davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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. (OH)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-05-23
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. (TX)

A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. XXXX   should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in XX/XX/2017. Please remove this entire fraudulent account off of my credit report.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX XXXX XXXX XXXX  removed all of my funds from my Bank of America checking and savings accounts, and continue to do so, in addition to {$15000.00} from my checking and {$1500.00} from my Savings. I spoke in person and on the phone multiple times with Bank of America and they claim this is a garnishment, without any provided documentation proving that this is a valid garnishment. XXXX XXXX XXXX  said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my child support payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. Bank of America has not protected my funds and they also have not previously contacted me about these action nor have they shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. Bank of America has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with Bank of America a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in school and raising my daughter as a single mother.
Consumer complaint received 2022-03-08
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. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Experian continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter did not get responded to until XX/XX/XXXX. 
" Experian states that they have investigated the and verified this items and that the company that reported the information has certified to Experian that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by US XXXX CT and I have proof of this information. 
US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX  XXXX Please remove it from my credit report. 
Attachments that were sent to Experian as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SD)

I am enrolled in the Public Service Loan Forgiveness program. My loan is serviced by XXXX XXXX XXXX ; all access is through their website XXXX. 

At the beginning of XX/XX/XXXX, I submitted my request to continue income driven repayments. To do this, I completed the survey on the website and completed the paperwork as it directed. I was not aware that what I submitted constituted a change in my repayment plan. 

After submission, I checked my repayment schedule and saw that the request had not been processed. After a phone call around XX/XX/XXXX, I was told that since it was a change in plan, I had not submitted the correct paperwork and needed to resubmit. This, despite filling out the paper the website directed me to complete. A new set of paperwork was completed and uploaded electronically. 

After another couple of weeks, my payment had not changed. It was now approaching XX/XX/XXXX. I called again, and was told that I had not marked a box on Page 4, that is required for changing plans. Again, I was not aware that changing plans was my request. Also, the form ( as I read it ) says to request a new payment amount. On the phone, I was told that this could be as low as {$5.00} ; no amounts are listed on the form. I asked for the {$5.00} amount on the phone, which was granted. Everything was now proceeding. My first payment of XX/XX/XXXX would be taken out of my bank account in XX/XX/XXXX ( fully six months into the new year ). 

On XX/XX/XXXX, I received notification that my request had expired and that my payment would now be the full amount and that paperwork had to be redone. Upon calling, I was informed that the {$5.00} payment had to be mailed ( in spite of everything being set up as autopay ), and since that didn't happen, everything was revoked. Once again, I had to request the payment to be delayed ( now until XX/XX/XXXX ) so that the paperwork can be completed again. 

The timetable for PSLF is sensitive, understandably. I have made every effort to make payments in 2018. The PHEAA has devised a plan to effectively delay my payments -- and my eventual completion of PSLF -- by 6+ months. In the mean time, interest continues to accrue on my loans, making my indebtedness greater. 

Each time I call, I am given new and different information by the operator -- being to ask for a later payment on-line, being able to request a payment as low as {$5.00}, etc. PHEAA staff act as though they are allowed to only share one piece of information per call. Each time, you believe you are finally being given the " correct '' information ; each operator says as much with " I'm sorry sir, I don't know who told you that, but this is what you need to do. '' And each time, something is still wrong, incomplete, or incorrect with the information being given.
Consumer complaint received 2018-05-23
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. (FL)

My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
Consumer complaint received 2022-03-08
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. (TX)

Notice, it is a fact, affiant is aware, these inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code XXXX1b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove these inquiries XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX EXPERIAN, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, and XXXX XXXX I as seen on my report in Exhibit A-C. Notice, it is a fact, affiant is aware, these unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and XXXX is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Consumer complaint received 2018-12-17
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. (FL)

Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by XXXX  and Experian. 
So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by XXXX  yet they have not provided me the service. I have receipts of the online transactions via my bank. 
Lastly my balances on XXXX  and Experian are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help XXXX
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This debt when into default in XXXX and portfolio recovery brought it in XXXX so they reaged the debt date to ruin my credit and I can't buy home or car at XXXX credit score
Consumer complaint received 2022-03-08
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. (TN)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete XXXX ) XXXX
Consumer complaint received 2020-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

I was advised on XX/XX/XXXX that an Escrow Mortgagor Disimbursent had been processed on XX/XX/XXXX by PHH Mortgage Company owned by Ocwen Financial due to receipt of proof of homeowner 's insurance from me. I was told it had been mailed using first class postage by the USPS and  would take 7-10 days, this isn't true. I also have requested to cancel the Escrow Account and was told that the company would have to send me a De-Escrow Account form to complete and return as soon as received. This was also requested on XX/XX/XXXX. I am extremely disappointed with this mortgage company for failing to provide any assistance to my requests. My homeowners insurance information was submitted to them from my homeowners insurance company on XX/XX/XXXX showing that the coverage was effective XX/XX/XXXX through XX/XX/XXXX. I also provided them with proof of coverage valid for the same dates. 

Based on the company 's practices I will have to continue to pay an additional {$110.00} monthly until they provide me with their so called De-Escrow Account form. I found your website on the internet and am seeking assistance from you with this matter.
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law, this account must be deleted immediately. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law, this account must be deleted immediately
Consumer complaint received 2020-02-02
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: SYNCHRONY FINANCIAL (DE)

some inquiries was posted on my credit report without my permission. 
Syncb/walmrt XXXX, FL XXXX ( XXXX ) XXXX Syncb/XXXX  XXXX, FL XXXX ( XXXX ) XXXX Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-23
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. (AZ)

The XXXX XXXX XXXX # XXXX listed on my credit report is reporting inaccurately.

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my Equifax it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my Equifax report dated XX/XX/XXXX. I've also included a previous Equifax report that does not show any recent lates.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (ND)

I recently on XX/XX/2018 logged into my XXXX XXXX account to check my balance on my store credit card, and found out that XXXX XXXX had recently opened up a new line of credit in my name in the form of an XXXX XXXX XXXX credit card that I did not apply or authorize for. I contacted their customer service center and was told that they could not closed down the line of credit until I got the card in the mail. I was then told when I get the credit card in the mail to activate it and then call them to cancel it. I informed the lady at customer service, that 1. ) I never applied for or authorized this new card in my name and this was illegal to issue a new line of credit in a persons name without their knowledge or permission. 2, ) I demanded that it be shut down and they said " well there is a XXXX   balance on the card and I will have to wait to get the card in the mail ''. The lady in customer service stated it was too late to cancel because the card has been sent in the mail and I was passed the deadline. I informed her that I never applied and have not received any credit card yet either ... .so that I can cancel this illegal line of credit. 

I am reporting XXXX XXXX Credit Card and XXXX XXXX for illegally opening a new line of credit in my name without my permission or knowledge, and for them refusing to cancel the card at my request. 

I am worried about how many other people this has happened to without their knowledge and are being taken advantage of.
Consumer complaint received 2018-05-25
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. (MI)

1. XXXX XXXX- original creditor ( XXXX ) XX/XX/XXXX balance {$1200.00} 2. dept of Education- XX/XX/XXXX Balance {$1600.00} 3. Dept of Education- XX/XX/XXXX Balance {$630.00} 4. Dept of Education- XX/XX/XXXX Balance {$1000.00}
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade. 

Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful. 

Because XXXX  XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.