davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WA)

I've tried contacting CBNA, Wayfair, as well as Citi Bank concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to XXXX, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with Citi Bank, Wayfair, or CBNA or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by CBNA via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.
Consumer complaint received 2023-09-08
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. (WV)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I am enrolled in the public service loan forgiveness and have been since XXXX. My loans have changed hands a number of times and are now being handled by XXXX. I should be due to have them pay off my loans by the end of XXXX. I received a payment count of 64 in XXXX, which then suddenly dropped to 59 and 61 payments. This makes no sense as the payment is applied to all loans, not just one. This does not reflect the length of time that I have been making payments on my loans. I called and asked for a reason and they could not give a reason. I asked for a recount on XX/XX/XXXX and was told it would take 60 days. Today is XX/XX/XXXX. I called them today and was told that it is still being counted and they have no idea when it will be complete.
Consumer complaint received 2023-07-13
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. (IL)

Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, XXXX and TransUnion. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in XXXX  days that the item was verified as mines. It take an investigation XXXX days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with TransUnion and XXXX received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (OH)

Dear CFPB, In asking for your assistance, I am seeking resolution to an unfortunate situation with XXXX, by XXXX Bank XXXX ( XXXX : XXXX. ) Today is XX/XX/2023, and XXXX Bank XXXX has been in possession of ( XXXX ) cashier 's checks that were intended to fund XXXX accounts opened via web portal, on XX/XX/2023. 
Access to the new accounts was subsequently locked, in their yet unfunded state. 
Any security concerns have been acknowledged as cleared by the Bank, as of XX/XX/2023. Quite likely sooner, as the completed affidavit was returned on XX/XX/2023. ( See attached documentation for details. ) The status of these deposits is still in limbo, even though the Bank acknowledged receipt of the funds, and placement in their respective accounts, via XXXX correspondence indicating ( XX/XX/2023. ) XXXX account remains open, showing XXXX balance ( OSA. ) The other, an XXXX month XXXX of XXXX was subsequently closed, flagged as " unfunded. '' ( Email dated : XX/XX/2023. ) Furthermore, after much research, it appears this is a recurrent method of operation, with unsuspecting customers. ( a.k.a., victims. ) Withholding deposits, locking account access, or otherwise stalling using XXXX XXXX in conjunction with " terms of service '' effectively lowers the XXXX, as advertised. This basically wipes out any monetary advantage gained by depositing funds with XXXX, versus their competitors. 
In simplest terms, I've been " screwed '' out of approximately XXXX week 's interest, even though the Bank has agreed to credit my ( XXXX ) cashier 's checks into the remaining account, if I CONTINUE TO WAIT. For what?? 
A somewhat less than equitable solution to my dilemma would be for the Bank to IMMEDIATELY credit the afore-mentioned funds, in their entirety, to the remaining OSA. 
Immediately means today, rather than XXXX to XXXX more days, yet again. 
Otherwise, the sum of my funds should be PROMPTLY returned via Bank check, to the address on file, which was provided when the accounts were originally opened. 
Promptly, means I will not find it necessary to place XXXX fruitless calls to " Customer Service, '' or file another complaint with the Regulators. 
No more perpetual loops of " Call, Wait & Repeat. '' Most average citizens like myself, can not endure the stress, suspected loss, or forfeiture of their life 's savings over these unnecessary hijinks. 
In what reality does it take over XXXX weeks to make a simple deposit into a savings account?? 
Also, do not attempt to purport that the Bank reached out via phone call, or email without response, to retroactively justify the delays. 
Please take time to review the attached documentation, as it will provide the information relevant to the accounts. 
Personally, I will be returning to XXXX XXXX XXXX, as this has been a horrific, and totally unexpected learning experience.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to Transunion, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on Axial Buckhead that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (UT)

CBE Group is attempting to collect a debt that I do not owe. The debt is old and from a place that I worked, my services were free and I have the signed documentation proving it. My old employer actually billed my insurance & got paid and then sent me to collection for the whole amount even though they don't bill employees. 
They do some shady stuff and this proves it! I do not owe this debt and they were paid by insurance anyways. 
I am contacting my attorney regarding their practices as well.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (GA)

This debt was an identity theft with synovus/ first digital. I sent them numerous documents that this debt was fraudulent and instead of rectify the situation they sold the debt to XXXX XXXX XXXX who is now showing on my credit as negative
Consumer complaint received 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I filed my Employment Certification Form with XXXX XXXX on XX/XX/XXXX in order to have my payments counted towards PSLF for the last year.

This form was rejected on XX/XX/XXXX with the reason being that I did not provide an employment begin date ( attached ).

I called XXXX on XX/XX/XXXXand spoke to Operator ID XXXX. She explained that she was not a part of the XXXX  PSLF program and had me transferred back into the main que where I waited and spoke to ID XXXX. ID XXXX seemed confused so I requested to be transferred to a supervisor. I received supervisor ( XXXX  calls them an escalation specialist ) ID XXXX. I explained to him that my Employment Certification Form did have a begin date of XX/XX/XXXX but the rejection letter dated XX/XX/XXXX said there was no date on the form. Escalation Specialist acknowledged the mistake of XXXX behalf and said it will take 10 business days to resolve the matter. He also mentioned to me that the reason why my form was rejected was because they have a start date for me of XX/XX/XXXX at my current employer, not XX/XX/XXXX as has been stated on my two latest XXXX forms from XX/XX/XXXX( approved by XXXX  ) and my latest rejected XXXX Form datedXX/XX/XXXX.

I researched the matter and discovered that XXXX XXXX is relying on my Payment Tracker form for my employer start and end dates ( attached ). This is where XXXX XXXX was getting the incorrect XX/XX/XXXXemployment begin date for my current employer. Over the years I have complained about this Payment Tracker form because it gives incorrect employment begin and end dates. For example, I left one employer on XX/XX/XXXX notXX/XX/XXXX as this form states. I brought my concern up to XXXX XXXX and I was advised that these employment beginning and end dates are determined when my form is approved by the Official who signs them and/or when they are received by XXXX XXXX, thus making them not actual employment begin and end dates. I have expressed a concern that these dates would be relied on in future transactions. Now the brain trust at XXXX XXXX is relying on these incorrect dates and it is holding up the approval of my payment certification.

OnXX/XX/XXXX I XXXX  ID XXXX and explained the situation above. He was not understanding the matter. I was told to wait two weeks. In a nutshell, it is my opinion that XXXX XXXX is too lazy and/or incompetent to actually research this problem. Their workers are not knowledgeable nor do they care enough to fix this problem. I am constantly finding errors on their part at almost every communication I have with them. If my experience above is any indicator, waiting two weeks is an exercise in futility.
Consumer complaint received 2023-05-08
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

" All Rights Reserved ''
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

" All Rights Reserved ''
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2018-04-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (LA)

Certified bureau of the ( that is all that is showing for there name, on my credit report ) I have no idea who they are and I have never received credit, goods or services from this company. One day, I started received calls from this company, they were threatened to sue me and destroy my credit, if I did not pay them {$120.00}, The calls came back to back day and night, I finally gave in just to get some peace. But, I was under the belief, that if I paid them, the account would be cleared from my credit. They completely lied to me and extorted monies from me. 
The original account was from XXXX XXXX XXXX XXXX, I had XXXX when I went to the hospital and I guess this is some type of co pay. But, I never received a call or any mail for XXXX XXXX, stating I had a balance or requesting a payment. I was never given a chance to pay any outstanding balance, if any was due. 

IC SYSTEM has the same approach, they call night and day, threatening to sue and ruin my credit. They called and spoke to my friend, who answered the phone and told him, my personal business and what they were going to do to me. The original account was a XXXX XXXX account for {$67.00}. I don't have account with XXXX XXXX, nor do I owe them and monies and have never received a call form XXXX XXXX or any written notices or bills, stating I owe them monies or requesting monies. This is not my bill and has been placed on my credit report. I do not live in XXXX XXXX, I live in another city, in Louisiana
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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