davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I co signed for a student loan in the amount of {$17000.00} in XX/XX/XXXX. Things went bad and the loan defaulted. It went into collections and was reported as a Charge Off in XXXX. I monitor my credit quite often and the status has remained the same for years now. 
A few days ago I checked my credit and all of a sudden it is listed as open, with a balance due of {$33000.00} but still listed as a charge off as bad debt. The last payment on this account was XX/XX/XXXX. When I spoke to Navient this morning the only explanation that I received was, this account was flagged due to the current law suit against them. I explained to the representative that there has been no activity on this account since XX/XX/XXXX, my credit score dropped XXXX points on agency and XXXX points on another and I felt that the statue of limitations has expired for collection of this debt. I felt like it fell on deaf ears, she could not offer any explanation other than it had been tagged due to the lawsuit. I feel like there have been some violations of the Fair Debt Collection Act. I have worked very hard to rebuild my credit over the years and this has literally devastated my credit overnight.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MI)

I received a call through a relative, on their phone from a place that identified themselves as XXXX XXXX XXXX associates. They called from XXXX. I returned the phone call. After asking for my social security number which they already had, they were asking me for information. I continually asked them what this was regarding and they finally told me Citibank. They said Citibank had sent me a bill for an old debt and I ignored it. They said Citibank had a defaulted balance from me for {$10.00}, XXXX and they tried to settle with {$1500.00} a week ago and I did not accept it and said that I tried to defraud Citibank and they were going to sue me. They continued to ask me questions and I told them I would contact Citibank and find out what they need from us. She continued to talk and I disconnected.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (NH)

The apple card does not provide a bill or account information, making it nearly impossible to pay the bill if not done through an apple iphone. I called and requested a paper copy of the bill since I'm not able to access any information. The paper bill has not mailing address, and no information about my account, so I'm still not able to make a payment from my bank or set up automatic payments from my bank. 

Is this even legal? The only way to make payments for this card seems to be through an iphone device ( the wallet app ). I did not know this when signing up for the card.
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

N accordance with the fair credit reporting act XXXX accounts Has violated my rights 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 XXXX 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 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

During the pandemic I was late on tow payments on my car loan XX/XX/XXXX andXXXX XXXX due to lack of work and income. It is affecting my credit score and my ability to borrow money. I talked many time to XXXX XXXX XXXX loan people who would understand my situation and refused to help me
Consumer complaint received 2022-12-26
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. (TX)

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : # XXXX, Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (UT)

For the last four months I have been trying to have my escrow account analyzed to reflect that I no longer pay county tax. This is because I am a XXXX XXXX XXXX veteran, and my husband is a XXXX XXXX XXXX veteran. I became XXXX XXXX XXXX  in XXXX of 2018 ; my county allows for a tax abatement due to my XXXX status. However, US Bank has refused to perform a proper escrow analysis and they are still escrowing for county tax -- which I do not pay. I have tried to resolve this problem multiple times, and they finally updated my tax payment to {$0.00} ; however, they continually fail to complete an escrow analysis and as result they are still escrowing for {$110.00} for county tax -- which I do NOT pay. I want to know why they are still escrowing for an amount of tax that I do NOT pay ; and I want US Bank to stop doing this. I also want to know the legal authority that would allow US Bank to escrow for an amount of tax I am no longer required to pay.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting ac XXXX account # XXXX 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 2022-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (OH)

I complained to you, they responded on XXXX claiming to stop calling. 
Just listened to my messages, there were XXXX calls from them. I only listened to XXXX envelope of the messgae which was dated XX/XX/XXXX XXXX am. 
AFTER THEY LIED AND SAID THEY WOULD STOP. They clearly dont respect this office and continue to XXXX XXXX I hope you will charge them a fine and do something as a penalty for co ti using to harass me ( for something I DO NOT OWE ). On top of being rude criminals they are idiots. My balance with XXXX is XXXX. As I stated before I am taking legal action. If you could be so kind as sending me their address I would greatly appreciate it.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Moore Law Group (CA)

Some time in XXXX, or XXXX someone who moved into my former residence opened a XXXX card, the troubling thing is apparently the card was issued to a XXXX XXXXmy name is XXXX XXXX, I did not find out about this until XXXX, when I was looking at court records & there was a judgement against me that matched my S.S. number. I looked up the court case and saw the person they served for the lawsuit was not me, it did not match my physical description, it was way off. I was not even living at that address at the time, so it was impossible to serve me. So the creditor, Moore Law Group got the judgement, and apparently when 10 years pass, they need to renew the judgement, which the Moore law group did. I filed a motion in court to have the judgement vacated, and the court granted my request because the person they served was NOT me. I have filed an identity theft report with the XXXX XXXX police dept. and notified the Moore law group of identity theft, but they are continuing to try to enforce the court case against me. I never had a discover card & did not open this alleged account.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (MD)

Recenily, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invaldated, inaccurate, and quessonable items thatt your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credt Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 16814 ( 5 )
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I opened an account at PNC Bank in XXXX, PA. The initial deposit was approximately {$3200.00}. Between the opening date and my departure to XXXX, no other large deposits were added. Upon arriving in XXXX, I opened an account at a XXXX bank. Prior to my first paycheck, small deposits via XXXX ( {$100.00} - {$150.00} ) were deposited to my PNC, which was linked to XXXX. I believe maybe two or three. Again, no large deposits or withdrawals. On XX/XX/XXXX, I informed PNC that I will be traveling to XXXX with a return date of XX/XX/XXXX. Their representative informed me that I would have to inform them every 30 days that I remain out of the country. I made a call to PNC on XX/XX/XXXX to update travel notification. Upon arriving in XXXX, I received two deposits ( {$100.00} & {$150.00} ). I returned back to the states on XX/XX/XXXX, for the upcoming holidays. I visited a PNC in XXXX, NJ to exchange Euros for dollars. At that time, I was informed by the teller that my account had a " hold '' status. I telephoned customer service and spoke with XXXX XXXX. He informed me that someone called PNC on XX/XX/XXXX regarding a {$1000.00} deposit that was not in the account. PNC provided a provisional deposit of {$1000.00} and on XX/XX/XXXX those funds were withdraw. Immediately, I informed them that I did not make such a request. An investigation was initiated. Mr. XXXX informed me that a HOLD would be placed on the account and to destroy my debit card. On XX/XX/XXXX, my parent informed me that a letter arrived from PNC. Again, even after the HOLD was supposedly added to my account, PNC allowed another individual to call regarding a {$1000.00} deposit. PNC provided another {$1000.00} provisional deposit. These funds were withdrawn. Now, PNC is attempting to hold me accountable for monies that they freely dispersed. The balance on the account should be no more than {$10.00}. PNC did not ask any verification of information for the imposter to PROVE that they were me on the other end of the phone. They did not ask for birth date, address, social security number, and or mother 's maiden name. They just dispersed funds freely. What has annoyed me is that they did it a second time after a HOLD was placed on the account!! I have telephoned on XX/XX/XXXX, spoke with another representative, XXXX, that informed me that fraud was " all over '' the account. She, herself, could not understand it. She wrote up a Security Incident Report, # XXXX. I did not get such a report when I spoke to XXXX XXXX on XX/XX/XXXX. This is disgraceful. I am left to believe that these fraudulent transaction are actually being done " in house ''. Why would they issue another provisional {$1000.00}?, especially if the account has a HOLD on it!
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2022 I experience issues while trying to receive an instant deposit from XXXX XXXX to XXXX XXXX. XXXX XXXX provided the trace ID and compensation for the instant payment not being received. XXXX  XXXX initially emailed me saying my funds are subjected to being on hold, although XXXX sent this as an instant payment. Being an employee with XXXX XXXX, I called support to get assistance with the deposit not appearing & attempted to provide them a XXXX digit trace number. The support agent informed me this was a charge onto my account and will be released in XXXX days. She mentioned the system didnt acknowledge it as a credit, although my email stated the deposit was subject to hold. In addition, the company turned my Courtesy Pay off from my account. The policy states, after not bringing the account to a positive balance after XXXX  days, you will be removed. Removed and Disqualified are separate things, disqualification happens after XXXX  days. On the XXXX day, I was removed. I requested to be re enrolled XX/XX/XXXX and spoke directly with a supervisor. He confirmed I was enrolled and would need to wait XXXX. After waiting XXXX, I reached out XX/XX/XXXX informing this supervisor my Courtesy Pay wasnt activated. He informed me, he didnt give me the proper instructions and I would need to now request this at XXXX XXXX. It took approximately a week for Courtesy Pay to be active and it was only after sending the email about contacting CFPB. I feel as if I am being mistreated, mislead & the products have been deceptive. I also feel these are intentional acts. Ive been asked for additional verification, in order to get external transfers released although the account hasnt been red flagged for the transfer. Ive been asked to prove I am a Ca resident in order to open additional accounts although I am a XXXX  XXXX employee. I emailed the company asking for a response & my dispute was reversed on my account yet my email has not been acknowledged for products, services, or my appeal that I requested in writing. I have been mistreated as a member and mistreated as an employee.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

On XX/XX/XXXX, I canceled my Internet service with XXXX and physically returned the router to their office location in XXXX XXXX, IL. The account was paid in full, and the agent on the phone and at the store assured me that no money was owed. On or about XX/XX/XXXX, I received a " disconnection notice '' and bill for {$350.00}. I filed a complaint with the XXXX. XXXX responded by stating the matter was resolved and the account reflected a XXXX  balance. XXXX also stated that they reached out to the collections agency ( Convergent Outsourcing ) to delete the collections account on XX/XX/XXXX. However, on the same date, the collections agency added another collections account for the same XXXX account on my credit reports. I received a letter from the collection agency on or about XX/XX/XXXX. They stated in their letter that they did not have this collection file. To compound this matter further, on XX/XX/XXXX, the collections agency added a second collections account to my credit files. There are now TWO instances of collections accounts for the same XXXX account from Convergent Outsourcing. XXXX is not returning my phone calls or emails.
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (NJ)

On XX/XX/year> I received the attached email from Experian customer service ( XXXXXXXX ) confirming they received my request to deactivate my online membership. The membership number is XXXX and the cancellation confirmation number is XXXX. I did not sign up for a membership with Experian, I simply checked my credit online in order to get a free annual report which is my right as a NJ resident. Experian never cancelled my online membership and now their legal department claims I agreed to arbitration and that I do not have a right to file a lawsuit for their wilfull and intentional violations of the FCRA and Privacy Act. I did not sign any contract for arbitration only and I already cancelled my membership so there is no reason for obstructing justice and blocking me from future litigation. 
I am attaching as evidence, the confirmation of membership cancellation, four requests for the original contracts of the inaccurate accounts as allowed by Section 609 FCRA and a Notice to Cease and Desist inaccurate reporting.
Consumer complaint received 2023-05-14
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. (NC)

As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, immediately!
Consumer complaint received 2022-12-27
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. (CA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, at XXXX XXXX I called Equifax to speak with a representative about a paid off collection that appeared on my report. The representative hung up in my face without allowing me to speak with anyone else. In addition, they claimed to not be able to verify my identity when multiple times I have verified via their identity system. Its upsetting as I am in the process of buying a house. The staff rudely hung up in my face. The credit bureau is reporting paid off balances & collections that were never in collections. I am frustrated as I have never received a follow up call from the bureau or anyone.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (NY)

I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.