davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
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. (MI)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

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 XXXX XXXX XXXX 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.
Consumer complaint received 2021-11-25
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. (MI)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

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 XXXX XXXX XXXX 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.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 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 2021-11-25
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. (CA)

I have a store credit card through XXXX XXXX for XXXX XXXX XXXX company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from XXXX XXXX to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the XXXX day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop XXXX points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this matter.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AL)

Ive received a letter from XXXX notifying me about my {$180.00} due balance, set up an arrangement online and start paying to the actual site and they have still hit my credit report saying I owe a balance of {$180.00}. I am asking for this collection to be paid and removed.
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I.C System has been reporting debt that has never been owed and was paid directly to XXXX. In addition i have tried numerous of times to have issue resolved with them however they refuse to do anything about it. They never validate debt correctly, they provide wrong information to Credit Bureaus which in return damage my credit and reputation. Most recently for the month of XXXX they have affected my credit drastically by XXXX points by double reporting- this is not the first time they have done this back in XX/XX/XXXX they attempted to do the same however they deleted one of the profiles and continued to attempt to collect for the same items that have already been paid in full. This month of November they decided to double report negative inaccurate information once again. They reported account twice in one month with Zero Change one action was done on 1XX/XX/XXXX second action was done on XX/XX/XXXX which is in violation of the FTC Reporting Act i am emotionally drained and devastated with dealing with this company and all of their illegal tactics. It seems that they are not held accountable for any of their actions.

I have already asked them to seize communication with me in addition i am ready to file a report with local police department as well as i have never owed this debt to XXXX or IC Systems.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX Account number : XXXX Has all 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (CA)

XX/XX/XXXX I closed my IRA with Suntrust because they don't have any branches in XXXX XXXX. As a result, I was apparently sent a check of {$200.00} issued by Suntrust XXXX, with the instrument number XXXX -- but I never received it despite regularly receiving multiple types of correspondence from Suntrust before and after closing the IRA. 

XX/XX/XXXX I reached out to Suntrust regarding the {$200.00} check that I never received. Both persons with whom I spoke informed me that I would have to fill out a form and have it notarized : a " Lost, Stolen or Destroyed Official Check Or Similar Instrument XXXX XXXX and XXXX of Loss. '' XX/XX/XXXX I realized I would have to pay a notary {$65.00} to receive back my {$200.00}. Notaries weren't working in offices due to the pandemic, so there was a {$35.00} house call fee. Yet Suntrust mailed me the XXXX XXXX form just fine and I still hadn't seen my check in the mail. Furthermore, to spend {$65.00} meant I was being fined for the bank 's loss of my check. And there was no guarantee that spending the money would actually ensure receipt of a second check. It was a quandary. 

XX/XX/XXXX I recently learned about the CFPB handling a case similar to this one -- with success! So, now I would like to obtain the {$200.00} from Suntrust that is rightfully due to me.
Consumer complaint received 2021-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (SC)

I filed a police report and FTC report back in XX/XX/2021 for Identity Theft and submitted it to XXXX and they refused to remove this Item in the amount of {$16000.00}. The account was recently updated on XX/XX/2021 which is innacurate. I also challenged the company Regional Acceptance and they never responded. I dont know where this debt came from. I have always paid my bills.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Complaint with EdFinancial and XXXX loan servers. I made a payment to EdFinancial for 2 loans in XX/XX/year>. Those payments were not applied to my loan balances, when in contact with support I was asked to provide documentation of payment, I submitted the documentation via email and EdFinancial received. Payment was still not found and loans were transferred to XXXX. EdFinancial stated that they were no longer able to help me with this problem due to no longer being my service provider. XXXX continues to state that they are waiting to receive the payment from EdFinancial. I asked XXXX to provide me with documentation of the payment and my loan balances and they state they are unable to provide me with this information.
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Lincoln Capital, LLC (ME)

I received a loan to build a spec home in XXXX, XXXX. During construction Lincoln Capital allowed my Realtor XXXX XXXX and the buyers Realtor XXXX XXXX to authorize payments to contract friends of theirs without my consent or knowledge. Any time I spoke up I was pressure by Agents of Lincoln in concert with the Realtors to agreed to terms that weren't part of the contract and threatened to take the house if I didn't agree. I have several recordings with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX where all of these allegations hold true. Furthermore, after the first closing fell through Lincoln hit me with a XXXX fee for an extension I didn't sign, wouldn't compensate a contractor who check I had to return and they added fees for appraisals and other items that were previously the responsibility of the buyers. On top of all this egregious conduct was the fact that they illegally altered the payoffs for my loan in order to escrow funds for the buyers without my consent ( This is also on the recording ) This closing was set to happen on XX/XX/year> and my name is XXXX XXXX. Lincoln is a small company so they will know who this is and I'm preparing a lawsuit against them anyways so I'm not worried. Lastly, Lincoln Capital and a lot of this evidence is already part of a pending lawsuit that's went all the way up to the Supreme Court XXXX and XXXX in the XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-25
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (VA)

XXXX21 Navient or someone they hired called my girlfriend 's parents. XXXX XXXX and XXXX XXXX. Both of them and provided information enough for them to know it was an attempt to collect a debt on behalf of Navient. I am not sure why they call random people when I have confirmed my number and address multiple times. 
I have made offers how to settle the debt, but the company says they do not have the authority. I quit taking their calls.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I was apart of a scam for XXXX XXXX that made me deposit money into a business checking account for JP Morgan, Chase bank. Im possibly being prosecuted because I cant get that money back. I was sent XXXX to my personal check Account at another bank and I was told to take out {$3400.00} and deposit it into an account at said bank. Ive tried contacting the bank but no one seems to give me any information about it because Im not a customer there. I have proof that I deposited into said bank account and I also have proof that I was told to do so along with the account number. I need that money back so Im not sent to court or jail. I will definitely do more research on this next time before I accept any kind of job offer. I dont want my family to suffer just because I thought I finally got a break from life.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

When I signed in to view my charges Citi notified me of no statements sent to me, and that I needed a code number to view my account. I call the number that was on the pageant after XXXX calls I still have no answer and can '' t sign on to my card.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Have repeatedly called CBS to ask for a hard copy itemized statement as to the six accounts showing as delinquent medical bills over the last two physical years. These accounts begin to show at the end of XXXX and no contact was made until mid XX/XX/XXXXwhen the annual credit report was printed. 
The dates and amounts are as follows : XX/XX/XXXX {$760.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} These are all reported at " XXXX XXXX XXXX XXXX '' ( XXXX ) I have called billing offices at XXXX they tell me both at the local, XXXX KY office and at their headquarters they have zero accounts showing in collections or otherwise. To their knowledge these accounts never existed.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-11-25
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)

I recently was informed by XXXX that after a review of my account, based on credit reporting from XXXX, one of my credit cards which was inactive and had a zero balance was closed. The decision was based on information from XXXX which claimed that I had serious delinquency and/or past due accounts, poor payment history, too many requests for credit, and age of accounts. 

None of that is accurate. I consistently check my report to ensure no fraudulent activity occurs, I have not been late on any of my financial products in the last 10 years. In fact, according to their own reporting, it would appear as stellar, with zero payments late, no past due accounts, low balance carried month-to-month, etc. 

All the information within my report is contrary to what is claimed in denial letters. I have reached out to XXXX on several occasions to try and get to the root of this issue. Yet, each time I have spoken to one of their agents, they are hostile and rude, and no resolution has come to light.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I called to get help on my student loan. My loan is in a income driven repayment plan, but was removed from it for 1 month, and I needed help applying that plan to the month. I called and waited on hold for 45 minutes and finally got a human being who identified themself as a trainee. They were unable to help me and transferred me. I waited on hold for over 3 more hours. When a person finally answered my call, they asked my name and then ended the call. I was prompted to evaluate my level of customer service on a scale of 1 to 5. After a total of almost 4 hours on the phone, I still don't have a solution to my problem.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (CA)

I called experian on XX/XX/year>, on or around XXXX XXXX  PDT. As usual, experian had very long hold times. My call lasted almost 1 hour, and my matter was not resolved. When I was finally transfered to Experian 's XXXX XXXX XXXX XXXX  department, the XXXX in the XXXX either engaged in call-avoidance or had a system problem and stopped talking. My phone was still connected, however, after providing all of my personally identifiable information, the agent went silent. I kept saying " hello? Agent are you there? '' There was no response. This is a pattern and practice with experian. I'm sick and tired of this being a repetitive problem with experian : excessive hold times and dropped phone calls. In addition, I am submitting complaints with the : XXXX, FTC and OAG. I seek to hold experian accountable. Please sanction experian. THIS IS NOT A DISPUTE REQUEST. DO NO FILE A CREDIT DISPUTE. DO NOT SEND ME A COPY OF MY CREDIT REPORT. DO NOT ADD A FRAUD ALERT TO MY PROFILE.
Consumer complaint received 2021-11-25
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: M&T BANK CORPORATION (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely