davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

In XXXX, a store clerk at XXXX XXXX pulled up an account when I said I didn't have my XXXX  card with me. Unfortunately, they pulled up an unused acct that I had not used in years. When the bill came in the mail, I used my usual bill pay account to pay the bill in FULL. When I got a second bill, I figured the moneys must have crossed in the mail. When a bill arrived on the third month, I again paid it in full on my usual account. When I rec 'd two statements for XXXX XXXX a fourth month, I realized I had a credit of almost {$400.00} on one statement and a past due on the other. I figured out I had been paying the wrong account and called XXXXcredit card company. I asked them to please use the funds from the amount of credit to pay off the one account and send me a refund for difference. I called again a week later to find nothing had been done and asked again. Weeks went by. I wrote a letter requesting thed refund. The company refused to refund any of the bogus charges they made, issued me a refund for maybe 50 % of the amount due. In the meantime, my XXXX score was lowered over XXXX points, XXXX XXXX canceled my card, and it will take months if not years to repair my credit. I want a refund of the entire amount I paid in good faith to XXXX  minus the {$130.00} in goods I purchased. The CC has refused to respond or issue a full refund. They believe they have the right to keep monies for late charges, interest, etc. They also did NOT accurately resolve all issues with the 3 credit reporting companies which continues to be an issue with my credit scores. I want ALL negative information removed from my credit reports, not just 2-3 months worth.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Aidvantage presented false and misleading information that I could reduce my monthly payment by applying for XXXX of their income-driven repayment plans in XXXX of XXXX. 

Well, I applied and my payment SKYROCKETED from ~ {$100.00} to almost {$500.00} just XXXX hours before my first payment is supposed to be due and I have been unable to get in contact or get any response from them. 

Hopefully they do this to enough people and get sued and the loans they were given by XXXX during the pandemic are taken from them. XXXX was SO much better.
Consumer complaint received 2023-06-29
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified 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 XX/XX/2022 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-03
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: Cascade CISS Holdings, LLC (AR)

on XXXX i contacted XXXX XXXX about a personal loan to obtain a property for a business, the loan officer used my personal information on another persons mortgage application that i didnt ask her to process, she emailed and said i didn't qualify my scores were low and my credit was damaged, this was not true i was approved with XXXX the same day i received a credit disclosure statement from XXXX XXXX with a credit rating of XXXX, after receving my drivers license and income documents i was treated poorly but was well qualified for the loan i was seeking, i am humiliated for the actions of the XXXX XXXX employee for trying to make me feel like i was nothing tre she lied about my scores and credit because i was XXXX XXXX this was wrong.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-04-15
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. (NJ)

N accordance with the fair credit reporting act XXXX account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I have an FHA loan with SunTrust mortgage now Truist. My father ( now deceased ) was the co borrow on my loan but not living within my home. The past year, since XX/XX/XXXX, SunTrust has except and authorized a billing address change over 20 time from an unauthorized and unknown Individual via USPS postage card requesting a '' change in billing address. '' I have spent over 24 hour in total this past year trying to address this issue with no resolve. I spoke with a XXXX today, in which my XXXX mortgage statement and paperwork for a Forbearance where sent to 2 different addresses which 1 was my deceased fathers whom passed on XX/XX/XXXX. The other address is my paternal grandmother I am astranged from. 

2nd, I have requested Truist remove my fathers name from the loan in attempts to stop my mail theft. I provided Truist on 2 dates via 2 different methods copies on my fathers death certificates and my birth certificate.

3rd, Truist has failed to process my forbearance and or Covid hardship form within the allotted time frame. It has now been almost a month I can not get answers from the Truist customer service phone workers.

4th, I am missing a {$100.00} check which was issued to myself for a bad check SunTrust disbursed for escrow back in XXXX XXXX. ( XXXX from XXXX location spoke with )
Consumer complaint received 2022-04-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I was charged on my Chase credit card for an XXXX XXXX XXXX XXXX that I had ordered and a different inferior one was substituted of XXXX XXXX  and was sent to me by this company. 
Chase said they looked into this but did not rescind the fraudulent charges for this XXXX I found out later this company ( XXXX XXXX XXXX XXXX ) seems to makes a practice of fraud, misrepresentation, and bait and switch tactics The charge a was {$75.00} and placed back on my account XX/XX/22 As for the mistrust of Chase I will discontinue using this card, for now at least, as well as never with this cheating XXXX XXXX. 

.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint regarding the persistent failure to remove charge-off accounts from my credit report despite numerous attempts to rectify this issue. 

Over the past several months, I have diligently pursued the removal of inaccurately reported charge-off accounts from my credit report through multiple rounds of dispute. Despite my efforts, the credit reporting agencies have failed to take appropriate action to correct these inaccuracies. 

The continued presence of these charge-off accounts on my credit report is severely impacting my creditworthiness and financial standing, making it difficult for me to access credit and financial opportunities. 

I have followed all required procedures outlined by the Fair Credit Reporting Act ( FCRA ) and have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. Despite this, the credit reporting agencies have disregarded my requests for removal of these erroneous charge-off accounts. 

I request that the you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the FCRA. This includes conducting a thorough investigation into my dispute, promptly removing any inaccurately reported charge-off accounts from my credit report, and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX  XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-07-07
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)

After reviewing my consumer report I noticed a suspicious account and I need the account to be validated. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. " So, I need this alleged debt that is on my consumer report to validated.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Department of educationXXXX is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on railroad retirement board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On fico which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work
Consumer complaint received 2022-11-30
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. (NY)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (CA)

Jcpenny has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX I was XXXX. Throughout my XXXX ( XX/XX/XXXX ) I had a XXXX. I am still currently going through XXXX in result of having having my XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Walmart passed me onto the credit card insurance company to submit a claim. I was not abl3 to resolve this issue and have contacted JCpenny and the credit card insurance department as well. Please remove this negative information.
Consumer complaint received 2023-06-29
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. (TX)

I have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.
Consumer complaint received 2024-03-11
Product: Credit reporting 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

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 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023 I filed a dispute with my bank at Wells Fargo regarding a transition with The Guarantors. Wells Fargo informed me that they would investigate and a provisional credit was issued. On XX/XX/2023 the provisional credit was reversed and Wells Fargo informed me that the claim was denied. I informed the agent on the phone that I had adequate documentation that I was never allowed to send in as well as correspondence between myself and the original merchant to prove my claim was valid. I was told once we deny a claim its a loss I have compiled all evidence of my disputed transaction and would like my money back. As well as a THOROUGH investigation to take place. Not once was I given the option to submit documents nor was I asked any questions about where or who to call. Im confused as to how this investigation was carried out. If Wells Fargo did their due diligence they would have considered all aspects.
Consumer complaint received 2022-03-14
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: Amsher Collection Services, Inc. (NY)

On XX/XX/2022 I informed XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX Consumer Dispute Center that The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX This is not mine.. The companies failed to comply. That account ( XXXX XXXX is not mine at all and I need this account to be removed immediately.