davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

Fed Loan Sevicing auto changed my student loan accounts from repayment to deferment, due to school enrollment, so I notified them to turn it back, because they did this to me in 2018 and I had already notified them back then to not do that, and they never notified me to send back a form. Now they are doing it again even though they have records of me participating in the PLSF program and notifying them to not remove me from repayment, but they take days to respond. The form they also sent me states I am able to fax it in to their number, but I do fax it, the fax states it is unable to connect to their line, so they are lying on their website and forms on how to submit documents.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing which holds the mortgage previously held by XXXX XXXX, is failing and refusing to correct improper filings they did with the county to permit me to refinance the mortgage. For the last month I have been told by them that they have escalated the issue, but I just have to wait until they get around to resolving the problem. I have asked to speak to a supervisor each time, and on each occasion have been told that a supervisor is not available, but will call me back in a couple of days. To date, I have not received a call back. Each time I call and ask for the person I spoke to previously, I am told that person is not available and I need to speak to whoever is currently available. It appears that they are intentionally delaying the process so they can maintain the income from my current mortgage. Initial calls to Select started in early XXXX, and have included calls two to three times a week, with the most recent call being today, XX/XX/2019. It should be noted that I am not seeking to refinance with Select, but will be refinanced by XXXX XXXX, which has approved refinancing but can not proceed to closure because of this issue.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third 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. Please remove the following Items as they are the result of Identity Theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX - XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (CA)

THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. COMENITYBANK/XXXX XXXX   WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (CA)

The dept is past the statue of limitations. The Collection Agency Real-Time Collections and the original creditor XXXX XXXX XXXX has the incorrect date of delinquent and payment default. I 've contacted all parties ( in writing ) in XXXX and XXXX.. most recently on XXXX including the Credit Bureaus XXXX and XXXX  with the correct date of payment default which is XXXX. No one will acknowledge or provide me with proof, just keeps stating the dates on file are correct.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputes negative informatiom with the credit reporters about and ols account with XXXX bank thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.
Consumer complaint received 2022-05-31
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. (TX)

This is my third 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. Please remove the following Items as they are the result of Identity Theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX - XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2022-05-31
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: 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 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

XXXX XXXX informed me ICS states I owe XXXX as of XX/XX/2019.I know XXXX XXXX XXXX XXXX . Trailor park used my information to get XXXX XXXX, without my knowledge.I rented a eoom from him. His exwife told me the bill was in my name. I dont owe this.He did thid without my knowledge.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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. (VA)

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I contacted Portfolio Recovery on XX/XX/XXXX about the account listed on my credit report. I told them that I had no knowledge of the account and it was not mine. the first agent told me that the account was opened in XX/XX/XXXX and was charged off for {$200.00}. I told the agent that I would like to dispute it because I never applied for a credit card in the year of XXXX. On XX/XX/XXXX I contacted the company again about the resolving this issue. they told me that the account is under dispute I must pay the set amount with of XXXX. And the agent also informed me that the account was open in XX/XX/XXXX and the amount owed is XXXX. I informed them that it was not my debt and I am not responsible for the account and to please remove from all 3 credit agency 's. Since the information was incorrectly please have the information removed from all three credit agencies
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (VA)

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.
Consumer complaint received 2020-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

I have been writing letters to Chase Bank stating that they are reporting on my credit report a debt that I do not owe. They have sent me letters back stating that the debt is mine and that they will not update the record reflecting that I do not owe this company. They are stating that I owe {$3800.00} which is false. I have asked them to bring forth any original contracts bearing my original signature and they have not been able to do so.
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd. (DC)

About three weeks ago ( or so ) I got a call from a number I didn't recognize. The man mispronounced my last name, which is common. I said, " this is XXXX '' to make it easier. My voice is actually kind of high, and he thought I was a child. He asked if I was " of age '' and I said I was. He then said it was about the XX/XX/2016 accident. I immediately said I haven't been in any accidents. He said I was " in the screen. '' I replied that I do n't drive, don't have a license and was not involved in any accidents. He told me there was an outstanding {$1000.00} ( approx, don't remember exact amount he stated ), and was trying to find a man, whom he named. I didn't know the name. He then asked to verify my address and I said no and hung up. 

Today, I got a letter from XXXX XXXX of Thomas George Associates , LTD in NY. The letter stated that the company had repeatedly tried to contact me and I had ignored them. This is the first time I have ever heard of this company. The letter goes on to state that I owe {$1400.00} based on a XXXX XXXX claim, but the ( claim number belongs to XXXX XXXX ). I have 30 days to dispute it then they send details and a judgment. The letter does not state what it is I am supposedly indebted for, or provide any details whatsoever. 

The letter has my last name very misspelled and my address contains part of my old address, so is slightly incorrect. 

I don't know if the letter and phone call are connected, but it feels like a pattern, or the start of one. 

I don't owe anybody any money and I was not involved in any accidents. No insurance company has tried to reach me about anything I would owe, and I can't imagine any reason I would owe anything. 

I called XXXX XXXX a few minutes ago and left a voicemail telling him I owe nothing and know nothing about this and that any further contact would be considered harassment. 

I am actually afraid this is going to be a huge problem and I am baffled how this came to me. I don't know what to do. I am afraid to contact that company again. 

Thank you for your kind assistance.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/XXXX I transferred from American Express Serve XXXX XXXX card {$50.00}, to my linked bank account. It was debited from my XXXX XXXX account and I received notification from my bank account that it will be available the following day XX/XX/XXXX and it arrived as I have the email from bank. The next day, I received an email from my bank that I was overdrawn because the deposit was returned due to inaccurate bank information. It stated that until the account information I provided for XXXX. XXXX. XXXX bank was corrected, I would be unable to perform future deposits using XXXX. XXXX. XXXX bank. 
However, when I called XXXX express they had no record of this transfer and it disappeared from my online account history and my balance did not reflect this XXXX. 
On multiple dates after XX/XX/XXXX I have called American Express which basically can not locate this transaction. I added up all the transactions from after my irs refund was deposited on XX/XX/XXXX through current day and these are not balance, considered all transactions listed. 
Also, as advertised there are in network free atms, which really are not free because people are still being charged for these atms that are supposedly free, meaning no fees should be taken at any point. 
I have called XX/XX/XXXX and XX/XX/XXXX spoke to people for over XXXX minutes when they were supposedly looking and adding all items when suddenly disconnected after being placed on hold. No returned calls and can't get back to same individuals and no notes taken per next customer service rep. 
This is a company is preying on individuals who receive income tax returns and are literally taken money a little at a time or not returning cancelled or returned items thinking people won't go through the extra effort and take steps like this because we are considered a lower income bracket and probably less informed or educated. Please stop this scamming company and XXXX XXXX should be ashamed, they only promote this card in able to get a refund anticipation loan right before XXXX when people are struggling to buy gifts for their dependents.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

my online banking account service for citibank access blocked since 5 days ago i tried to call them more than 12h they did not give answer they did not respect customer rights any way they keeping me one phone call more than 60 minute every time then go without answering or even apologize i go branch XXXX in California myself giving them my ID to solve the problem but nothing my name is XXXX
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.