davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (GA)

Re : Navy Federal Credit union Installment loan I disputed the referenced accounts above on with XXXX  & it was deleted XX/XX/2019, I have proof. The credit report of XXXX  ( notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX
Consumer complaint received 2020-03-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (FL)

I have a Total of 20 Missed Payments but in the past, I asked to be put on deferment and in the past, I was searching for work in the career I studied for. At that point, I shouldn't have these missed payments as I had studied while also putting the loan on deferment to be on good standing.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (KY)

Constant calling. Calling at all hours. Do not owe anyone anything. Credit rating is in the 800s. Never leaves messages. Just want it to stop. Credence is the name of the caller. Please help
Consumer complaint received 2020-03-16
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: EQUIFAX, INC. (PA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.
Consumer complaint received 2020-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: J & B Endeavors, LLC (MD)

Spoke with the Student Loan Movement company in XXXX about why my payments were not showing up on my federal student aid website as going towards my actual student loan. I was told that it wont show until I make my final payment to them. When speaking with the US Department of Education it was brought to my attention that this company that I have been paying since XX/XX/XXXX is not a legitimate company associated with them nor do they have any knowledge of this company since my student loan is actually consolidated through XXXX XXXX. Spoke with XXXX XXXX today as well and they have no recollection of this company either and started that no consolidation company is suppose to ask for a persons Federal Student Aid login, also they had created a whole new bogus email where XXXX XXXX was sending information to. Plus XXXX XXXX let me know that I was not to be making any payments until XX/XX/XXXX. I was told by both US Department of Education and XXXX XXXX to call my bank since I had a card on file with Student Loan for automatic payments. I made 6 payments of $ XXXXmonth from XX/XX/XXXX to XX/XX/XXXX. Then $ XXXX monthly payments starting XXXX XX/XX/XXXX with the last payment being XXXX XXXX since canceling with them today.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

My student loan accounts ( 10 of them ) by FedLoan reports 4 months of late payments which my account was ( and still is ) in Forbearance during those months. Account has been in forbearance since XXXX XXXX XX/XX/2020. NO LATE PAYMENTS Should be reported. During those dates. 
I had tried disputing it through all 3 credit bureaus as well as With the creditor ( FedLoan ). They incorrectly updated by credit report to show that my forbearance will start XX/XX/2020. This is incorrect. When I called FedLoan they said I could not speak to anyone in any department to correct this issue. 

4 months of late payment on 10 Student loan accounts =40 negative hits on my credit score.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (FL)

A company named XXXX XXXX has called me repeatedly, including in the middle of hurricane Ian, and has not told me any information about the debt. I have continued to ask them not to contact me by phone but to contact me by mail only. I have not received one thing in the mail but they continue to call and text me from all different numbers. This is all during a time when Ive lost my dad, my dog and my ex, which we remained friends, and added unnecessary emotional stress. If I knew what the debt was from I would have setup an arrangement to pay as I have worked very hard to fix my credit over the last 20 months. I dont even see anything new on my credit so at this point its obviously just harassment and wish to peruse this to the extent possible. I apologize for the vulgarity in one of the attached text messages but this was after many phone calls including one the day after my XXXX XXXX the woman called me back twice after hanging up on herXXXX you in advance.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/23, I noticed an unauthorized charge on my checking account for {$210.00}. I reported it in person to Citibank & my debit card was replaced & password changed. A fraud investigation was opened & the amount was returned to me during such. As per usual protocol when an investigation is opened, I received a " followup '' call on XX/XX/23. I was informed that there were other unauthorized transactions being attempted in other states. After answering the " followup '' questions, I attempted to use my debit card & the payment was declined. I was unable to use my online banking app. so I returned to Citibank to find out why. I was told by the banker that unfortunately, the person on the followup '' call was not from Citibank & that my total checking account ( {$1900.00} ) was XXXX  to XXXX XXXX ( someone I do not know ) and I was informed that I had apparently authorized a " person to person '' transaction over the phone. Citibank stated that since I gave information over the phone, they were not responsible for my loss! I have been a customer of Citibank for over 35 years and the protocol of the followup call is always normal to expedite an investigation. How would someone even know that I had filed a fraud investigation with Citibank without a breach in their security network? Please help
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Since XX/XX/2020 Capital One has decided to start holding funds of which I now have to call them and they call my Bank to verify funds and then they make a exception to release the funds even though they took them out 3-5days prior. 

Now I have been on the phone for over 2.5hrs as they once again holding funds typical garbage 2-3x week call this time they verified the funds but did not put all the funds in not even half stating they are going to hold the funds for a extended amount 30-90days to make sure no Fraud.

I am the Owner of the Card and use this for my XXXX XXXX and been charging 1-2k a month for over 6 months and now since this year specifically its been nothing but a nightmare holds, customer service is terrible as they dont understand and dont care.
Consumer complaint received 2020-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Client Services, Inc. (FL)

My digital wallet was closed by XXXX and sent to Client Services and reported ad bad debt written off..We agreed to settle the account for {$320.00} which would be full payment and account was to be reported as fully settled. I made the payments in installments on XX/XX/20 for {$150.00} and XX/XX/20 for {$150.00}. No corrected report has been sent to the credit bureaus.
Consumer complaint received 2022-03-24
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

I have an account with XXXX XXXX XXXX and I mailed a check with bill pay back in XX/XX/XXXX. Somone other then the intended payee cashed the check mobile deposit with BMO Harris bank and the account number it was cashed to was listed on the check. My bank filed a fraudulent claim in XX/XX/XXXX and they are still waiting on this to be resolved in XX/XX/XXXX and I have not received my money back for the forgery of the check.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX I ask them to take XXXX XXXX XXXX off my report that not my address never stay at that address they told me they couldn't all they did was updated it i also I go by one name and that XXXX XXXX I ask them to remove all the other names and nothing happen
Consumer complaint received 2020-03-16
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. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from CBE group even though it was said it was taken care of.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NY)

I am a victim of identity theft. I discovered it in autumn of XX/XX/XXXX when I tried to open a credit card with XXXX XXXX. 
I believe my information was stolen after my first visit to the US in XX/XX/XXXX and used from XX/XX/XXXX to XX/XX/XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XX/XX/XXXX to autumn XX/XX/XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. 
I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and XXXX XXXX. 
I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. 
XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. 
XXXX went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history. 

Account numbers are the following : XXXX XXXX XXXX, opened XX/XX/XXXX, {$25000.00} XXXX XXXX XXXX, opened XX/XX/XXXX, {$16000.00} Both accounts are charged off. 

Please let me know if you need any additional information on this.
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: EQUIFAX, INC. (VA)

This is to inform you that EQUIFAX unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XXXX XXXX  XX/XX/2022 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Also, EQUIFAX did not follow METRO 2 COMPLIANCE LAWS when they put these violations of late payments, inquiries, and wrong addresses on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY!!
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

I recently recertified my employment for PSLF. I have XXXX loans. For XXXX of them, MOHELA says Ive made XXXX qualifying payments. For XXXX, they say Ive made XXXX qualifying payments. I printed out statements to find the discrepancy and noticed that the XXXX loans that show XXXX fewer payments are missing many ( some are missing all ) of the months starting XX/XX/XXXX and ending XX/XX/XXXX. In that time period, I had XXXX qualifying periods through the special waiver - XX/XX/XXXX through XX/XX/XXXX. I do not know why these months, XXXX of which are eligible towards the loan forgiveness count, are excluded entirely from XXXX of my loans and believe that is an error. I would like those months considered and my PSLF payment count updated on all loans to reflect them.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one bank, falsely advertising through a notice that to remove the secondary account holder, i only had to call the number that appeared in the ad. which i have tried many times, and the results has been negative. after 2 years separted and divorced ... ..now my ex husband recived child support from a court to remove money in my account { im the primary holder } the order was for XXXX. i was trying for the last 2 years to remove him from the account. but for some reason the bank not let me do it.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONEMAIN FINANCE CORPORATION (MD)

I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill  collector located in XXXX - XXXX, XXXX and XXXX ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.