davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

On XX/XX/2021 Fed Loan Servicing sent an email notifying me that I qualified for a refund for a payment I'd made during the Covid-19 deferment period. I requested that refund in early XXXX via telephone. It is now XX/XX/2021 and I have not received a refund despite the fact that the balance on my student loans has increased by the refund amount of {$2200.00} ( the sum of the interest on my loans ). I called back in XXXX and was told the refund was only just processed and a check would be mailed to me within 2 weeks to 2 months. The woman I spoke with claimed the check would arrive no later than XX/XX/2021. It is the XXXX. I have now been trying to contact them for days and have been met with ridiculously long hold times. Last Friday, XX/XX/2021 I was on hold for 2 hours ( despite a promised 15-20 minute wait ) before finally getting fed up and ending the call. Today, XX/XX/2021 I was on hold for over 30 minutes before the call disconnected. All of these calls have been made well within their business hours. My loans were unfortunately transferred to Fed Loan Servicing earlier this year after I applied for the XXXX program. Since then, they have also calculated my number of eligible payments incorrectly and show my having made FAR fewer eligible payments towards the program than what I have actually made. It is utterly disheartening that in addition to the stress that comes with student loan repayment, their service is so XXXX poor to boot. A loan servicer is supposed to offer support to borrowers and be sure that questions and concerns are adequately addressed, and in my experience, Fed Loan Servicing has completely failed to do any of this in the time that l have dealt with them. Over half a year of constant phone calls, and incorrect information and I have nothing to show for it but an increased loan balance and a XXXX program that I seemingly will never qualify for due to incorrect payment calculations. The United States government ought to be more discerning with whom they contract with and hold said contractors to higher standards. Fed Loan Servicing, at this point, should be out of business as my complaints are not unique. I want the {$2200.00} refund I requested and was promised issued expediently and for the payments I've spent years making to be accurately reflected on my account and counted towards XXXX!
Consumer complaint received 2023-09-22
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. (OH)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I travel to XXXX Florida on a weekly basis. When Im there I stay at my parents home and purchase a {$50.00} gift for each night that I stay. My mother tried to use the gift cards and they were denied. The company website to check the balance is down and so is their telephone. We have 9 {$50.00} gift cards that do not work. The company is Vanilla gift cards through Visa. There are numerous complaints about the same thing happening to other people.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reported to all entities including the creditors that this information is a result of identity theft. XXXX Equifax and XXXX were all provided a copy of FTC report with all accounts that do not belong to me. All on the report were removed except the account XXXX XXXX XXXX. 

I requested a block for the accounts listed on the FTC report FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 
ALL OF THIS WAS SENT TO THE CREDIT AGENCIES The credit agency came back and said a block was not required, however all the other accounts listed were blocked and removed XXXX and XXXX. 

None of this applies to this account - The account was NOT disputed in error, - The block was NOT requested on basis of material misrepresentation. 
- I did NOT obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2023-01-16
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. (TX)

On XX/XX/2023, I sent notice to Equifax about items that I have identified on my credit report that are the result of identity theft. I sent a copy of the FTC report identifying each item, my ID, proof of residency and a letter further identifying these fraudulent accounts and inquiries as well. Tracking confirms that Equifax received these documents on XX/XX/2023. XXXX  is XX/XX/XXXX. These items should have been removed by XX/XX/XXXX but they are still on my credit report. I have provided all of the required documents and I will include the tracking details in the attachment section.
Consumer complaint received 2019-12-20
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On Friday XX/XX/2019 around XXXX XXXX I tried to temporarily lift my credit freeze with Equifax. I tried their website, but was informed that it could not be processed at that time. 
The website also said i could write to the company or call an XXXX number and use their automotive telephone service to lift my credit freeze. I called the XXXX number provided ( XXXX ) and after going through a series of prompts I was informed that the service could not be provided at that time. I then went through additional prompts to talk to a service provider who informed that the system was being upgraded and they could not access my credit information to make any changes. The Equifax representative said to call back in an hour. Before I hung up I told the representative that their home webpage did not inform one that the system was unavailable. And that I wasted 15 minutes navigating through their website and XXXX number before speaking to a live person who only then informed me the system was undergoing maintenance and upgrades.I said that information should have been provided on the home webpage and in the introductory announcement on their XXXX number in order to save consumers time and money!!! 

I repeated the same process on Saturday XX/XX/XXXX at XXXX XXXX. Again no notice on the home webpage or on the XXXX number that their service was down. After going through the phone ladder with no success I again ended up with a service rep that informed me the system was down, was being updated and to call back in an hour. I told the service rep that was what I was told yesterday. She could not give me any other answer other than to call back in an hour. I asked she lodge a complaint for me as I could not find anywhere on their website that would allow me to provide critical feedback or lodge a complaint. I have no faith that my complaint was ever recorded and forwarded to Equifax  management as she provided no mechanism for me to ever find out if it occurred. Furthermore I told them I was also going to lodge a complaint with CFPB. 

This unacceptable as I can not get my credit freeze lifted and nor was I given a accurate time when I could access and change my credit freeze. It does not seem feasible that a multi-billion dollar financial agency would update their system during normal working hours thus rendering their system unusable. Or, if they in indeed were updating their credit reporting database, why did they not not alert their millions of customers on their home webpage that no credit changes could be made during the update process? I have no proof, but their database updating story is so inept it strains credulity.
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 7 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 an accurate.
Consumer complaint received 2021-12-14
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-12-08
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. (AZ)

Dear TransUnion What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : U.S. Bankruptcy Court : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB
Consumer complaint received 2021-12-14
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. (OH)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (TX)

I sent Regional Acceptance Corporation a letter asking for validation of the debt that I allegedly owe. I received a response letter stating that they would not conduct an investigation because they feel the letter they received from me came from a credit repair agency or was prepared and given to me by a credit repair agency.
Consumer complaint received 2021-12-14
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. (TX)

This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!
Consumer complaint received 2023-01-15
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: Upgrade, Inc. (MI)

A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been disputing this account since XXXX of XXXX. Capital One has given credit to the Identity theft charges, but not to the fraud charges. 


I strongly disagree with your outcome. None of these charges are mine and if Cap One had cancelled the card back in XXXX when I requested then none of this would have taken place. I hold Cap One partly responsible. 


In XX/XX/XXXX I was told by XXXX, ID No. XXXX, that there was a record of my calling in XX/XX/XXXX cancelling the card and taking my ex off as an authorized user. She also told me there was definitely fraud on this account. 

Then in XX/XX/XXXX that record of the original call in XXXX could not be found. And Cap One could no longer find any fraud. 

I request all documents proving that I owe this money as my ex was not an authorized user on this account as of XX/XX/XXXX and if he signed for any charges thats fraud. 

Capital One is claiming there was no fraud as they have erased or denied the original call I made in XXXX. They are not presently denying I called again in XX/XX/XXXX as it was proved to be identity theft by my ex. 

I am not responsible for the balance of {$4900.00} as these charges were made by my ex who was not authorized. 

Cap One has not provided proof that I made these charges. 

I need help resolving this issue.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (FL)

I had a checking account in XXXX where I grew up. I didn't even remember it existed. I now live in Florida. 16 months ago I started getting monthly statements. Every month they take {$3.00}. When I called to close the account and have the funds sent to me, they won't let me. They said if I come in I can close account and get ending balance. Because I live in Florida I need a notarized letter stating that I want the account closed. That's fine. BUT. in order to actually close out the account and have the funds sent I need to go in and make a deposit of at least XXXX XXXX to  reactivate the account so it can then be closed and the check sent.I asked can I mail a money order? A check? Wire transfer from another bank? No. No. And no. Can I send someone else to make a deposit? NO. 
BUT I LIVE IN FLORIDA NOW. They told me next time I'm visiting to stop in. 

This account in over 20 years old and I have no idea how much money in fees they have taken I want TCF bank to close my account, refund the 12 months of " monthly fees '' and send me a check to my address in Florida ( where they send my monthly statement minus their fees )
Consumer complaint received 2023-01-21
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. (FL)

XXXX XXXX XXXX is reporting an account on my report twice. XXXX XXXX and XXXX is the same company. There are multiple inaccuracies within this information and needs to be deleted. The collection company is the same. The creditor 's names are different but XXXX changed their name to XXXX XXXX which makes this the same company. Amount owed is the same. Account numbers are the same. Delinquency dates are the same. This account is the same account reporting twice and it needs to be deleted. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

they went in to my checking acout and try to pull out XXXX but it was no money in the acout because i have not schule a payment i all ready sen theme XXXX on XX/XX/XXXX XXXX was no money for theme to take out on XX/XX/XXXX XXXX and when i went to try to pay them on line they lock my act and told me that i hand to pay them XXXX before the can remove repojecting off my suv.so i pay them XXXX .and noe the telling me istill hold them XXXX wich i dont because they recive the XXXX out of my check acct.