davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MI)

On XX/XX/XXXX. XXXX I tried to access my checking account through the mobil app only for it to say were sorry this service is unavailable at this time I figured maybe since they transferred to a new company that it was just an error and it would be fixed within 24 hours. Not the case. I then tried every day up until today XX/XX/XXXX when I was so frustrated that I called and was on hold for over 2 hours only for the lady to say it was a password issue which I tried to explain that wasnt the issue, she then sent a new temporary password to my email and at that time she mysteriously disconnected our call, so I proceeded to try to access by using the reset password with what she had sent before we were disconnected which didnt work! I have tried to access my account through the app, on my mobile web safari AND through a laptop/desktop computer all with the same issue. I have not been able to access my account and I am unable to visit the nearest branch because the closest one to me is over 4 hours away ( due to me moving ) however I get automatic deposits each month into this account. I need access to my account this is unacceptable
Consumer complaint received 2022-02-27
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. (GA)

This account does not belong to me. I was a victim of identity theft. The account has no original creditor nor does it have a collection company. The amount is {$1100.00} and it went to collection on XX/XX/2020.
Consumer complaint received 2022-09-29
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA 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 XXXXXXXX : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (PA)

I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Consumer complaint received 2022-02-26
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: ENCORE CAPITAL GROUP INC. (MI)

Midland credit management its not my first complaint about them so I am not surprised that they came back full force at me. I dont have the date of the call. But their associate immediately picked up and put me on hold. Putting a Supervisor on the phone to inform me of YET AGAIN MCM calling. Informing them acronyms are against the law. I was not informed my phone was being recorded anymore either. Especially after my last complaint, how they judge can order phone records. They have 7 of my collection accounts. They again said we are attempting to collect a debt I wasnt aware another person 3rd party individual could tell a consumer they owe debt? Violation # 3 Im up to XXXX in this phone call MCM. I offered a great deal remove the accounts and Ill call it even. Now I want my check in the mail I dont agree to settle. They already had put everything back onto my credit report HOW DOES A DEBT COLLECTION AGENCY START LATE PAYMENTS OVER? Im confused? Thats right THEY DONT. ILL SEE YOU IN COURT.. MCM. XXXX has a lot of explaining to do. Make sure they are really verifying your information and reporting accurately.
Consumer complaint received 2016-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (PA)

I have been trying to contact XXXX and AES in regard to my student loans made for XXXX school. I have been trying to resolve my debt/ issue. Neither will allow me to obtain information in regard to my status. XXXX did tell me that I am in litigation, but will not give me information on how I can resolve my debt. AES states that my loans are in their specialty department but can not give me any more information. I can access the AES site online, the information there states that my next payment is due on XX/XX/2016, that I have XXXX HEAL loans owned jointly by them and The Pennsylvania Higher Education Assistance Agency ( PHEAA ). I called PHEAA who told me that I should be able to contact AES and get resolution, but I ca n't. I am locked out of XXXX website and can not gather any information. I did contact Navient but they stated that they can not give me any information. XXXX did give me a phone number for The US Department of Education who advised me that my Federal loans are in good standing. They stated that AES and XXXX should be communicating with me to resolve this issue. They forwarded me to The Ombudsman who reaffirmed the opinion given by The US Department of Education.. I was given this offices information to assist me. 

I am a veteran, XXXX through XXXX, have been homeless and am living in a transitional VA facility where I have been getting assistance in transitioning back to the community. I was hospitalized for 3 months at the XXXX VA hospital for XXXX where I received XXXX- they left me with XXXX but I 'm now able to think and have been trying to attend to things I need to ( such as my debts ). I am also being assisted by the federal government in regard to my debts. I am also being assisted by The Pennsylvania Department of Labor and Industry for the purpose of reentry back into society as well as reentering XXXX. My desire is to get off of XXXX as my treatments have substantially helped my recovery. My hope is that I can obtain assistance in handling my educational debts. While I am not certain, I assume I am in default.
Consumer complaint received 2022-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I was called to XXXX XXXX in XXXX, by law my loans were supposed to be deferred. I did not come off XXXX XXXX until XXXX. I was in XXXX from XXXX to XXXX XXXX law I am entitled to have a six month grace period. My payments would have started in XX/XX/XXXX. 
XXXX : 1 month XXXX : 2 month XXXX : 3 month XXXX : 4 month XXXX : 5 month XXXX : 6 month My first bill should have been due XXXX XXXX. Navient is refusing to honor my 6 month grace period. They stated I used my 6 months while I was on XXXX XXXX which they cant do because my loans were already deferred due to my XXXX XXXX XXXX. Navient is unable to provide the history of my loan as well so they can tell me exactly when the 6 months were used. XXXX said due to it being with another provider they are unable to provide exact dates and times to verify. Navient has placed a delinquent payment on my credit report for XX/XX/XXXX when my account was supposed to be in the 6 month grace period.
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This balance represents fraudulent transactions on a XXXX XXXX issued credit card for XXXX XXXX. XXXX was the predecessor to Midland Credit Management. The fraudulent balance, after XXXX XXXX shut its doors in XXXX or XXXX of 2020, was {$58.00}. To be clear, my actual charges to the card in question were paid in full when the company closed. In dealing with XXXX to try to resolve the fraudulent balance of {$58.00}, I was told, by the customer service department, " Ordinarily, we would be able to waive these charges, but, since XXXX XXXX is out of business, we can't. '' So, although, the transactions were fraudulent, they would not waive them because the company was bankrupt and out of business. It is still unclear how that equated to me needing to cover the expense. Every few months, I would dispute the charges with the credit bureaus, XXXX would lower the balance, then, the process would start all over again. Prior to the account being sold to Midland Credit Management, it had once again bloomed to {$370.00} which includes interest and late fee. I explained this long, drawn-out history, repeatedly, but Midland refuses to acknowledge it. In fact, in a demonstration of utter ignorance and a sheer lack of common sense or maybe with specific intent to be obtuse, Midland 's representatives ' solution was to send a copy of the bill showing the balance of {$370.00} as their version of proof that the charges are mine! I do not understand how these tactics are legal. How can I be forced to pay for documented, demonstrably fraudulent transactions? For a company that is no longer in business? On charges which, most likely were written off in the companys bankruptcy proceedings? How can Midland slither into this issue and ignore the prior history while demanding full payment?
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (NJ)

XX/XX/XXXX I lost my job due to Covid. I made payments still until things got a little harder to manage. Ive been paying on my car for almost 4 years without no problems until Covid. By XX/XX/XXXX after XXXX my car was repossessed because I was 3 months late on payments. I paid for my car back. I was hoping they would understand the financial struggle people are having. Instead they closed my account. In which I had already paid off the bank loan but now Im just paying off what left for the vehicle its self. They dont honor their customers. They definitely should be reporting to the XXXX XXXX XXXX. I dont like the report that was left on my credit report from Bridgecrest XXXX The account shouldnt be closed because Im still paying them and Im in possession of the car which is a XXXX XXXX XXXX. Plus Ive paid nearly 75 % percent of the loan off. Unfair.
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-18
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: Credence Resource Management, LLC (TX)

I have not given you written permission to put anything on my credit profile XXXX XXXX XXXX Permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2022-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (MI)

N accordance with the fair credit reporting act XXXX  Account # XXXX, and account # 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 Sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : 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 an account without my written instructions.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$870.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 
Thank you XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.