davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/XXXX I signed up for an XXXX MasterCard because I was promised a {$50.00} statement credit after spending {$250.00} within the first month. It is now XX/XX/XXXX and I have still not received the credit even though I fulfilled the promotional rules. I have contacted them no less than 4 times about this issue and even have a transcript with a useless Customer service online representative promising to give me the credit. Still have received nothing. They fraudulently ran the promotion to gain more users.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

1 ) I have tried to keep a great fico of XXXX since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible? 
2 ) I just got a XXXX XXXX  XX/XX/XXXX ; along with the card Is a XXXX  credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from XXXX  they go from XXXX. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX XXXX back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental
Consumer complaint received 2022-12-28
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. (GA)

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

Account name : # 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 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 2020-04-02
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. (CA)

I discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-25
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. (OH)

These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my XXXX and XXXX report as this is hurting my score with fraudulent information. 

XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX  XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/2020 XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Still reporting error of consumer identity theft. Agency reporting incorrect address, unauthorized inquires not signed authentically by consumer which needs to be deleted. Correct Address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. All the other addresses are incorrect. I did not provide written permission or instruction for identity transactions to be reported on my consumer report. 
I am requesting that this information be Blocked & Deleted. The reporting information of identity transactions are not my information related to any transaction by me as the consumer. ETC.
Consumer complaint received 2020-03-24
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. (FL)

I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX  XXXX XXXX XXXX. I'm not responsible for this debt.
Consumer complaint received 2020-03-24
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. (FL)

I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX XXXX. I'm not responsible for this debt.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (CA)

Yesterday I received notice that my state tax return was being intercepted by the group Linebarger, Goggan, Blair, & Sampson LLP.

I did receive notice of intent to intercept filing from same firm in XXXX, but as they provided no information on what this supposed debt concerned and I was not aware of owing anything, the next day I sent them the attached debt validation letter by certified mail to all three addresses present on the correspondence. I was careful to preserve records of my attempts to verify this debt, including keeping a copy of the letter + my individual efforts to verify the debt, and receipts for the certified mail. For the two letters sent to XXXX XXXX addresses, I received the signed domestic return receipts back ; for the XXXX XXXX office I did not, but the tracking number confirms delivery. 

I never received any reply whatsoever to my request for verification nor any further correspondence from LGBS, so I was quite surprised to receive the notice from the Tax Board. I was under the impression that by law, if the debtor can not offer any evidence that the debt is valid within thirty days, they must cease collection efforts. It appears to me that Linebarger Goggan Blair & Sampson LLP have violated 15 U.S.C 1692k.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Experian is reporting an inaccurate account with XXXX XXXX XXXX. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with Experian but Experian did not investigate the item or even attempt to verify it with the company. I called XXXX XXXX XXXX and was hung up on by two supervisors ( XXXX ph : XXXX ).
Consumer complaint received 2020-03-24
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

starting in XXXX I have been trying to contact this debt collector Professional of Bureau of Collections of Maryland. This is for my student loan in default, I am trying to resolve my debt and they give you an option of waiting on the telephone line to speak with someone you wait like 15 mins and then it goes to voicemail. to leave a message. I have left multiple messages and get no phone call back. This does not help a person to get their debt issues back on track. No One Returns calls
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ENOVA INTERNATIONAL, INC. (WA)

Hello I XXXX XXXX XXXX have not applied for a loan or tried for a long time and this is a payday loan company called CashNet USA. I have not to pull a business or personal loan at all and would all say there is a guy as well trying to still my company name? I am reporting these issues because this particular company or person ( s ). Are trying and keep trying to still my business and personal information.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This company sent lawyer papers and called my work at XXXX XXXX My boss name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX And with the covid-19 disaster in my City this credit is hindering my life at the moment I sent captial one certified mail, called numerous of times and they well not get back to me to work out this debit that is incorrect and mailing my job is risking me to get fired
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

After an XXXX account analysis, New Rez Mortgage company raised my monthly payment from {$1000.00} To {$1400.00} for XX/XX/XXXX payment. The payment increase is partially due to the over payment of taxes to XXXX County, Maryland by New Rez. 
On XX/XX/XXXX New Rez had paid {$1600.00} for taxes of XX/XX/XXXX through XX/XX/XXXX. Then I received another bill from the County for taxes. I immediately forwarded the new bill to New Rez through a fax on XX/XX/XXXX. In this bill the County acknowledges the receipt of the aforementioned payment, and had requested an additional payment of {$45.00} for the shortage. 
Instead of paying the requested shortage, on XX/XX/XXXX New Rez forwarded {$830.00} to the county. The county refunded the surplus of {$790.00} to New Rez on XX/XX/XXXX. So far, New Rez has repeatedly states that they don't know why the refund has not been applied to my screw account.

The Rez XX/XX/XXXX XXXX  account analysis is based on this over payment, in addition to projection of this over payment for XX/XX/XXXX.I have called their customer service many times over, and their customer service hang up on me because they are not competent to answer the simplest questions. 
I have also requested in writing for separation of XXXX account, so that I can pay my tax and insurance in a trouble free manor. So far not only they have not responded to these requests, but also have sent me an inflated bill of {$1400.00} for XX/XX/XXXX. 
Last year I complained to your agency for the similar XXXX account problem. Although New Pen fixed the problem, and I had paid my regular monthly payments each month,. they charged me 2 month of the late fees.
Consumer complaint received 2022-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

My XXXX XXXX account alerted me to a hard credit check by Capital One. I had seen a credit card junk mail from them in my USPS app that tells me about my daily mail. I was in another state on vacation. I never got that mail-and I know that other mail had been stolen from that box, because I received a separate alert on that account. I called Capital One. The person I got spoe limited English, and appeared to be speaking from a script.

She could only help me by giving me a mailing address to some anonymous department-I am not even sure that she understood my problem at all. I want automatic denial of any credit card application to Capital One, and I want the hard inquiry on my credit report removed.
Consumer complaint received 2020-04-02
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. (FL)

I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-02
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: TD BANK US HOLDING COMPANY (NJ)

I had a car in my name that I co-signed. The car was repossessed. 

The Accoint went to a collection agency called XXXX XXXX XXXX Everything was paid but it doesnt reflect on my credit report and they refuse to help me fix and update things. 

This was the person who collected payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ph. XXXX Fax XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

In order to qualify for the expanded public service loan forgiveness law, I consolidated to a direct loan servicer. I consolidated to a direct loan with Mohela. Consolidation was complete in XX/XX/2022. I also sent in a PSLF application in XX/XX/2022 to be considered for forgiveness after consolidation was complete. The application has been processed, yet according to MOHELA I have XXXX qualifying payments. 

I called my previous loan servicer, XXXX, and they told me that my entire payment history was sent over to Mohela at the time of consolidation with Mohela. However, Mohela account shows that I have no qualifying payments. I have been paying my student loan for over 20 years, on time, each and every month. In fact I have paid at least a month in advance. There is no doubt I would meet the 120 qualifying payments to fulfill the PSLF criteria but it seems like Mohela will not credit me with my payment history. This was the whole point to consolidate with Mohela, to be eligible for forgiveness. 

I have called and called Mohela just to be sent on an endless loop of automated information at the end of which the call just hangs up. I was able to get through to wait for a representative only to hold for over two hours to speak with someone, who while was nice could not help me. She transferred me to a supervisor. I waited an additional 4 and a half hours but no supervisor ever materialized. I spent over seven hours in the phone with absolutely no help. I have also sent messages through my online account. No response. 

It seems that Mohela has a vested interest in not providing forgiveness, as evidenced by their recent action is Missouri to stop the other forgiveness law. But Mohela should be accountable to those loans they service and if I meet the eligibility requirements I should be given loan forgiveness. Again the only reason I consolidated with Mohela was for the purpose of PSLF law.
Consumer complaint received 2020-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX  XXXX  at XXXX  XXXX. Someone opened a card with a XXXX line of credit when I was just a student. I disputed it 100 times and no one wants to help me
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

In late Dec-early XXXX I set up accounts at CITI ( Sav-XXXX Checking... XXXX ). They also sent me debit card XXXX XXXX XXXX XXXX ( XX/XX/year> ). 
By the time a pin camefor the debit card my accounts were locked/ closed by Citibank with no warningor explanatioon. I believe there is some {$5200.00} of my money in the banks hands.I have called and written numerous times with no real response other than wait 30 to 60 days for us to do anything. 
To date I have gotten no response as to why account frozen then closed whatsoever. 
I seek no damages or such against Citibank-all i want is my money returned to me.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1 ) I have tried to keep a great fico of 780-815 since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible?

2 ) I just got a XXXX CC XX/XX/XXXX ; along with the card Is a transunion credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from Transunion they go from 774-798. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX ; back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX  XXXX XXXX XXXXXXXX XXXX # 2 XXXX XXXX {$0.00}, # 3 XXXX XXXX XXXX {$2700.00}, # 4 XXXX XXXX {$0.00}, # 5 XXXX  XXXX {$0.00}, # 6 XXXX/ XXXX XXXX {$0.00}