davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
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. (TX)

Have twice now disputed an incorrect missed payment to XXXX   regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX XXXX and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-09-17
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: Advance America, Cash Advance Centers, Inc. (OH)

I contacted XXXX and unfrozen my credit report I waited to ask advance Americanet for a installment loan the following at and was denied because XXXX credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me
Consumer complaint received 2023-07-31
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. (GA)

I sent letters XX/XX/2023, to the credit bureaus asking them to validate an account on my consumer report. And they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the consumer reports even after they did the thorough research. 

The status updates are inaccurate, the Balances are inaccurate ect. 

Account : XXXX  XXXX XXXX # XXXX In accordance with the Fair Credit reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my right.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-30
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: I.C. System, Inc. (NY)

I filed a complaint with the CFPB about XXXX unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/. I received a response that XXXX was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. XXXX also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting XXXX, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. XXXX illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. XXXX also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give XXXX permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from XXXX that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I submitted an application through mohela in XX/XX/XXXX under the XXXX program. At that time I submitted all information past employers and the consolidation information. On XX/XX/XXXX I updated my application that was received by mohela adding XXXX more employer. In XX/XX/XXXX I noticed on the website that I had to qualify and payments for removal and forgiveness of my loan. Mohela also sent me a letter stating that that was the case. In XXXX of 2022 I spoke to an XXXX XXXX XXXX he also left a message on my answering service noting that I had XXXX qualifying payments. I spoke with him again and early XX/XX/XXXX and was told that I had the qualifying payments but my loan was sent to the XXXX XXXX XXXX for XXXX. In XXXX I also contacted the XXXX XXXX XXXX and noticed that mohela did not submit my loans as previously stated. I called in several times and got conflicting information. I repeatedly ask why my account was now showing that I only had XXXX qualifying payments but in my inbox on the account it noted a letter that I received in PDF form that needed I had XXXX qualifying payments. I later contacted the chat and requested to speak with an unbudsman to support my case. The chat feature although it was activated to representatives XXXX and XXXX repeatedly removed me from the chat when I questioned the continuity of the information that I was being told. Often I call into mohela and I have a wait time of over XXXX hours. When I finally reach a representative I am told conflicting things about my loan. Initially my loan was said to be resolved within XXXX XXXX of the XX/XX/XXXX date. That has not happened my loan has not been addressed the errors have not been addressed and my loan continues to sit. Not counting my payments towards forgiveness. On XXXX the XXXX XXXX I again attempted to contact mohela waiting on the phone for a very long time. As a result I contacted the chat the chat feature and spoke to a representative who just gave me answers that were not specific to my case but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly asked to speak to a supervisor and then that representative relegated me to the XXXX number which I told her was over an hour 's wait. At this juncture I would like mohela to update my qualifying payments, to send my account to the department of a for review of forgiveness, and to do the due diligence of contacting my employer 's for certification. Mohela has not completed this task since XXXX of XXXX well beyond the XXXX business day marker they have agreed to reach. I would like to also ask why mohela submitted a PDF to my inbox account noting that I had XXXX payment and XXXX qualifying payments, and then changed this? Where did they get this information and why is there an error now on my account saying that I only have two qualifying payments.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX 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 2023-07-31
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: EQUIFAX, INC. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. I have listed the inaccuracies below. 

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended. 

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Consumer complaint received 2024-01-31
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive told XXXX and Equifax and XXXX. Please remove XXXX XXXX XXXX off my credit report because it doesnt belong to me and I never dealt with that company in my life. Can you please Ive been dealing with disputing this item for months and always communicated with the company which information does not match up I have disputed this multiple times with Equifax and XXXX. XXXX XXXX already took it off my credit report.. can you please ensure that these guys take it off this does not belong to me and its ruining my credit Im a victim to identity theft. My Social Security number is XXXX. My date of birth is XX/XX/1986. Can you please have these guys remove this off my credit report
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Today, XX/XX/XXXX at XXXX Received phone call today Evergreen debt collection XXXX alleging unpaid medical debts from XXXX. 
Amounts under {$11.00} several totalling less than {$50.00}. One for XXXX cents. 
Never have had original creditor notify me of debts owed and never received documents detailing debts in over 4 years. 
Asked for details of debt to dispute charges by mail ie An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date of occurrence and was told they don't provide that. 
I cited state law and was again told no, they will not provide details only balance due. 
I disputed over phone and asked to be contacted by mail only no longer receiving phone calls.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MA)

On XX/XX/24, my account had just over {$700.00}, I transferred {$300.00}, to make just over XXXX. I withdrew {$220.00} from an ATM, leaving {$800.00}. I made 3 deposits totalling {$1400.00}. My balance, which I have a Screenshot of says {$2300.00}, but the balance up top only shows {$1800.00}. I immediately stopped all transactions, and use of that account, to find out what was going on, this on XX/XX/24. No use at all. Then the account drops to {$1800.00}. So I called to find out why the balance is reading all these different things, all unmatched from the accounting the rep briefly mentioned. He said there was XXXX XXXX  in the account, I immediately emailed all the shots I have, all different numbers, nothing ever matches. The rep sent one email, saying as of XX/XX/24 the balance read {$840.00}. It doesn't show the 3 deposits totalling {$1400.00}. If you add XXXX XXXX, you get the {$2300.00}. Still the balance reflects {$1800.00}. There is something wrong, and I'm getting nowhere. This company refuses to help, they promised an escalated response within 24 hours, and 48+ hours later, still nothing. I desperately need help. My contact information is XXXX XXXX cell. My name is XXXXXXXX XXXX  and I can forward all the emails, and screenshots I have. The Division of Banks I'm Massachusetts referred me to this level.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (SD)

Due to change in my finances it has been almost XXXX years since I have incurred an overdraft fees. It has been so long that Chase revised its policy and anything under {$50.00} is not subject to an overdraft fee. Also, they now allow customers to add and transfer money to bring the back to good standing. I was informed by Chase that my account was in the negative and to transfer money to avoid an overdraft fee. I transferred money from my XXXX XXXX account to bring the account back to good standing. Yesterday I was informed once again that my account was at a negative and to deposit money. I had XXXX hours. I have an email dated XX/XX/XXXX at XXXX XXXX stating I still have time to add money to my account, screenshot attached. Over {$800.00} posted at XXXX XXXX on XX/XX/XXXX well within the XXXX hours given. Even though I complied with all of XXXX policies I was still charged {$100.00} in overdraft feeds. XXXX {$34.00} fees. I am requesting the fees be reversed as I did everything necessary to avoid my account going into the negative. Thank you.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I had received an in mail preapproved offer to apply for Citizens credit card. Offer was to spend {$500.00} after the approval and I would receive {$200.00} back. 

As directed in the offer, I used the invitation code to apply for the credit card and was approved in XX/XX/2023. I also satisfied the offer terms to spend {$500.00} within a month or so. It is XXXX now and I still haven't received my bonus of {$200.00}. 

Upon contacting the bank in regards to this issue, the representative told me that " They are able to see my application approved in XXXX and cross referencing they only had active offer which offers {$150.00} bonus. 

They confirmed that {$150.00} bonus will be applied to my account now and it may take from XXXX weeks to up to XXXX weeks for it to reflect on my account. 

This whole offer is like a fishing scheme as if I didn't contact the bank then they wouldn't be taking any proactive action to apply bonus to my account. In addition, now I am offered {$50.00} less than what was communicated to me during the in mail promotion.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Asset Management Outsourcing, Inc. (FL)

I am submitted this complaint today due to the above referenced collection agency ( Asset management/ nationwide recovery Amount is {$820.00} Opened! XX/XX/XXXX ) making no attempt work with me on resolving this debt that should not exist. During the dates that this debt is said to of occurred I carried state medicaid and provided my medicaid card during any all medical visits which is on file. I have disputed this debt and it remains on my credit report ( XXXX  ) although the collection agency has yet to verify that I am responsible for the debt with a agreement having my signature on it or any hippa papers that should have been signed. I also request that the collection agency show proof that I signed a medical authorization form giving them access to my records along with thier license authorizing they follow all Hippo Laws or of which would be relevant. I have made contact with this company to resolve the debt and the company refused to work with me or settle. The only reason I can think that this company would not settle with me is because I do have good credit without any other collection on my report besides that this company. My boyfriend has a debt with this company with poor credit and the company settled out for a 1/4 of the bill. This is affecting me financially and especially during this pandemic where I am out of work. It has been a constant burden causing me severe XXXX where I've had to reach out for medication for my XXXX I request that the debt be immediately removed from my credit report with all 3 Credit bureaus or provide the requested documentation immediately.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (OK)

I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them. 

Under the FCRA i should be able to dispute these items with them. 

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.