davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
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: IQOR US INC (AZ)

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka Allied Interstate LLC, aka XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was Allied Interstate LLC, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birthXX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened up a checking account with Bank of America at XXXX XXXX XXXX XXXX, XXXX. I used XXXX to open the account. On the XXXX I withdrew XXXX in person at the branch. On the XX/XX/2019 I used the atm. The branch put a limit of XXXX per day on my card. I had activated the card the same day. I could only withdraw XXXX that day. I had to use the teller assist on the atm to get the remainder of XXXX to equal XXXX total. The bank then stole XXXX. Making my balance XXXX. Instead of XXXX. 
I want my money now. They need to give me My money. Attached is a photo of what it says in my app as explained above.
Consumer complaint received 2019-04-02
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: EQUIFAX, INC. (IL)

To whom it may concer, Once again, Equifax has allowed credit inquiries to show up on my credit report without my permission ( despite having a fraud alert on my account ). On XX/XX/2019, I recieved a notice from XXXX XXXX that an inquiry from " XXXX/XXXX   '' was added to my Equifax report. On further investigation, I found out that this was for a XXXX credit card. Despite having a fraud alert on my Equifax report, I never received a call from XXXX or Equifax asking to verify my identity. This needs to be removed immediately. Why is Equifax so bad at protecting people 's credit? 

Thank you for your time. 
Regards, XXXX XXXX
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. (LA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). NASA FEDERAL CREDIT UN is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-04-02
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. (DC)

XX/XX/XXXX -- I was informed there was some kind of Fraud Alert on my account. I called XXXX - no Fraud Alert. I called XXXX - no Fraud Alert. I called Experian -- they had a Fraud Alert that was  several years old. Why only them? I have no idea. I never requested a freeze or anything on my account ever!!! I asked them to remove it. They sent me a letter saying they removed it. And then in the next paragraph said, they put another one on ... in the same letter!!! And they informed both XXXX XXXX and XXXX. 

A week later, I get a letter from XXXX and XXXX telling me that they put a 7 year Fraud Alert on my account b/c of Experian. XXXX?!!!! 

Then I called Experian and complained. I insisted on speaking to a supervisor to clear up this mess. They said, they wouldn't help me with the other 2 companies ... but it was their mistake!!! 

I called them both XXXX  and XXXX, and told them it was a mistake by Experian, so they both lifted it ... no problem. Then I called Experian again ... spoke to a supervisor to clear up this issue. They said, they cleared it up. Then I get another letter from Experian telling me that they put another Fraud Alert on my account ... again saying that I requested it. In fact, I requested the exact opposite. 

This happened twice already and now, it's happening a 3rd time.

Their phone customer service system is so ridiculous!!! It won't let you get to a live human being. It takes you in circles over and over and over and over and over and over and over again. And it won't let you lift a fraud alert. It ONLY allows you to put one on. 

I can not fix this cycle of abuse on my credit. And no one there cares or gives a XXXX. I've been hung up on several times while trying to clear this up in the last month. 

I am ready to XXXX someone ... maybe myself. I do not have a XXXX, but if I was XXXX  or XXXX or XXXX  then somebody would get XXXX b/c of Experian. 

I am so extremely frustrated. Three weeks of this XXXX. There is no help in this cycle of abuse. Why can not the government tell them to fix their issues???!!!! 

This ain't no April Fools joke. I'm ready to XXXX XXXX XXXX.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

A few months I sent Diversified Consultnts a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

Thanks, XXXX XXXX
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I had an account with Georgia XXXX XXXX that was open for 1 month for a rental home I sold. They never sent me a bill for that month and then sent me to collections. The collections company, XXXX XXXX XXXX, claimed they tried to reach me. However, they would call and ask me my name and SSN without telling me who they are and I thought they were a scam. When we finally figured it out we paid immediately. However we never received ANY written notice and GA XXXX XXXX claims they sent us one bill. The collections agency, who never properly identified themselves reported this to company. I would like to see how to resolve this as neither the collections or Georgia XXXX XXXX were helpful.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX credit account # XXXX is not been reported with Transunion and XXXX as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with Trasnunion and XXXX and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter  XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX and XXXX XXXX and a US XXXX XXXX Military Veteran.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX XXXX account # XXXX is not been reported with XXXX and Equifax as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with XXXX and Equifax and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of XXXX days that needs to be remove as this credit trade line was reaffirmed in XXXX XXXX on XX/XX/XXXX Bankruptcy XXXXr XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, XXXX  XXXX XXXX. 
I am respectfully Retired and XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IL)

I opened up a dispute for {$2700.00} for a XXXX XXXX XXXX charge. I signed up for commercial auto insurance through this company and had problems from the initial sign-up. Navy Federal asked me for a copy of the correspondence with the company and any additional correspondence showing they did not fulfill their side of the obligations. I uploaded those documents on time through their portal. Navy Federal never called me for additional verification or with any questions, they just canceled out the temp credit, and now my account is negative for {$2700.00}. I have contacted Navy Federal, and I am not getting many answers.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I opened an account with XXXX XXXX in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9 months early. 
I received a letter from XXXX in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now XXXX reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the XXXX XXXX XXXX  to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.
Consumer complaint received 2022-09-16
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. (MI)

I have new and updated information regarding XXXX and Transunion. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

XX/XX/XXXX : I called XXXX XXXX customer service due to not being able to complete my IBR renewal online following submitting for a name change. The online system had not updated my last name from marriage and their online system reflected that I did not have any student loans to renew. I spoke with customer service about my concern submitting this renewal prior to my due date. The customer service representative told me that I could submit my photo ID to the upload box online and that if my IBR was a little late while the name change was processed that this would not be an issue. I uploaded the required documents on XX/XX/XXXX following my phone call. 

XX/XX/XXXX : Called XXXX XXXX with concern that name change was still not reflected and I could not complete IBR renewal as my account was still not reflecting having any loans in my name. Customer service agent told me that the name change request was never submitted and she then said the best I can do is mail you a paper copy for your IBR renewal. It will take 7-10 business days. I requested it be sent out and reiterated my concern of completing on time. 

XX/XX/XXXX : received copy of IBR renewal. Submitted online on XX/XX/XXXX. 

XX/XX/XXXX : called and spoke with customer service following notification of upcoming payment due on XX/XX/XXXX in the amount of {$700.00}. Customer service representative, XXXX told me that my IBR request was approved but not until XX/XX/XXXX. I relayed concern with previous calls and asked for this to be changed. XXXX reported that she could put in a request to review my account but that a name change isnt a good excuse when the renewal is available online. I asked XXXX to please review the information listed about my previous calls. XXXX told me that the review would take 7-10 business days to review. I responded that this would take me to the due date of my XXXX payment and asked her to expedite the request. XXXX advised me to suspend my payment or apply for forebearence. XXXX stated that she would try to expedite the review.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (UT)

I have been trying for 2 days to obtain my credit report from Equifax. Unable to obtain it online as every browser I use gives me the same response. " Site can't be reached '' or " can't find the server ''. No problem getting my report from XXXX or XXXX. Accessed online chat with Equifax and explained my problem. Advised I had to call their customer service number. Gave some stranger in a foreign call center all my secure information only to be told I had to make a copy of my ss card and drivers license along with a cover sheet and fax it in to get my report. No one I can speak to regarding the functionality of their website and no other options given. It should not be so hard to get my report. Checked online forums and it seems that this is a pattern with Equifax making it difficult for people to access their reports. This situation needs to be looked into asap. Extremely unfair to the consumer not to mention the security risk in giving some stranger overseas all your secure information.
Consumer complaint received 2019-04-01
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. (OR)

Experian was sent a letter dated on XX/XX/XXXX to remove and delete the following account from my credit report. 

Original Creditor : XXXX XXXX XXXX, Original Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Current Owner : XXXX XXXX XXXX This account was a charge-off reported on XX/XX/XXXX. Experian completed a investigation on XX/XX/XXXX instead of deleting this account as requested, Experian added a 2nd charge-off to this account on XX/XX/XXXX. This is inaccurate representation of personal financial information by Experian. It's inaccurate to have two charge-offs on the same account when this account has been deleted from the owner of the account who is XXXX XXXX. 

This account was charge-off and sold to XXXX XXXX on XX/XX/XXXX. Please see the attached letter from XXXX XXXX dated on XX/XX/XXXX deleting this account from my credit report from all 3 credit agencies.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

I opened a Citi priority checking account on XX/XX/XXXX. And I transfer {$10000.00} from XXXX XXXX  to this Citi checking account. Then my citi checking account was closed on XX/XX/XXXX. 

I submit the complaint through CFPB, and the Citi respond me on XX/XX/XXXX said they will issue me an official check to refund me. But on XX/XX/XXXX, they send me another letter said that we can not verify the funds in the account. They asked me to contact the sending institution and have them debit the account via an Automated Clearing House ( ACH ) transaction. 

I asked the XXXX XXXX, they said the transaction is already finished. They can't do anything about it. I just want Citi to give my money back.
Consumer complaint received 2019-04-01
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. (GA)

I sent in the proper documents and they still didn't delete the accounts that I have on there. 

XX/XX/XXXX {$3800.00} XX/XX/XXXX {$17000.00} XX/XX/XXXX {$5900.00}
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (IL)

XXXX was contacted with written request and proof of identity in regards to consumer report and freeze on the XXXX th and again on the XX/XX/XXXX also have left several messages via phone and faxed request as well no communication or evidence of issue has been resolved