davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit report, I noticed that there are instances of late payments, and I would like to provide some context and request your assistance in rectifying this matter XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (MN)

XX/XX/2022 I applied for a balance transfer from Barclays XXXX credit card A few days later I noticed that Barclays had taken money from an account unrelated to my account. Barclays took this money and gave it to another account, unrelated to me.

Barclays still charged my account I contacted Barclays and told them " You took money from someone and gave it to another and still charged me! '' It has been almost a month and nothing but the run around. 
Barclays is charging me interest and set a date for the first payment on XX/XX/2022! 
Barclays " We are investigating, it could take up to 60 days! '' What is there to investigate? Barclays took money from another persons account and gave that money to another persons account and still managed to charge me, for this!

I've included a screenshot that shows Barclays transfer from an account ending in XXXX ( not my account ) I have XXXX credit card account with Barclays that ends in XXXX Thanks for your time
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

0n XX/XX/22 I submitted a refund from Edfinancial services and I can not get a clear answer as to when that balance will appear on my account. 

Per the Federal Student Aid forgiveness program, I am eligible to have monies forgiven since I paid off my account during the XXXX freeze. The first step is getting XXXX refunded to my Edfinancial account. Then I'm supposed to fill out some paperwork through the federal student aid website. That's fine but... 

No one at Edfinancial will give me a consistent date ( or even an approximate date ) as to when the amount will show up on my account. I've spoken to multiple representatives and no one will give me a straight answer. Some say two to three weeks, others several months, 150 days. It's all over the place. Also, there is no email confirmation or receipt provided to confirm a refund request. How do I know the refund request has been submitted?

I understand they have a heavy call load. Despite this, other student loan companies are processing refunds in 1 to 2 weeks. I don't want to miss my window to apply for forgiveness. This will have a huge impact on my family and finances. 150 days or several months is way too long and completely unreasonable. Turn around should only be a couple of weeks.

Where is my refund Edfinancial?
Consumer complaint received 2022-06-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Submitted dispute letters to Experian, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-06-06
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. (TN)

In Accordance with the Fair Credit Reporting Act ( 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
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. (TN)

In Accordance with the Fair Credit Reporting Act 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 has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I noticed on my credit report XXXX XXXX went into my credit report seeking information 24 times for what?? I am requesting XXXX XXXX to cease and deceist there activities into my credit report, What are they looking for, I believe some fraud activity has taken place. Will ask Experian to freeze my credit report. I would like them to answer the reasoning behind the 24 times in my credit report.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NY)

On XX/XX/XXXX, around XXXX, it took me almost one hour to try to close a credit card that doesnt work for me. 

Its a US Bank XXXX XXXX XXXX XXXX XXXX 

I apply under a company that me and my ex husband have, after divorce, We do business under that companys name separately. I apply that business card with my own name, address and social security number. Got approved, they mailed me the card, after activated, I used it in a apple store purchase but got declined, so I decided to close that card. But the company asked all kinds of irrelevant private questions and after they have no questions to ask, they tell me, no, we can not close your account. 

What even worse is they called my ex husband in bad purposes. Even that doesnt work. 
This company is not only unprofessional, also mean and dark in the heart.
Consumer complaint received 2022-06-06
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. (OK)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-16
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. (IL)

I AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND XXXX, EQUIFAX AND XXXX HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.
Consumer complaint received 2022-06-06
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-06
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (IL)

I have a mortgage equity loan with PNC Bank. I had a 60 day late payment put on my credit report in XXXX of this XXXX. I had been attempting to make the payment and dropping the payment in the night deposit as i do not have any other type of account with them. They were also transitioning all of the accounts do different account numbers at the same time, for what reason i have no idea. So i had written my old account number on the attempted payment. They did not attempt to cross reference the account numbers or anything and instead just held onto my payment. I did not realize this until almost two weeks later when i received something in the mail stating that no payment had been made. Again i do not have online access since i do not have any other type of account with them. I am just trying to get this 60 day late dropped to a 30 day late because of the obvious and strange circumstances that occured during this period of time. I am not current on this account but this obviously affects other credit items with me.
Consumer complaint received 2022-06-06
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. (OK)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-06
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. (DC)

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

15 USC 1681 Section 602 A state I have the right to privacy.

15 USC 1681 Section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-06
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting Act and the united States Code the following convergent accounts has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. BANK XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-11-26
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: Navient Solutions, LLC. (CO)

My sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report. 
My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points. 
I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all. 
I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

We applied for COVID 19 relief, we maintained contact with XXXX which was the company that bought our mortgage after our closing. In XXXX AmeriHome bought our mortgage and then ended the forbearance period without our knowledge and without even acknowledging even a change in mortgage companies. We got a letter stating forbearance ended and we now owe them a check for {$40000.00}. Without said check, we will be in foreclosure. Once we were made aware, we have been frantically trying to save our house. Amerhome promised a loan modification package that has not gotten to our house ( promised to be sent out by XX/XX/2022 ). Help please!
Consumer complaint received 2022-06-06
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 and the united States Code the following convergent accounts has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. BANK XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-06
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)

In accordance with the fair credit reporting act the list of of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX 15 usc 1681 XXXX XXXX  DATE OPENED XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX collection amount XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX AMOUNT {$640.00} ADRESS XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX OF XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ANOUNT {$270.00} Date ASSIGNED XX/XX/XXXX XXXX submit last updated XX/XX/XXXX CHARGE OFF BALANCE {$180.00} XXXX XXXX XXXX ACCOUNT BALANCE {$910.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} 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 all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts 15 USC 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 XXXX years 15 USC 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 2022-06-06
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. (TN)

In Accordance with the Fair Credit Reporting Act ( 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

On this date XX/XX/2020 company opened a collection. 
Account XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-09-29
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)

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.