into Key Bank in XXXX, XXXX, to complete the sign on process. I was offered {$200.00} to switch my bank account. I was in a domestic XXXX situation and was in a safe house. The employee named XXXX assured me I would receive this sign on bonus if I switched my direct deposit. Before leaving XXXX to come to XXXX as my divorce was final and I was safe I stopped into this branch to make sure everything was still ok and I would receive this bonus. I have called customer service and the branch I signed up at. They say that they do not see the code and they are sorry. I told them this is fraud and I would proceed up the chain of command, so to speak.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. ()

As per my earlier complaints to you CASE XXXX Citibank USA finally sent the check for {$8500.00} they wrongfully took out of my checking account. This problem with Citibank USA was fully documented in earlier complaints to you. When I finally received the check for {$8500.00} thanks to your help I deposited it into my XXXX bank account with First Direct part of XXXX on the XXXX of XXXX. Today I received a letter ( attached ) from XXXX with a copy of the check saying that Citibank USA stopped the payment on the check and they could not deposit it into my account. This is after waiting since XX/XX/XXXX for Citibank to correct all the mistakes they made. I have sent a letter to the CEO of Citibank again ( attached ) because I have no idea what cause they would have to stop payment on the check and not even notify me. This is yet another outrage. I am reluctant to call Citibank because my experience calling them over the past two months has been totally negative. No one ever helps me and I have now spent XXXX calling them to try to resolve the situation. After taking so long to give me MY money why would they do this? I hope you can help get this resolved. According to Citibank USA my case is closed. I say it is not as I have not received my {$8500.00} back. As per my earlier complaint to you yesterday, I also wantinterest and compensation. But even more critical is that I am given MY money. Please help.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NC)

ON XX/XX/2023, I CALLED AVANT CREDIT CARD COMPANY TO PAY MY BALANCE IN FULL. I WAS INFORMED THAT I NEEDED TO PAY {$470.00}. I PAID THE BALANCE AND WAS TOLD THAT I HAD A {$0.00} BALANCE. ON XX/XX/2023, I CHECKED MY CREDIT REPORT AND FOUND THAT AVANT STATED THAT I OWE THEM {$3.00}. I CONTACTED THE COMPANY AND INQUIRED. I WAS TOLD THAT THE {$3.00} WAS INTEREST. AVANT PLACED THIS INTEREST ON MY ACCOUNT ON XX/XX/2023. I REQUESTED THAT THEY REMOVE THIS BECAUSE ALL INTEREST STOPPED WHEN THE BALANCE WAS PAID. AND, THAT THEY INFORMED ME OF THE PAYOFF BALANCE. I PAID WHAT WAS TOLD AND THAT THEY SHOULD REMOVE THIS INTEREST. THEY COULD NOT EXPLAIN TO ME HOW THE INTEREST ACCUMULATED ON A {$0.00} BALANCE. I SPOKE WITH XXXX, SUPERVISOR. SHE REFUSED TO REMOVED THE INTEREST AND I REFUSE TO PAY MORE MONEY WHEN THE ONUS WAS FOR THE AGENT TAKING THE PAYMENT TO PROVIDE THE PROPER PAYOFF AMOUNT.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (PA)

I was never late on a payment. The monthly amount was automatically sent. At the end of the lease there was a lease termination fee that was not included. I had leased several times through this company. This was not automatically paid. This did not come to my attention for several months and was immediately paid through biller website. 
It is listed as sent to collections.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

I mailed a check to my landlord through Chimes app on XX/XX/XXXX for {$950.00}. The check was returned uncashed by XXXX XXXX XXXX. Despite sending the letter from XXXX XXXX XXXX to Chime numerous times over the past two months, they still refuse to acknowledge that the check was returned uncashed and refund my account.
Consumer complaint received 2023-01-04
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. (NY)

I received a credit alert stating my account is 30 days past due and now delinquent. As per XXXX payment was not received for XX/XX/22, which I have 10 days before I am charge a late fee and 29 days before it is delinquent. As per Transunion payment for XX/XX/22 was 30 days past due, However payment was received on time. For the past 2-3 years payments towards my XXXX XXXX XXXX XXXX was paid before the 30 day past due mark.
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have file serveral disputes with Capital One, Capital One they have fail to delete transactions and experiences between XXXX XXXX and Capital one. The FCRA Specifically said 15 USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 term Consumer report does not include transaction and experiences. ( # XXXX XXXX, XX/XX/2022, / 90 Days ). Capital One has repeatedly reported transactions and experiences that they listed. According to your Law according to your FCRA transactions and experiences or not included on the consumer report. This is a formal complaint for and FCRA Violations by Capital ONE for this person. 
Tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cawley & Bergmann, LLP (LA)

I had contacted the debt collector to negotiate a settlement and begin paying my debt that I was owed and he threatened me that I was in pre-litigation status and I had to pay this month. If I don't pay it will be forwarded to a legal attorney for judgement. I had to tell them I can't pay this month, it had to be next month because thats when I will get paid. The threats were not necessary for someone willing to pay.
Consumer complaint received 2023-04-12
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-16
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. (TX)

Transunion has decided to once again add fraudulent information that was originally submitted as identity theft back onto my credit report. I have to call them almost every month to get this resolved, and transunion continues to change the name of this credit account and then re add this back. 

I never opened an account with XXXX XXXX. I do not own this account, This account was opened as a Result of Identity theft. Someone stole my wallet, and then used my information to open this account. You already have an FTC Identity Theft Law enforcement affidavit on file with your Specialized Fraud team yet you still continue to re add this back onto my credit file after previously blocking this account. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} Owed < - This is not my account. Originally two months ago this was XXXX, then it went to XXXX and then to now XXXX XXXX. This account is fraudulent and should be permanently blocked per FCRA Law.  Please review my Identity Theft Affidavit that you already have on file. 
XXXX XXXX XXXX CARD SERVICES XXXX, GA XXXX Additionally Transunion allowed an inquiry from XXXX XXXX on XX/XX/2018 and XX/XX/2018 this is a fraudulent inquiry that I DID NOT AUTHORIZE.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have disputed information Midland Credit Management on this account several times and the company has never sent any documentation of the alleged debt information to my address validating the amount owed. I also disputed it with XXXX and they denied the bureaus request. In XXXXXXXX 2022 several phone calls were placed to alleged creditor XXXX XXXX XXXX with the correct amount owed, however company refused to send original documents including a signature where I agreed to pay them for any debts owed. The account was sold to another company without my knowledge permission or agreement where it accrued daily interest, again alleged creditor was asked to confirm amount owed but refused to send letter ( I am unsure of which company the account was sold to, it was closed by original creditor and sold to another bank ). Account was sent into collections in XX/XX/XXXX 2022, no letters were received via mail about the account and the balance reflected on original credit file was XXXX . In XXXX 2022 I was living in another state and another location. I was never sent a letter from the creditors about my account.