davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (PA)

I disputed the validity of a collection company reporting incorrect information about me and causing harm to my consumer report. XXXX XXXX XXXX is reporting a collection that I owe a debt in the amount of {$1300.00} to their institution. I, XXXX XXXX , does not have any obligation and or contract with the SECURITY CREDIT SERVICES. The company forwarded a communication addressed to XXXX XXXX XXXX BUT REFERRED TO A XXXX XXXX. I DO NOT KNOW A XXXX XXXX. 

IN accordance with 15 USC 1692g ( b ) I am requesting the validation and verification of this alleged debt, in which you shall cease collection of.

Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a ) Be taken as tacit agreement to the claims set forth ; b ) Grant the consumer all demand remedies ; or c ) May result in litigation Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED DEBT and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ). that you cease all further communication through ALL and ANY MEDIUM except for communication of remedy as the original creditor is demanding the following : 1. Zero out the balance of this account 2. Provide my name, a consumer and natural person, with the documentation showing the account was zeroed out vial certified mail 3. Cease and Desist reporting of the alleged debt collection activity to all consumer reporting agencies before and after this date ; XX/XX/2022. 
4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2023 XXXX XXXX XXXX XXXX is being reported inaccurately and has disputed the report and still appears XXXX balance but reported negative
Consumer complaint received 2024-02-09
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. (MA)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (CA)

Experian is telling me VIA letters in some form of language what a hard inquiry is.. Finally I get told that it's not there " job '' to investigate hard credit inquiries.. I'm a consumer and I heard it was there job to enforce FCRA.. I'm getting frustrated with the lack of care and I'm tired of hearing that everything is ran by a machine and automatically verified carelessly.. It is there job to verify and validate everything on my credit report.
Consumer complaint received 2019-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX, I made a {$5000.00} advanced payment against my private student loan serviced by Navient. The loan servicer subsequently reduced my usual monthly payment, which is automatically deducted from my checking account, from {$210.00} to {$62.00}. Today is XX/XX/XXXX. I called Navient multiple times requesting the monthly payment be maintained at $ XXXX/month in an effort to achieve early pay-off of this debt. How long and how many calls is reasonable before Navient finally gets around to adjusting the monthly payment, which will pay off this student loan ahead of schedule?
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I received a letter from XXXX on XX/XX/2018 stating I had a past due utility bill. The balanced owed is {$130.00}. I then pulled my credit report and saw this bill on my credit report. I filed a police report and contacted my monitoring service on how to handle this fraudulent account. I was told to send my documents to them and they would take care of this matter for me. The Identity Specialist sent a dispute package to the collection agency to the credit bureaus. The information that was included was a dispute letter, copies of my driver 's license, and social security card, proof of address, police report letter of dispute power of attorney and the identity theft affidavit. My dispute was denied so I sent an informal dispute to XXXX the commission of utility and my dispute is under investigation now. The XXXX XXXX agency closed the dispute and due to fraud. I have now received another letter from another collection company called Penn Credit stating I  owe the same balance. Penn Credit also received a dispute and all letters that were sent to everyone that this account is being disputed and investigation with XXXX and should have never been sent to them.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (CA)

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX XXXXXXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXXXAmt {$0.00}
Consumer complaint received 2019-02-13
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. (TX)

XX/XX/2019 Equifax posted a Collection in the amount of {$120.00}. I have notified Equifax they are in violation of the Fair Credit Reporting Act and refuse to remove this. I was not notified under the guidelines. Im quite educated on FCRA and licensed through NMLS. 
I would never allow something like this to get posted on my credit. 
Equifax received my 30 day notice XX/XX/2019. They refuse to acknowledge their mistake and remove this. 
XX/XX/2019 spoke to XXXX with Equifax and was told she does not have a supervisor and not aware of FCRA. 
XX/XX/2019- sent another demand letter, that was ignored. 

Both, XXXX & XXXX were very helpful and removed immediately. Equifax does not feel they have to follow Guidelines.
Consumer complaint received 2019-02-13
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. (CO)

I am disputing the way XXXX  and Trans Union are reporting this account ( XXXX XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing tin regards to the following account : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX  Phone : XXXX The account is closed-Purged on my XXXX XXXX report which i got after trying to open a new account with XXXX XXXX. However this account was close by the bank as they suspected fraudulent activity which I was the victim of a scam and not the perpetrator. 

On XX/XX/XXXX, I travel to the United State of America where I was XXXX  as I was seeking XXXX. I was XXXX  at the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. During this time I had no access to any technology, my bank account, my bank of America debit card or the outside world. Also during this time frame a number of fraudulent activity activities were on my account which is the : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX When I was release on XX/XX/XXXX, I discover this and reported it to the bank and file claim on the transaction, I was also told that I would need to go into the bank and close the account as my banking personal information was compromise and whosoever was doing it can do it again. I went to the Brach office in XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX. I was inform by the branch manger that she could not assist me as I didnt have an ID ( thats my passport ), although I had my ; 1. Bank Debit Card with my Photo ID on it, 2. A copy of my passport 3. My SSN Card 4.  XXXX  National ID As they need the physical ID thats on file which is my passport. Due to the fact that my Passport was held in U.S. Immigration and Customs Enforcement XXXX, until recently when I was granted XXXX  on XX/XX/XXXX, I could not president my passport to the bank. 

With that said, I could not close the account and fraudulent activity activities continues on my account which include : My online account password was change ; Numerous attempt on signing on my online account ; An a sign in on a device thats known for fraudulent activity as advise by the Bank when I call enquiring about my password being change, and ; Among other thing. 
I was then inform that as according to their bank policy they would close the account and none of the funds I had in the account was return. 
In concluding, Bank of America didnt do as much as to protect my account despite my many attempt to close my account to avoid those fraudulent activities that led to the bank to closing my account in the manner ( Closed-Purged ) they did that benefit them and leaving me a Victim Fraudulent Activities.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

Started receiving certified signature letters from mortgage lender that account is past due. Lender stated if account is brought current within a date set that the property would go into foreclosure and be sold. Contacted lender and verified account is current. Have received over 20 letters in less than 2 1/2 weeks from the lender stating the account is past due. I have contacted the lender twice and spoke to several representatives verifying the account is current. Was told the letters were a mistake. But still currently receiving letters every day.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I have had a checking and savings account for many years ( since they bought Washington Mutual ) with Chase Bank. My savings account was set up as a Basic Chase Savings account that required me to transfer {$25.00} per month to not charge fees for having the savings account. I just discovered they have been charging me {$20.00} per month since XX/XX/2017 when my savings account was changed to a type that required {$15000.00} daily balance. I escalated and spoke to three people there that all said they see no record of me changing the savings account type and they are not sure why that happened. 
They have now taken nearly {$1000.00} and have no record of me changing the account type. They changed back to Basic Chase Savings today and fees should stop but will not and can not refund anything over {$100.00} they said. 

So while they feel bad, they can not help me. Chase has done something under-handed here and I am guessing I am not the only XXXX. I do watch my checking but have been very busy and have not paid a lot of attention to the savings since I didn't expect any real change. And it can be a little confusing with the monthly transfer. I do not get paper statements. 

I feel they should refund the whole amount since they have no record of me changing the account type and they have practiced in a shady manner. 
The managers I spoke to were XXXX XXXX -very nice but could not help so transferred me to another manager XXXX XXXX . I believe they are in XXXX Ohio. ( Please remove names of Chase reps for publishing thought could be helpful for research is all ) thanks very much. 

*I had a similar issue with checking some years ago there and believe this could be intentional at some level for revenue.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

Took what I thought was a private loan from XXXX XXXX  out in 2006. The college recommended XXXX XXXX. My credit report now show Nelnet as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate.

Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX   loan with XXXX Nelnet or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Consumer complaint received 2019-04-10
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. (LA)

I have XXXX accounts listed on my Equifax credit report. These accounts are from Louisiana XXXX XXXX XXXX XXXX and now listed as opened in XX/XX/XXXX. I have disputed the dates/age of these accounts with Equifax two times and tried unsuccessfully to contact Louisiana XXXXXXXX XXXX XXXX XXXX. These accounts first went delinquent no later than XXXX as I was no longer in college. I was in fact incarcerated by the State of Louisiana from XX/XX/XXXX until XX/XX/XXXX and could not possibly have deferred or paid the accounts during that time. I am working to resolve my debts and rebuild my credit but Equifax makes disputes very difficult and then does not correct the error. Both XXXX  and XXXX have removed these accounts from my credit report after investigating. Equifax has not even after the second dispute. All student loan delinquencies are more than ten years old.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: U.S. BANCORP (NY)

I received a MasterCard gift card over a year ago, but didnt try to activate it until XX/XX/2019. To activate it, I had to visit XXXXXXXXowned by US Bank, the company that sells these cards. When I entered the account number and the 3-digit number on the back, I discovered it had already been activated by someone named XXXX XXXX, who made two XXXX purchases using my card number. The cards value was originally {$200.00}, and the XXXX purchases totaled about {$180.00}. There was {$8.00} in service fees, so the current balance is {$5.00}. The card was in my possession when XXXX XXXX activated it and made the purchases. 

I called the customer service number on the back of the card the next day, and spoke with XXXX about the fraudulent purchases. She said the only way I could report the fraud was to send a fax. She gave me the fax number, and I faxed my complaint. A representative called me back and left the original customer service number that I called. When I called back, I spoke with XXXX this time, and she told me to send the fax again. I told her that was ridiculous and wanted to speak with someone in the fraud dept. She told me the only way I could contact them was through faxno email or phone number. I sent another fax and this time, I didn't get a call back, so I called the customer service number again. When I entered my account number, an automated message said " this account has been closed '' and hung up on me. At this point, there's no way for me to even contact the company. 

I believe the fraudulent purchases were made by an employee of the company, since it was in my possession the whole time. I think that's why the company has given me the run around.
Consumer complaint received 2023-01-19
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. (NC)

The below accounts 1. XXXX - XXXX XXXX  2- XXXX 3- XXXX XXXX 4. XXXX  XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a 1099 cancellation of debt form also the IRS defines a charge off as a gross or ordinary income. Income can not be reported on a consumer report FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ). This is a defamation of my character and a violation of the law 15 USC 1681eb and because of that, these accounts are inaccurate and has to be removed.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (NY)

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the XXXX business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Consumer complaint received 2019-02-13
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. (NY)

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Consumer complaint received 2018-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Roosen, Varchetti & Olivier, PLLC (GA)

Good morning. 

I co-signed for a student loan for my daughter in XXXX. XXXX XXXX XXXX XXXX XXXX sent the loan into collections because my daughter could no longer make the payments after she lost her job in XXXX. She received numerous deferments and was maintaing minimum payments until it wen into collections with XXXX XXXX or XXXX ( I'm not even sure if either of these companys were legitimate now ) around XXXX. I was paying the loan myself beginning in XX/XX/XXXX up until XX/XX/XXXX when my mother suddenly passed away. I asked the agency for more time unitl unitl I could get my mother 's funeral settled and her apartment cleared out but I was told no. The account was then transferred to Roosen Varchetti and Olivier. I was served with a Consent Judgment in XXXX XXXX, GA. I don't know what the origional loan amout is. I have no documents showing the bank that provided the loan. I've attempted to contact XXXX XXXX but to no avail. I think I'm being misled by the current debt collection agency because I've asked for monthly statements with shwoing current payments and the ballance due. I'm paying {$350.00} a month to this company and not sure where I stand. All I receive is an email stating that I made the payment. 

I'm trying to have my security clearance reinstated ( it was revoked because of the negative past due for this loan ). I'm could possibly lose my job if I can't show that I'm I current with this account. I stated this to the account rep for the agency but she states there's nothin she can do. I'm asking for assistance in this matter.