davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (TX)

My mother used my social security number to open this account XXXX refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my Equifax report
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-11-11
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. (NY)

A medical debt, from a collection agency still shows on my Experian report. I paid the balance in full, XX/XX/2020. I requested that the item be deleted. Experian refuses to remove it. This is causing a negative impact on my credit. 

The collection agency received full pay and has no need for the account to remain my credit report.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 at XXXX XXXX  I tried to make a deposit of {$2000.00} at an ATM and the machine started to reboot on me while making the transaction. I waited for it to reboot and go through its process, but when it turned back on my transaction was gone. The screen gave me an error message saying that the machine isn't working right now, and it took my money without giving a receipt or anything. I filed a complaint on the same day. Then a month later the claim I filed was reversed leaving my account negative with numerous overdraft fees. Weeks later I haven't had any resolution for the money I lost.
Consumer complaint received 2023-05-09
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IL)

have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter
Consumer complaint received 2020-10-05
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

When I re-certified my SAVE plan this year, MOHELA made an error in which only some of my loans continued to remain on SAVE and the rest of my student loans were put on the standard repayment plan, causing my payment to be approximately 4x what it should be and affecting my payment counts for PSLF. I have called 3 times on XX/XX/24. The CSR states that this is a mistake and all my loans are direct loans and should be on SAVE, but they put me on hold and then hung up the phone 2x in a row. I am still on hold now for a total time of 3 hours waiting for an advanced CSR. MOHELA also announces on their website that I would qualify for a refund of payments made during their administrative forbearance, but make it impossible to do so by this process of failing to provide the service necessary to do so.
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (VA)

CONN 'S HOME PLUS CONSUMER ACCOUNT ( FURNITURE ) OPEN ACCOUNT AT STORE : XX/XX/2020 FIRST PAYMENT : XX/XX/2020 XXXX {$400.00} ) FIRST PAYMENT POSTED : XX/XX/2020 XXXX {$400.00} ) SECOND PAYMENT : XX/XX/2020 XXXX {$220.00} ) SECOND PAYMENT POSTED : XX/XX/2020 THIRD PAYMENT/POSTED : XX/XX/2020 XXXX {$220.00} ) FOURTH PAYMENT : ( for XXXX XXXX XX/XX/2020 XXXX {$370.00} ) not posted (? ) by Conns FIFTH PAYMENT : ( for XXXX ) XX/XX/2020 XXXX {$140.00} not posted (? ) by Conns -No billing statements or bill summaries to date from Conn 's since account creation -No credit card issued to represent my active account -No billing activity, payment activity, account number available online via account login -Contact made with Conn 's via ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and received no assistance ; transferred repeatedly to different departments that claimed not the be able to offer me assistance -I made contact with a local store manager " XXXX '' XXXX VA at ( XXXX ) XXXX -Online bill pay via my online account is not capturing my payments properly -Given several different addresses for corporate office, CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XX/XX/XXXX, I mailed off a dispute letter to Transunion, disputing the account, XXXX Acct # XXXX. Transunion did receive my letter and had entered it in their system, as I did see it then under active disputes, with a completion date of XX/XX/XXXX. However on XX/XX/XXXX, I saw that the dispute itself disappeared from my Transunion, and I was never notified of the investigation results. I believe Transunion is neglecting to remove the account from my report, XXXX are doingnothing at all to show it's valid when clearly it's not and have been removed from my XXXX & XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan was sold to Shellpoint in XX/XX/2020. Since they have been servicing my loan I have been blocked from making additional principle payments. I have called several times and it has not been corrected. The first couple of months they kept telling me to wait. According to my loan, it's my right to make additional pre-payments towards principle in order to payoff my loan sooner. When I called in XXXX, I was told I must submit a {$15.00} payment in order to make additional principle payments, they informed me that I could not pay over the phone or online, I must mail it in. I did not owe {$15.00} towards my loan and I'm still confused about why I needed to pay in order to make additional payments. I mailed in the {$15.00} check on XX/XX/2020 and the check was cashed but not added to my account history as if the payment was never made. I don't feel like I'm being treated fair and now I have almost a whole year that I'm paying towards with no additional payments which will cost me triple the amount in the future. I just called again today XX/XX/2020 and was told to prove I paid and send a copy of the check using the online portal. I just complete that process. Today was the first time I was given these instructions. I feel they are doing this on purpose, they know they make more money over time. My mortgage have been serviced by 7 lenders and this is the first time I have not been able to make additional payments and have been charge a fee to make payments. I even paid the extra money in my regular payment to cover it and they still didn't allow me to make additional payments. Please help. Thank you.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 at approximately XXXXXXXX XXXX I contacted Equifax to inquire about a 5 point drop in my credit score. The reason for the drop was due to a " missed payment being removed '' a missed payment from XXXX XXXX XXXX  being removed from my account that occurred almost five years ago. As a standing practice, any negative items being removed from a consumer account is a positive change not a negative change. Yet Equifax used this as a negative impact on my credit score and my score was subsequently dropped 5 points. In addition, when I contacted Equifax about this negative change on my credit score ( which they caused ) the representative stated that I would have to pay Equifax {$10.00} to review my account. This appeared to be an unethical business practice. They purposely reduced my credit score when the removal of a late payment should have either raised my score or kept it the same. It seems that they were hoping I as a consumer would call about a fictitious incident they purposely caused just to charge me to fix or dispute it. They would then fix their premeditated mistake while banking the {$10.00}. This sounds like something out of the XXXX XXXX playbook that is now being implemented by Equifax.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (TX)

XXXX accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 2023-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-24
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. (NY)

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

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

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

Transworld Systems collection company phone XXXX just added to my credit report stating failed to pay bill in amount of {$780.00} Making my XXXX credit score dropping 41 points This charge from XXXX XXXX in amount of {$780.00} for blood work was processed by my medical Doctors office using my XXXX Part B That Covers total amount billed .. 
Don't know why im still getting billed?
Consumer complaint received 2020-11-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CUSTOMERS BANCORP, INC (NY)

On XX/XX/XXXX there was an issue at the ATM. The following day I could not sign into my account to check my balance, the website said my phone number did not belong to the account. After speaking to customer service, I was able to sign into my account. However, they decided to go ahead and put a hold on any remaining balance because of the issue. I never permitted the hold on my account. When I called back, they continued to argue and said they felt in thier decision making that placing the hold on my money was the best thing to do. They told me if I sent them a copy of my driver 's license that I could then have my money back or access my funds from the account. It is a student account. I sent the driver 's license by email with a completed form. They sent back an email saying they didn't understand the email or form or copy of my ID and they wanted further clarification. There is no further clarification for the bank. They are trying to steal what is left in my account and have a replacement card mailed to a different address. I am being harassed and abused by customer service when I call. I am attaching the form they say doesn't make sense.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

Good morning. i am writing you today because my Suntrust checking accounts had a fraud transaction made for XXXX via XXXX XXXX witch nobody knows about. the transactions were made XX/XX/XXXX to a XXXX XXXX. The transactions were done separately 2 for {$500.00} and 2 for {$1000.00}. 

We attempted to file a claims on the fraudulent funds around XXXX, the reason the claim was filed so late is because we had other fraudulent activity on the account we were trying to take care and they were successfully handled but this particular one is just very weird but we will not stop fighting. 

So the claim from XXXX was denied and we were not provided with a valid reason as to why the claim was denied even speaking with a representative the told us " the security team denied your claim we are unable to tell you and the security team doesn't have a direct number so i'm sorry about that ''. So i told the representative that i want to submit a rebuttal form, at this point its XX/XX/XXXX thats when the rebuttal form was submitted. Also me and my mother walk in the bank and also submit a rebuttal form with the bank teller representative. The bank teller also helps us submit a form because he taught it was ridiculous too. So both forms were submitted less than 45 days later the rebottle claims came back denied. The email read " we have received your and reviewed your letter, the document failed to give any additional details that would overturn the decision rendered on your case ''. It was very heartbreaking, my mother and i went over to to Suntrust bank again to see what we can do and the teller told us its nothing i can do " these type of situations happen all the time ''. She even tried to call the representatives on the phone but they were still not able to provide a valid reason on why it was denied. So now here i am still fighting to get justice on this situation.
Consumer complaint received 2022-10-17
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. (FL)

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.

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX 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 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 2024-03-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.