davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WI)

Following up the closing of my dispute with Discover Financial Services, I decided - for the sake of my sanity and sustaining the quality of my credit status- to reach an agreement with that business entity. This agreement was made by authorized Discover Card Collection Representative XXXX XXXX XXXX, confirmation # XXXX which dated XX/XX/2022 and entails the full payment of {$340.00} by an ACH transaction from XXXX XXXX XXXX. This payment was made, as a conclusive sum, in order to close this issue for ever. 

On XX/XX/XXXX, I returned from XXXX trip, realizing that XXXX XXXX  has a system glitch, and couldn't complete the transaction, as the payment inadvertently refunded back to the bank. I immediately notified Discover Card about the system problem with the bank. XXXX XXXX was not available and was replaced by XXXX XXXX XXXX ( sic ), confirmation # XXXX, who assured me on XX/XX/2022 that by paying the amount of {$340.00} there will be " XXXX balance account ''. I requested a written statement for that, she responded by stating " It is my honorable promise, '' and brushed off my request stating " We don't send statements like that. '' Then I decided- in order to speed the delivery of the fund - I used another financial institution to transfer the fund, which was received, accordingly. Now, Discover Card started their harassment, and demanded additional payment of {$110.00} ( XXXX XXXX Credit of {$69.00} & interest charge of {$12.00} )
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-03-15
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: HCFS Healthcare Financial Services of TeamHealth (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-03-22
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)

on XX/XX/XXXX I sent a dispuite to Experian about the following accounts : XXXX XXXX, which you claim I owe {$9100.00}. 
2 ) XXXX  XXXX  : XXXX. {$4600.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX  : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX 4 ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX/XXXX  XXXX  . XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (MO)

On XX/XX/XXXX I made a purchase though XXXX for some items with my checking account. I received an email from TRS recovery service on XX/XX/XXXX advising me that the payment did not clear. I checked the error and realized I provided my saving account number not my checking. I then called TRS recovery on XX/XX/XXXX and made a payment of XXXX to resolve the issue the payments where broken up into two separate charges one for XXXX and the other XXXX. Those payments were withdrawn from my account on XX/XX/XXXX, I attempted to make another purchase from XXXX on XX/XX/XXXX and was advised my account was still on hold with TRS recovery because a payment was never received even though the payment was withdrawn on XX/XX/XXXX. I have can TRS recovery numerous of times since then and have only gotten the run around I was told to call XXXX, call your bank we dont show we have it your bank sent the payment back on the XXXX but I made the payment with my debit card and also spoke with my financial institution and they shown nothing has been returned and the payment was intact withdrawn on XX/XX/XXXX. I was then told by TRS recovery that I would have to file an appeal which would take up to 30 days for a review ( meaning I would have to spend more time and money into an issue that hasnt been resolved on their end ) and to fax in the appeal.
Consumer complaint received 2023-01-17
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)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-01-17
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)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (ME)

I have recently bellied up in a business endeavor over the summer which is leading me to have to proceed in filing for bankrucy. Both business and personal. I have lost everything this summer and barely can stand on my own two feet right now. 

My federal school loan collectors have called me as much as 27 times one day. I have spoken to them numerous times that I am unable to afford and pay my school loan debt at this particular time. Unfortunately, the harassment and calls have gotten even worse. 

I have applied for FAFSA as I am reapplying for college to finish my degree. I am o the cusp of filing for bankruptcy and I need these people to please leave me alone til I can get back on my feet. 

I have spoken with an attorney that has advised me to record and collect the daily harrassment, as well as recording calls ( when I do answer ) and emails that deem in an almost threatening kind of manner. 

My credit has been absolutely destroyed by defaulting on my school loans. I feel taking a federal loan for the prospect in obtaining a degree was a burden that has completely destroyed the next decade ( 7 years ) of trying to get a mortgage, or even to attempt to get a car loan in the near future. Without any credit, except reoccurring defaults, I feel destroyed.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 I withdrew XXXX from bofa and the atm only gave me XXXX I called files a claim and bofa froze my card and is shifting blame onto edd
Consumer complaint received 2021-03-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

THEY ARE CALLING ME AND CALLING MY FAMILY SAYING THEY ARE FROM XXXX COUNTY AND I NEED TO CONTACT THEM BECAUSE THEY ARE GOING TO DISPATCH THEM TO PICK ME UP. THEY GAVE AN XXXX AND A CASE NUMBER OF XXXX. THEY ALSO SAID THEY ARE GOING TO CONTACT MY EMPLOYER AND SPEAK T MY SUPERVISOR. I CALLED THE NUMBER BACK AND THEY SAID THE PERSON THAT CONTACTED ME IS A LOCATOR AND THEY DON'T WORK FOR THEM. I TOLD THEM THEY CONTRACTED THEM AND THEY ARE NOT ALLOWED TO THREATEN ME OR MY FAMILY WITH JAIL OR LAW SUITS. 
THEYCALLED ME AND MY FAMILY ON XX/XX/21 AND THEN CALLED ME ON XX/XX/21, I TOLD HER NOT TO CONTACT MY FAMILY AGAIN AND AS SOON AS SHE HUNG UP WITH ME SHE CALLED MY NIECE THREE TIMES IN A ROW, SHE CALLED MY HUSBAND AND MY SON. HER NAME IS XXXX XXXX AND SHE SAYS SHE WORKS FOR XXXX COUNTY.
Consumer complaint received 2015-07-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

From XXXX to now I been trying to obtain funds out my XXXX account with pnc bank and returned them to the issuer as they instructed me to do so bank will not send back or release them to me so I can do so, with this taking place a legal matter is getting ready to occur with if I dont get the funds back
Consumer complaint received 2022-03-21
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: TRUIST FINANCIAL CORPORATION (KY)

I made a complaint on XX/XX/2020 against Regional Acceptance regarding a previous car loan and the account being sold to collections. Per Regional acceptance they did not sale my account. They only allowed for XXXX to handle my account. Which is completely fine by me. 
Since Regional Acceptance let XXXX handle my account, that means that XXXX can make decisions on there clients behalf. Which they did- when they agreed to a settlement of the amount of money owed, also the agreement of removal.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX, and Tarnsunion are reporting a debt from XXXX XXXX XXXX  the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.
Consumer complaint received 2023-01-17
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)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-01-17
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: WELLS FARGO & COMPANY (MO)

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX automotive group at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2020-03-12
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. (OH)

I have a some adresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following cellphone numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Consumer complaint received 2020-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (CA)

The lender offered DEFERMENT for in SCHOOL enrollment.

Document was submitted verifying the in school enrollment.

LENDER expects payment and threatens to report me to credit bureaus, reneging on its contractual agreement for IN SCHOOL DEFERMENT.
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

USCB hit my credit with 8 collections ranging from {$15.00} to {$2900.00} - all from XXXX XXXX. These debts state that they were from 2015. I have not received a single piece of correspondence from XXXX nor USCB regarding these debts. These 8 collections dropped my credit score 40 points and could jeopardize an auto loan that is currently in process. These collections need to be removed immediately as they are incorrect.
Consumer complaint received 2023-01-17
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. (TX)

This is my 3rd 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, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9200.00}, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-03-15
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. (GA)

There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.
Consumer complaint received 2023-01-17
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX