davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
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. (OR)

I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.
Consumer complaint received 2022-12-31
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. (MI)

In accordance with the fair credit reporting act conversion account numbers have violated my rights. 

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

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 2020-03-28
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. (IL)

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I paid {$2300.00} through the Macys website to my store card account. This was the balance owed on the account. A day later I called in to customer service to verify that as a result of paying this amount I could close my account. The representative concluded that my balance was XXXX. I told the representative to close my account. At approximately XXXX XXXX  on XX/XX/XXXX I received a confirmation email that my balance was XXXX and my account was closed. Between XX/XX/XXXX to XX/XX/XXXX I started receiving about 5-6 calls daily from a number that came up on my phone as spam risk. After getting these call for a few days I answered one where the representative said they making a collection call for my Macys account, she said I owed {$41.00} of interest that accumulated since I closed my account before the end of the billing cycle. She also said I owed late charges because I hadnt paid the {$41.00} since they sent a statement. I told her was not mailed a statement as such I wasnt aware I owed anything as I closed account in XXXX. I told them they needed to cancel charges as illegal they refused and submit amount up credit bureau. I told them I would pay the {$41.00} but not the late charges. This was completed on XX/XX/XXXX and again I was told my account was XXXX and closed. On XX/XX/XXXX I received a statement that stated I owed {$2.00}. I think this is abuse as I have closed all my credit cards except 1 within the last 3 months and have never gotten a statement saying I owed them or a negative report on my credit reports
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

The Account XXXX XXXX XXXX XXXX  is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed!
Consumer complaint received 2020-03-16
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

After watching the ads by XXXX XXXX XXXX. about their allegedly all purpose efficient satellite internet service, I decided to engage their services by contacting them online. A technician arrived on XX/XX/XXXX to install a satellite dish and a modem. Then he made me sign on a blacked out tablet twice allegedly to confirm that he was there to install the equipment and that I was satisfied with his service. To my dismay as soon as he left I found out that the internet streaming service by XXXX is unusable for my subscriptions to XXXX XXXX XXXX and XXXX being interrupted every few seconds with buffering and pixilating images. This was not corrected despite my calls to their help technicians for five times. At last one advised me to watch my movies only from XXXX XXXX  to XXXX XXXX. I tried that but that didn't work either. I tried to wait until XXXX technicians could finally solve this problem. But by XXXX week of XXXX, I have had enough and immediately sent a certified letter dated XX/XX/XXXX and received at their main office as of XX/XX/XXXX. Thereupon I went into my account and instructed Capital One XXXX XXXX that I was disputing all of the collection charges by XXXX XXXX XXXX. Over the course of about two months from XX/XX/XXXX to the present, there had been series of messages between me and Capital One with that company crediting back to my account the charges of XXXX XXXX but later putting them back as collectible dues after that company serves them the usual contesting messages citing a contract that tied me to their service for two years. I did not sign that contract which was simply sent to me via e-mail and I believe my signature on a blacked out tablet was gained through subterfuge and fraud. And yet, Capital One consistently sides with XXXX XXXX. My position is that the transaction is void because of failure of delivery of satisfactory service.
Consumer complaint received 2021-04-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I have had a problem with bb & t a year before they merged with SunTrust XXXX XXXX had XXXX of dollars disappear causing numerous overdraft fees and inefficient funds now its only has gotten worse so from XX/XX/2019 I have had a lot of problems and issues but I'm still giving them my business because they say that they will resolve everything but it keeps happening right no my account is negative and I have to have my pay check come on a money card this is ridiculous!!!! It's has been a total of about over XXXX!!!
Consumer complaint received 2020-03-28
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. (OH)

On XX/XX/XXXX a routine check of my credit score showed a drop of over 100 points ( above 800 to below 700 ). I checked my TransUnion credit report and there was a fraudulent account listed. 

The account was a XXXX XXXX account opened without my authorization on XX/XX/XXXX. 

I submitted a dispute to TransUnion on XX/XX/XXXX. I received the results on XX/XX/XXXX. Their findings were that this was a verified account. That is incorrect. I contacted XXXX. I have in my possession an email from XXXX stating that they " investigated your claim and determined that you're not responsible for any of the charges '' to my account. 

How can I get TransUnion to rightfully remove this fraudulent account from my credit report??? 

Thank you.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am almost done with my home mortgage with Nationstar dba Mr. Cooper. My XXXX statement showed an outstanding balance of {$390.00} due XX/XX/XXXX. I immediately sent them a check for the full amount which they cashed XX/XX/20 ( plenty of time before the due date ). Shortly thereafter I received in the mail a check from Nationstar for {$390.00} with no explanation and continued to receive emails that my payment was due. I wrote them a letter on XX/XX/20, including their uncashed check and copies of my correspondence via their secure message center on their website, and my payment history showing their receipt of my payment. 
I have not received any response from Nationstar other than generic replies each time I send them correspondence that they've received it, will check into it and get back with me. 
Well today I received a XXXX statement due XX/XX/XXXX in the amount of {$2500.00} with a {$100.00} late fee. I am XXXX years old and feel they're trying to scam me. Please help. 
I've received emails that state they will charge {$19.00} for phone calls and the calls I've made to them have been very unhelpful as the operator was not knowledgeable and gave misinformation. 
I will attach both the XXXX and XXXX statements and the payment history from their website. 
Thank you, kindly,
Consumer complaint received 2022-12-31
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. (TX)

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. 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 Hard and soft inquires XXXX 

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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-02-19
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-05-05
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. (PA)

XXXX hasn't has cancelled several disputes involving the use my report. I never gave consent to Experian and is violating my rights a s a consumer by reporting false information on my report.
Consumer complaint received 2020-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I got a federal student loan for the University of XXXX. I graduated in XXXX. I paid on the loan up to XXXX when I filed for bankruptcy. Between that time and XX/XX/XXXX I filled for a forbearance. The original amount owed was around {$40000.00}. I got the Student Fed loan consolidation on XX/XX/XXXX. Between then and now they are saying I owe {$100000.00}. I have requested a copy of any documentation at the time of loan origination. The credit report at that time. Also on XX/XX/XXXX the addition of {$31000.00} to the principal balance.
Consumer complaint received 2020-03-28
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: HUNTINGTON NATIONAL BANK, THE (PA)

Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, This account is being reported by XXXX XXXX XXXX XXXX from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone Rep XXXX XXXX Employee # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the credit report.
Consumer complaint received 2020-03-28
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)

A ) On XXXX, I submitted a complaint with CFPB about my credit file being mixed with someone else 's on Equifax 's computer generated authentication question system. 

B ) The CFPB send me, on XXXX, a reply that the case was closed because the company responded. 

C ) The company 's response neither addresses nor repaired the problem. Since the CFPB closed the case, I have no choice but to open this new case. 

D ) Rather than putting copious details here, please refer to Case # XXXX. 

E ) Very Brief Summary : When someone calls Equifax or tries to set up an account at My Social Security.gov XXXX and others ), a series of questions are presented by an automated system. The questions are meant to verify one 's identity by asking details about the person 's credit history. 
The company Equifax has me mixed with someone else on the computer phone system. 
The questions asked do not apply to me. ( Examples- 1 ) Previous Name. I have no previous name 2- Former Address The choices are for states in which I have never lived 3- Current Auto Lease Payment. I have never leased an auto & have no current leases of any kind. There are more.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (KS)

When Bayview ( now community loan ) took over the loan ( from chase ) they would not accept chases forbearance agreement. Even though this was provided to them and multiple conversations occurred. Bayview went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I found out they have been harassing a former roommate of mine trying to get my contact information. 
This is a person I lived with for one summer, over ten years ago, and I havent even talked to for several years.
Consumer complaint received 2020-03-16
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. (TN)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.