davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (VA)

Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, XXXX
Consumer complaint received 2018-03-01
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. (MO)

I filed a dispute with Experian XX/XX/XXXX for inaccurate information showing up on my credit report for XXXX XXXX XXXX. I do not understand how XXXX/XXXX are not reporting this account but Experian do and carry a balance of {$3.00}, XXXX. XXXX XXXX is reporting incorrectly as well due to a balance of {$6000.00} on Experian and for XXXX / XXXX is showing a balance of {$0.00}. XXXX XXXX XXXX XXXX shows 130 dsys late on Experian XX/XX/XXXX but XXXX   don't report it and XXXX  report me being 120 days late XX/XX/XXXX. Since XX/XX/XXXX I been fighting to REMOVE inaccurate information off my report. I just received a letter from Experian stating they will not reinvestigate.
Consumer complaint received 2022-10-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXXXXXX : {$19.00}
Consumer complaint received 2022-10-06
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aurora Enterprises, Inc. (FL)

This company contacted me about a false debt that was created by an internet provider that I used to use. I informed them that this was incorrect and later provided them with the dates of when I ended my service with said company. I agreed to remove the debt but they never did. I contacted them numerous times about this and they continued to say that it would be removed. Later they would sell the debt to another debt collection company.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc (CA)

Best Serv Co ( collection agency ) has reported a debt on all 3 credit bureaus after my dispute that the debt was paid many years ago. They are collecting for XXXX XXXX. XXXX XXXX and I had a dispute over product that I paid for and returned. They charged off the debt in XX/XX/XXXX despite my dispute and documentation. Best Serv Co has re-aged this account on my credit report in violation of FCRA Section 605 ( c ). They are showing that the account opened in XXXX. I informed them I did not agree with the account, the balances etc and they just ignored me and now illegally report the debt using strong arm techniques. The account is over 4 years old regardless and past the statue of limitations. It is also being duplicated by XXXX XXXX and Best Serv Co was informed of this. They also just list themselves as N/A on XXXX so that I can not dispute properly
Consumer complaint received 2022-12-01
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. (FL)

I SETTLED THIS XXXX ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH EXPERIAN AND XXXX DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME XXXX  SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH XXXX THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.
Consumer complaint received 2022-10-06
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2018-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX Sallie mae/Navients normal web page was down as far as making payments, and so the site redirected me to a seprate page, I made the payment, but apparently entered in an incorrect number for my account. I realized the mistakes days later when i saw no change in my balance. In realizing the potential problem I called to ask for verification that the payment went through, they told me they will put in a request and then never got back to me. 

Weeks later they call me with one of their automated systems telling me I was being sent to collections for not paying the amount due. At that moment i explain to them my having called previous to ask about it and then paid for both that month and XX/XX/XXXX. 

During XXXX XXXX weekend of XX/XX/XXXX, i recieved atleast 3 calls from sallie mae/navient to tell me my loan payment for the prievious month is late for somewhere between 200-400 dollars. This Automated system did this through the weekend even though when you go through the process during at that time there is no one at debt collection. Meaning every time I was xalled through that weekend it was just to burdun me and leave me feeling harassed! It wasn't till the week after that i was able to reach someone. And in trying to explain my situation to the operator on the phone, she was somewhat grough with me as i tried to explain the money was inappropiately allocated, and acted as if the issue was my fault. It took a second phone call to get someone to actually listen and see what their system did! 

During this time they also inconvenienced and harassed my Grandmother and Aunt who where my co-signers. 

When I called to ask about taking them off as co-signers they told me I would need to be in good standing of paying my loan for 2 years for that to happen, but at that time without the incident at hand that would have been the case. 

I have also had issue with there conduct as far as changing my loan payment schedule. Last year the loan payment due was well over 50 % of my monthly income, and in asking to lower it, they tell me I had no available opinions, and on one specific call to ask for assistance my call was dropped no less than 4 times, and sent to collections 3 times even though my account was upto date. And finally when I did get to finally talk to someone who actually took the time to talk to me.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The hard inquiries list needs to be removed : - XXXX  XXXX on XX/XX/2022 This morning I received many notifications about someone requesting my credit profile after I unfroze my credit report. That is absolutely unacceptable since when scamming is everywhere and my personal identity was leaked or not. that is a fraudulent activity I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2022-05-03
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.
Consumer complaint received 2022-12-01
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. (FL)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a business checking account closed. I am guessing that they contractually had the right to do so. However, upon closing, the balance is supposed to be mailed. After getting suspicious, I went to my banking center and made several calls. They confirmed that a check for approximately {$7800.00} was mailed on XX/XX/XXXX. After inquiring on XX/XX/XXXX I was told they were within the 7-10 day processing period, to which I disagreed. After inquiring again on XX/XX/XXXX I was told that they would not stop the check and I would have to wait 90 days to verify if the check was not cashed and they would issue another. I was not provided the contact information for the legal department and was told I would have to find that information for myself. I then filed an OCC complaint and was called by a Bank of America representative who handles OCC complaints. She verified she had received the complaint and would get back to me that day after some research. Not hearing from her I had to initiate contact myself once again. I talked to a woman in the account closure department and XXXX XXXX XXXX whom I believe is in some type of resolution role. I was then contacted by XXXX XXXX ext XXXX who originally called me about the OCC complaint. After much discussion, I was told a check for MY FUNDS could not be stopped and that I would have to wait 90 days to see if the check had been cashed. I find this all very disturbing and unacceptable that a financial institution can not distribute my money from my account. The closure did n't involve any investigation that would tie this up. It was simply a business decision on the part of Bank of America.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called transunion concerning my dispute status update. I spoke with a guy it was very hard to understand him becaue XXXX was not his XXXX language. The guy gave the name of XXXX XXXX and did not want to provide his last name. I honestly don't beieve he gave me he correct name. He stated he didn't have an open diute for me when I submitte the dispute on XX/XX/XXXX. I was advised in the email I would recieved a estated copmpletion date of XXXX, XXXX, XXXX. I advied the man on the phone I hadn't recieved an email concerning my disputes cases. He then said we contacted you by email wa incorrect, I have yet to recieve an update on any diutes filed XXXX XXXX, XXXX, XXXX. I asked him about removing an old address of my file. He stated he needed to ask me some random questions. He asked 4 questions and one oh which he aske me about someone name XXXX XXXX, I advised him I don't know an XXXX XXXX. I don't have any children and that is not the name of my father nor my brother. The man on the phone XXXX stated I fell and he couldn't assist me further. I am a victim of ID Theft and I have filed a ftc report concerning the fraud Id theft I've experinced. I want something in writting providing my ownership of said accounts.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

on XX/XX/2022 I have come to visit a bank facility of XXXX XXXX XXXX XXXX, PA XXXX to close all my accounts personal and corporate. 
Talking to the person at the desk, giving them my ID and transferring all my money from my business account to personal account. I have withdrawn all funds and I have been informed that all my accounts are closed. 
I am in the XXXX and do not plan to go back to the XXXX the person assured me that the accounts were closed and I can not worry about them. 
Unfortunately, in a few days the transaction for the company XXXX card has been processed and fees are still being charged. FOR CLOSED ACCOUNT!!! ' after closing the account, no transactions have any right to exist. 
I'm not gon na pay for anything. 
This is usually a scam. 
I started getting payment requests after my account was closed!!!
Consumer complaint received 2022-07-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (WA)

I recently recieved a notice from the DISCOVER, Bank Customer Service. It indicated that they had recieved a application, on my behalf, to open a Discover Bank Account. It inidcated that the application has been cancelled as of the date XX/XX/2022. 

I contacted Discover and the customer service indicated that someone indeed tried to open a account on my behalf, but could not provide the necessary detatils to continue. 

I told them that i have never asked for a Discover Bank Account and that whoever is trying to do this is commiting fraud. 

Im sure there is other data in Discovers records, from the person who tried to open an account.

What can I do?
Consumer complaint received 2018-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

Company- loancare issue- failure to cancel PMI On XX/XX/2018 I paid my mortgage down to below 78 % for which requires the services to cancel my PMI. I contact them in writing twice and phone twice. The first phone call they stated they would cancel PMI asap in accordance with the law. As of a month later it has yet to be cancelled and on XX/XX/XXXX I contacted them again and they stated they have not canceled it since they must look into the loan to make sure everything is up to date which it is. I contacted them again in writing stating I would submit a formal complaint for failure to act in a timely matter and propagation of false information over the phone. They have still not gotten back with me nor sent me any documents for removal of PMI, or even asked for proof of no secondary liens on the property. 
I have never missed a payment, have a credit score of over 800, and they are have subsequently failed to follow the laws of PMI cancelation. Terrible company. One would only expect to have issues with a company when they are late or delinquent on payments but to perform illegally against customers who are up to date on payments is ridiculous.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$260000.00}