davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I disputed a few accounts on my credit report for various reasons, I asked Experian and XXXX to do an investigation on these accounts, I waited for them to finish their investigation and they told me that these accounts are accurate. I then asked Experian and XXXX to provide me with the method of verification, also any documents that they have for each of these accounts. I also asked for the information of each person that they spoke with in regards to these accounts, like their phone numbers, the names of each person and any documents that were given to them.Experian and XXXX decided not to provide me with anything, instead they told me that the accounts are accurate and that they belong to me. Now I am asking for Experian and XXXX to delete each of these account because they did not provide me with the method of verification that I asked for. What these companies are doing with my credit report is illegal because they have not given me anything that proves that what they are saying is true. I dont want to take their word for it, I want proof.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

I called Convergent on XX/XX/2022 in order to get some more information about this debt. I have been monitoring my credit heavily the past few months due to trying to buy a home and I never received anything in writing from them to let me know about this debt before it appeared on my credit which they do have to notify me, in writing, prior to reporting and they did not do so. If they had followed the proper procedure I would have entered an agreement with them then to resolve this. I did call them to make an attempt to deal with this, but again they did not notify me in writing prior to reporting on my credit.
Consumer complaint received 2017-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CA)

In XXXX of XXXX, Sallie Mae marked a student loan that I co-signed for as 60 days late. I did not receive any written notice that this payment was late. When I tried to dispute the claim they said they contacted the individual ( my ex-sister in law ) who was making the payments. Once I found out this was issue, I paid the loan in full immediately. This is now adversely affecting my credit score to no fault of mine.
Consumer complaint received 2024-03-07
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. (TX)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts being challenged XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2022-05-13
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)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-05-13
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)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2019-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, TransUnion and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, TransUnion and XXXX ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (GA)

I see four hard inquiries on my credit report for which I'm unaware of those inquiries. 

1 : - XXXX  XXXX inquiry made on XX/XX/2022 2 : - XXXX inquiry made on XX/XX/2022 3 : - XXXX XXXX inquiry made on XX/XX/2022 4 : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMA Credit Association (TX)

I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I Gave notice to company that my personal information was exposed in the XXXX  data breach and i have been a victim of identity theft. At the time i did not recognize the account XXXX XXXX thats on my credit file. per section 605b of Fcra this account must be deleted immediately.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Items returned to XXXX at the warehouse and the credit card company is not refunding me then the credit card company took out XXXX from my back account for the returned items
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX College of XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.
Consumer complaint received 2020-12-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stuart-Lippman and Associates, Inc (OH)

this is a new complaint with reguards to stuart-lippman and associates a collection agency as i was involved in a accident on XX/XX/2020 as the other person involved in the auto accident they insurance company which was XXXX XXXX paid for they car damage of XXXX as XXXX insurance turned over the amount of the car repairs to stuart-lippman and associates as i was in contact with a person name XXXX XXXX who work for stuart-lippman and associates collection agency as she stated she attempting to collect a debt which was XXXX i told her i am disputing the car accident because i was not at fault in the auto accident because i did not run a red light so XXXX XXXX told me that she is submitting documents to the dmv to have my license suspended as she told me this more than once if i dont pay the XXXXon XX/XX/2020 XX/XX/XXXXXXXX submitted documents to the dmv to have my license suspended as i did some research and talk to some attorneys with legal aid a collection agency can not submit documents to the dmv to have my license suspended thats a violation of the fair debt collection practice act i faxed the documents to stuart-lippman and associates that states that a collection agency can not submit documents to the dmv to have to someone license suspended as XX/XX/XXXXXXXX did that on XX/XX/2020 i contacted XX/XX/XXXXXXXX and ask her can she show me documents that state that a collection agency can submit documents to the dmv to have my license suspended she told me she will have to contact her manager her manager XXXX XXXX contacted me and i ask her also can she show me any type of documents that states that a collection agency can submit documents to have someone license suspended she told me she cant show such documents of that i ask her repeatdly and i also told her that a collection agency can not submit documents to the dmv to have someone license suspended she said yes they can i said again can you provide me documents that states that she said she cant also on my first complaint in a response to my complaint a person said that the collection agency is required by our clients to notify the appropriate state agency that handle responsibiltiy issues as i want stuart -lippman and associates to provide documents to me stating that a collection agency can subit documents to the dmv to have someone license suspended as i provided documents to stuart -lippman and associates that they can not do that because they dont have the power to tell the dmv what to do only the court system can not a collection agency so im requesting documents from thus collection agency stating they can subit documents to the dmv to have someone license suspended as this place is in violaton of the fair debt collection practice act
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BBVA FINANCIAL CORPORATION (CA)

I want BBVA Compass to stop sending me credit card offers in the mail. BBVA Compass is a company with poor standards and practices that markets itself as a real bank. BBVA Compass sends me a ridiculous amount of fake offers in the mail and I don't want to receive anything from BBVA Compass regarding anything they have to offer. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, CA XXXX. I want BBVA Compass to remove me from any mailing list or consumer database they have or use.
Consumer complaint received 2020-12-20
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. (OK)

XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i have filed disputes with Bank of America and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2019-04-27
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. (NY)

I sent a letter via certified mail to XXXX  on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX Equifax tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX  Delaware XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.
Consumer complaint received 2020-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Good evening, I have had a horrible experience with Chase bank, I am in the process of filing a law suit. This bank where I opened my business account with has had such horrible customer service and absolutely no customer protection. I have an online e commerce company, the first time Chase locked my account for 7 days that meant no business no sales no incoming payments for 7 days during the heigh of covid 19. Than after repeatedly hounding them down calling 50x with no answer and being hung up on, they tell me if was their fault and than everything would be fine. Than I check my account 3 weeks later, to find out it is restricted again, this time they sent XXXX in sales back to the customer with no notification to me that their was a dispute nothing. Just sent my money back after the customers got their products 3 weeks after the sale.To follow they have decided to close my business account in the middle of the holiday XXXX shopping season. To date if progression and sales were to follow their average trend i have lost around XXXX XXXX dollars in revenue. Worst bank i have ever dealt with, the only time they do anything is if you mention sueing, they XXXX their own customers over with no amends nothing.
Consumer complaint received 2020-12-20
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. (HI)

In XX/XX/2020 I was alerted to a new account showing on my Credit Report. This new account was the result of Fraud and Identity Theft. 
I contacted the lender ; XXXX, XXXX XXXX XXXX and reported this theft. I also mailed in the FTC theft report to XXXX and a letter stating the theft and requesting it be resolved. I also filed an Identity Theft report with the FTC. 
XXXX reports to TransUnion. However TransUnion has failed to remove the fraudulent account information from my Credit Report. 
The account went delinquent around XXXX, and has now gone to a collection agency and that is also showing on my credit report. 
Clearly the system is broken.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

On XX/XX/21 I received a Citi Priority debit card in the mail. I do not bank, nor have I ever banked, with Citi Bank. I never opened an account or requested an account or debit card. I immediately called Citi bank and had the debit card and associated checking account closed and reported it as fraudulent. 

The account was blocked by Citi Bank and I was forwarded to the fraud/identity theft dept to report the card/account where I also received additional fraud monitoring assistance. I was happy with this resolution. I am reporting it to the CFPB for documentation purposes only in the event that this is a larger issue.
Consumer complaint received 2022-09-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I have explained to the company ( Navient ) that I am unemployed right now, that I have no income at the moment, and have no way of paying back the loan at this time. I have explained that I am unable to work due to XXXX XXXX. They continue to call my phone ( both my landline XXXX, and my cellphone XXXX ) non-stop day and night, sometimes two and three times a day. Despite me having tried to explain to them that I unable to repay my loans at this time!
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

i have filed disputes with CREDIT CARD/XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (MO)

Ive had this credit card for 5yrs with a {$500.00} limit and have never been offered a credit line increase. I called customer service on XX/XX/19 to inquire about an increase. The rep told me I was eligible for an increase and proceeded to ask for my income. I advised that my monthly income was {$6600.00}. He then told me that unfortunately my debt to income ratio did not meet their guidelines. I find that hard to believe considering that my credit cards are paid off and Ive never been late on my car and mortgage payments. I called back to speak with a different rep who advised that I have more income going out than I have coming in. IMPOSSIBLE! Im sure the first rep must have entered my income incorrectly. The 2nd rep told me theres nothing she can do and that I would receive a letter in 5-10 business days. I have credit cards with {$3000.00} credit limits with no problem, but all this company can offer me is {$500.00}.