davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (UT)

Client services continues to send debt request by mail and I have filed several complaints against the original creditor for selling off a fraudulent debt when they were supposed to honor the fraud claim on this debt after receiving the police reports. This debt is a result of fraud. Send the the debt back to the original creditor and cease seeking to collect a debt in my name as this is fraud. You can retrieve the police reports from the XXXX XXXX police department report XXXX, XXXX or XXXX.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. 

Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # XXXX
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

On XXXX XX/XX/year>, I submitted a request through the XXXX portal ( request id number XXXX ) to pay the department of education - Mohela for the sum of {$610.00}. The request was approved by XXXX the same day and has been pending acceptance of payment by Mohela for over 8 weeks. I have called Mohela numerous times to get an update on my payment request and the customer service representatives in the billing department have no knowledge of how to handle XXXX XXXX Awards. Upon my requests to speak with a Mohela representative who is in charge of receiving or handling XXXX XXXX XXXX payments, I was informed on numerous occasions that Mohela does not employ such an individual and does not have a department that I can be referred to to answer any questions regarding this matter. I have called XXXX twice and they have confirmed both times that the payment request has been submitted correctly and that XXXX is still waiting on a Mohela representative to accept the payment. Mohela is effectively preventing former XXXX members from using their XXXX awards to make timely federal student loan payments. My account is now delinquent because of their inaction.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion Credit Bureau keeps reporting erroneous Public Record on my file. I have disputed this incorrect information and sent Transunion via certified mail the court letter informing that they have not provided Transunion with any public record. I question the validity and who is the provider of this erroneous information and have requested that such record be deleted from my file. They have not replied since XX/XX/2021. 


USPS XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 XXXX
Consumer complaint received 2019-08-29
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. (IL)

The following accounts are reflecting the wrong balances. All the following accounts should be reflecting XXXX balances. 

XXXX XXXX XXXX Closed Account Showing Balance of {$500.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX   Closed Account Showing Balance of {$290.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX - XXXX XXXX   Derogatory Account Showing Balance of {$160.00} Should Reflect {$0.00} Balance XXXX XXXX - XXXX XXXX Derogatory Account Showing Balance of {$640.00} Should Reflect {$0.00} Balance
Consumer complaint received 2019-08-29
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. (NY)

The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of EducationXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2019-08-29
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. (NY)

The following accounts do not belong to me. I requested copies of the original signed documents showing proof of my signature from the credit bureaus and I never received them. I also filed an FTC complaint listing the name of the identity thief for prosecution. Therefore the credit bureaus are supporting fraud by continuing to report this false, fraudulent information : XXXX XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX XXXX {$6800.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$5300.00} Opened XX/XX/XXXX XXXX {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$130.00} Opened XX/XX/XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX/XXXX {$540.00} XX/XX/XXXX XXXX XXXX/XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX/XXXX {$1100.00} XX/XX/XXXX
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (OK)

Purchased a vehicle from Carvana. They have been paid and my temp tags are expiring in a week. When I initially was going through the purchase process, a representative stated that they would take care of the costs for the tax and tag. I asked for specific details about how it would work so I would be prepared. It was stated that they would mail everything I needed to pay for the taxes and tags. Today I called, I was told that I would be responsible for taxes and tags out of pocket. The agent stated that since the finance agreement did not explicitly state that the tags and taxes was part of the purchase, that I would be responsible. I feel that this behavior was extremely deceptive and borderline lying to get the purchase through. At no point, did any of the agents state that the taxes and tags had to be in the agreement for them to take care of it. I feel like they should have not brushed over the questions that I had so that I completely understood what is to be expected. 

After the check has cleared, they have done a 180 and say I am responsible for tag and tax. It says it right there on their website, no hidden fees or costs.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

You are attempting to collect on a debt that is not owed. OnXX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX attached ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill ( see attached bill ). Only my name should be on the bill as is shown on my contract ( see attached contract ). I provided a copy of my contract and details of their errors and received a response from XXXX XXXX XX/XX/XXXX clearly stating that everything is correct according to them and notification that I will receive a late fee if they do not receive my payment in full by the due date ( see their response attached ). Since they did not wish to honor their written contract, I would be forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill attached ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. If XXXX XXXX XXXX XXXX doesn't immediately clear up this matter, I will immediately file suit through Consumer Fraud Legal Services. The documents, including XXXX XXXX XXXX XXXX   written attempts directly and indirectly to collect on a false debt have already been forwarded to the FTC. Thank you.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have reached out to XXXX and Equifax to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (CA)

XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe it.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

The Verification section claims that their closed the credit card because they were unable to verify identity. In their own findings, the account was not founded as valid. 
They actively closed the credit card with a balance due without providing purchase review support with fraud department in 2018. 
After reaching out many times and reporting to police, Fraud support section claims they were unaware of account verification problem at account opening and any subsequent purchase review needs.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

My mortgage loan was paid off, and Chase refunded me the overpaid funds. Chase is now issuing me a XXXX for those refunded monies. That refunded money is not subject to a XXXX  IRS report, since Chase did not pay me any of their money. Instead, they refunded my own money back to me, money I have already paid taxes on. This was all addressed on CFPB complaint # XXXX, and Chase had responded that they would issue me a XXXX-out amended IRS form XXXX. Instead, yesterday I received an amended XXXX  that still says I received {$550.00} from Chase. Again, that money was a refund of my own money from an over payment. XXXX XXXX is the last Executive Committee person I dealt with.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NC)

Since XXXX of XXXX Peoples United Bank was required to submit all account information including credit cards with XXXX XXXX XXXX and have failed to do so. They provided a letter to the OOC and CFSP indicated they forwarded the correspondence to XXXX and have responded that I am an authorized user so they can not release the records where my name is listed since XXXX XXXX is the primary cardholder. I have evidence of where XXXX XXXX fraudulently used a Peoples form in XX/XX/XXXX to say I had changed my address in XXXX CT, which he completed and I was living in VA. He used my income to open the account and most likely signed my name as a copy of my license and a XXXX branch employee named XXXX XXXX was in an envelope. With your help, Peoples provided the highly suspicious {$90000.00} worth of individual checks to XXXX XXXX and cashed over 3 years all at the teller counter. According to my friend of 42 years, and Human Resource manager at People United for 30 years, these transactions that spanned 3 years should have been investigated after the 3rd transaction in XXXX that totaled XXXX in cash through an account that was primarily dormant and opened by me and my mother in XXXX.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Ok my mom passed away and left my sister and brother and myself the house. I since bought a home in Colorado my sister lives in our mothers house in California and paid this bill every month on time. Account open in XX/XX/XXXX I wasnt living there then. In XX/XX/XXXX I filled bankruptcy it was included in my bankruptcy but my sister continue to pay this account until the end. She finished in XX/XX/XXXXlooking at the report every payment paid but one, the last one just doesnt make sense. What XXXX XXXX did was trying to get paid from me though my bankruptcy try to get extra {$500.00} dollars and I had never been responsible for this account payment. XXXX XXXX has the lien release paper that she paid the payment off. She wrote this on her taxes not me. And I thought that I sent this in already no response so here it is again how can they say they investigate and it was denied accuracy and it would stay on my account?
Consumer complaint received 2018-11-27
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. (CA)

I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (MD)

The party I have a complaint with is Dave, a cash advance app. Here is an outline of the chain of events : XX/XX/XXXX : I get the Dave app and begin using its advance services. I take out an advance ( which I am not legally obligated to repay ) XX/XX/XXXX : I send Dave an email revoking ACH authorizations " from all accounts associated with my personal information '' XX/XX/XXXX : I send a Cease and Desist Order, demanding they stop emailing statements for this Dave ExtraCash Account. 
XX/XX/XXXX : I received another email Summary of their violations : - Fraudulently charging my Dave ExtraCash account after I revoked my authorization. 
- Refusing to stop emailing me after I have implicitly and explicitly stated that I no longer want to do business with them and that I wish to stop receiving these emails. Even if they did have a reporting requirement for the checking account, I have a right to NOT receive that info via email. It should have no activity on it in the first place
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (AL)

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 2021-12-05
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: Nelnet, Inc. (MD)

I am distressed that you have included DEPT OF ED/NELNET information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Consumer complaint received 2018-04-13
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: Bread Financial Holdings, Inc. (FL)

There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau XXXX  and told them to remove this inquiry and they're refusing to remove this information.