davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
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. (CA)

XX/XX/XXXX I paid my debt {$550.00} for my military star card and the company that had my military star card account XXXX XXXX XXXX XXXX XXXX ( XXXX ) agreed to delete this account from credit report, at the same time the they the IRS withheld money from taxes from tax offset and sent an extra payment to XXXX for {$550.00} on XX/XX/XXXX. they where however able to return the extra money that was sent to them. 
I then Disputed this with Experian because it took them over 30 days to delete this account from credit report in which XXXX agreed to do. the first dispute came back as begin remaining on my credit report on XX/XX/XXXX and I then again disputed this account with Experian which did not provided the correct results and ended up damaging credit even more. XXXX report deleted the collections from XX/XX/XXXX to XX/XX/XXXX however they applied a collections to my account for XX/XX/XXXX which is not true because I have paid statements showing that this account was paid and closed in XX/XX/XXXX in which XXXX has now validated the FCRA laws by reporting incorrect information. I then again open another dispute with Experian and is ongoing however I don not believe the results with provide the appropriate out come due to the previous disputes.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland Credit Management contacted my husband looking for me even though they have my work number and cell number. XXXX XXXX proceeded to give my husband all of the information on the account such as amount owed, deliquent status, asked husband for payment. Husband is not on account, not joint account and was never authorized for information. Husband told him 3 times he was driving and knew nothing about the situation and he continued. Spoke with XXXX XXXX supposedly a supervisor and informed me they did not break the law. States they are allowed to speak to spouse and give information. Since they have done this my husband is now filing for divorce and I believe I am entitled to civil suit.
Consumer complaint received 2019-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I've tried to call back and am put on hold for over 20 min. Tried to call phone listed for XXXX and can't connect me to him.Talking to a regular phone call person. That is no help!
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (CA)

Since XX/XX/2009 this has been happening. Identify theft feel like the world is against me ... I just hope people realize someday soon how such an act that isnt violent really doesnt actually feel harmless to the ones going thrue it.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (KY)

In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. 

I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. 

On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. 

I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.
Consumer complaint received 2023-07-12
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 am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
Below are the details of the inaccurate information and the required corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} 2. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} 4. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} 5. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} 6. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} 7. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on my credit report.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

My computer was stolen and it had my tax forms as well as saved passwords for XXXX, XXXX and other shopping sites. 

I requested a freeze from Experian as a precautionary measure. I also closed my bank accounts that were linked to those accounts and my XXXX and XXXX. 

Now I cant reopen a bank account because of the freeze. There is no human to speak to at Experian and the only way to remove the freeze is by mailing hard copy proof of address, utility bills, etc. 

They have no email or fax option. 
There was NO WARNING when I set the freeze that the reversal would be so slow. 
I am a XXXX XXXX  and dont have a utility bill in my name, a drivers lisense with my current residence, etc. 

I feel like MY information is being held XXXX by Experian- while they make money off me. 

There is no excuse for them not to have ways to submit information electronically- my doctor and FSA account - have ways to safely upload and encrypt documents. 

My advice to others will be dont freeze your account, just watch everything carefully! Experian is unaccountable to the consumers. They need to have a more expedient way to reverse these so-called protections. 

At this point I feel like they are financial XXXX.
Consumer complaint received 2019-04-18
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: SYNCHRONY FINANCIAL (NY)

Have a paypal account with purchases to default to my checking account I just received a statement that shows changes to pay pal credit and a late fee. 
I did not authorize these charges to my pay pal credit account. 
When I call the customer service number no person is ever available to talk to you you just get an automated system to make payments. 
They really have no dispute process just a pay process. I need a person from pay pal credit to communicate with me on this disputed matter. As a result of their stonewalling they are charging exorbitant late fees to my account on charges I did not authorize them to make.
Consumer complaint received 2019-04-18
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: Army and Air Force Exchange Service (FL)

I opened an account with Military Star in XXXX, many years later ( approx. XXXX ) made an insufficient payment via allotment. Military Star has reported a late payment on my account to 2 out of 3 credit bureaus. The infraction occurred as I was tasked to go overseas, I purchased deployment items which raised my required payment a few dollars outside of my set allotment. Once I realized, ( a week or two at most ) I paid the delinquent amount and raised my allotment to cover any future events. I have been in good standing with this company every since the late payment which was over 10 years ago. 

I have written to them several times ( 4 ) and have either been ignored or rejected. Recently, spoke with XXXX and she refused to make any changes to my report and told me to just keep writing. I have an XXXX credit score this is the only thing holding me back. 


Please help, XXXX year veteran
Consumer complaint received 2023-07-06
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC. (CA)

This complaint is regarding Violation of verification and reporting of auto loan from XXXX XXXX XXXX. Negative items ( auto loan ) on my credit report ( s ), where I personally contacted the creditor and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative auto loan also reports as joint account? Your assistance is greatly appreciated. 
Out 3 CRA only Equifax is the one that is reporting account of joint auto loan outdated SINCE 2015, not my account/ never had auto loand with XXXX XXXX XXXX incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

The company navient has lost my trust and hope to ever pay back my loans. I never can get the right amount I owe. The numbers change constantly on paper and over the phone. I Have been coerced I to getting money taken out of my paycheck but not actually telling me or exactly telling me that wouldnt happen even though they new thats what they where trying to get me to do almost ever time I call. I feel like the o my way to deal with them is by hdwritten letters thats how bad it is. They say if I pay XXXX dollars or XXXX they will forgive XXXX of dollars worth of loans. Nobody has yet given me a number in years and nobody knows? Something is quite not right here.
Consumer complaint received 2023-07-06
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX : {$800.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (HI)

Opened a CD with Synchrony Bank online. 
They will not allow the CD to expire and be paid at maturity without CALLING IN ON THE PHONE. 
They permit changing the term anywhere from 3 months to 5 years at renewal, but no option to just pay out the funds or transfer to the Synchrony savings account.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CA)

For the last five years a company called Conduent has been taking my Federal and State tax refunds towards student loans from XXXX. I have been struggling to resolve this since XXXX. Not a penny from my tax refunds from the last five years which exceeds over {$7000.00} has been reported or applied to the loans. This company continues to take take take. All numbers to contact them are disconnected. On my credit report theyre showing as XXXX XXXX and XXXX with XXXX as the debt collector. When I contact XXXX they tell me I need to go through the servicer whom is Conduent this is a complete scam! I didnt even receive any money for those loans back in XXXX and didnt attend that college course yet Im still being billed for it in XXXX. 

XXXX shows XX/XX/XXXX - Loan Amount {$870.00} disbursed amount {$470.00} cancelled amount {$400.00} outstanding principal {$640.00} outstanding interest {$49.00} XX/XX/XXXX - Loan Amount {$4000.00} disbursed amount {$2600.00} cancelled amount {$1300.00} outstanding principal {$2700.00} outstanding interest {$120.00} XX/XX/XXXX - Loan Amount {$2600.00} disbursed amount {$1700.00} cancelled amount {$870.00} outstanding principal {$1700.00} outstanding interest {$75.00} On my credit report XX/XX/XXXX - XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$2300.00} Opened - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$760.00} Opened - XX/XX/XXXX My tax refunds taken by Federal Owed Student Loans XX/XX/XXXX - Taken from my refund {$1300.00} XX/XX/XXXX - Taken from my refund {$1900.00} XX/XX/XXXX - Taken from my refund {$2100.00} XX/XX/XXXX - Taken from my refund {$1800.00} Money taken from my State Refund towards federal owed Student Loans XX/XX/XXXX - Taken from my State {$240.00} XX/XX/XXXX - Taken from my State {$350.00} XX/XX/XXXX - Taken from my State {$440.00} XX/XX/XXXX - Taken from my State {$610.00} I havent received a tax refund in over 4 years. All debts keep going to some Federal Student Loan but not being applied to any of the debts! All numbers are  disconnected or not in service to try contacting the servicer! I am at a complete loss and feel violated that the government would allow this to happen and not allow a XXXX XXXX to be able to contact and speak to someone about the money being taken or even researched. This is unacceptable for a debt from XXXX to carry on this long and have no solution but for me to constantly be harassed by an invisible company that takes my hard earned money with no communication, certified emails or letters. I want the loans to be washed away and I want the money refunded back that is owed to me for the thousands of dollars extra that have been taken.
Consumer complaint received 2020-11-06
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. (FL)

I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2019-04-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I am not certain this is the correct category ; however, here goes. I have never been late on my mortgage payments ; however, I was in a bad loan. I was approved for a Home Affordable Modification with Citi that  had a {$16000.00} deferred amount. I was advised recently the amount would balloon to {$190000.00}. On every statement to date only reflects the $ XXXX amount. I told the representative nowhere did the modification convey a $ XXXX amount and how would I know as a consumer the amount would balloon to this excessive amount? The Citi rep. stated the amount was implied and I would NOT know as a consumer. To insure I had received correct information, I have spoken with 3 different reps. and requested copies of my modification. All 3 reps. confirmed only the $ XXXX and did NOT see any other amount. All 3 documents received did NOT provide the $ XXXX amount. Your assistance is needed. This is a predatory loan. Please help me.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AK)

I applied for income driven repayment on XX/XX/2018. They responded and said, " We received your IDR request on XX/XX/2018. We will review your request and send a follow up email by XX/XX/2018. This email will detail next steps and any additional actions needed. '' I also applied for forbearance at the time because I could not afford to pay $ 2500+ each month. Although the person I spoke with said she could postpone the payment. They did not and since I had automatic payments they took this out of my account. 

It is now XX/XX/2018, and although I have spoken to them several time about whether this has been completed, they still have not sent me any documentation concerning the loan. They have told me on the phone what my payment will be, as well as what the interim payment is, but I still have not received anything in writing. 

I would like to have XXXX XXXX finish this process and quit dragging it out. I need documentation of what the next step is.
Consumer complaint received 2019-04-18
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. (WA)

I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.