davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MIDCOUNTRY FINANCIAL CORP (CA)

I XXXX XXXX XXXX XXXX, have tried to contact Pioneer Services but they have closed for business as per their website ( https : //www.pioneermilitaryloans.com/ ) and the have sold my loan to XXXX XXXX  XXXX XXXX XXXX XXXX . I have tried to contact the new company and inform them about the XXXX and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Hello, I got a pre-approval for a car loan with XXXX XXXX approx XX/XX/2018. I went to XXXX XXXX XXXX to purchase a car with my approval, which they said they would accept. They said they needed to re-run my credit to confirm that it had not changed when I arrived and I agreed to them running my credit to verify. During this time, they ran my credit multiple times with multiple banks resulting in multiple inquiries.I am attaching the pre-approval letter I received from XXXX XXXX as well as proof that used the XXXX XXXX approval for my loan. I never knew of the additional inquiries and never approved them as I was already pre-approved which I did specially to avoid having multiple inquiries. I would like all of the inquiries from XX/XX/2018 removed from my credit report. Thank you.
Consumer complaint received 2023-03-09
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. (IL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$300000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-01-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

I opened a Citibank banking account package because there is a promotion running. It said I could get {$500.00} bonus if I opened the package and transfer {$25000.00} to the account and keep it till XX/XX/XXXX. I tried to open through the link provided, but it said system could not verify information and asked me to call and apply. So did I, and the agent over the phone confirmed that I successfully opened the package and enrolled in the offer. I did all the requirements afterwards, but I do not receive the bonus as of yet. I called on XX/XX/XXXX and the agent said she would transfer me to personal banking department, but actually disconnected me. So I feel the only way is to complain through CFPB.
Consumer complaint received 2019-09-10
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. (MN)

XXXX XXXX XXXX received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. XXXX XXXX XXXX has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.
Consumer complaint received 2018-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

The issue at hand is unapplied funds with mortgage payments in excess of what is required. Funds in excess of the mortgage payment are not applied to the principal balance of the mortgage. Payments of {$300.00} per month result in :XX/XX/XXXX {$91.00}, XX/XX/XXXX {$97.00}, XX/XX/XXXX $ {$96.00}, XX/XX/XXXX {$86.00}, and XX/XX/XXXX {$53.00} ( total {$420.00} ) not being applied to the principal balance or my mortgage. Instead they are kept in an unapplied funds account ( in excess of the required monthly mortgage payment of {$180.00}. Please advise on how to proceed to get the {$420.00} in XX/XX/XXXX unapplied funds credited to my mortgage balance. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2020-09-23
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 believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.
Consumer complaint received 2018-05-22
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
Consumer complaint received 2023-03-09
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. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I chose Better mortgage for my most recent home purchase because they had an offer where you receive a {$2000.00} statement credit if you take out a mortgage with them. I was promised by my mortgage representative that my card was eligible and approved. After closing, I never received my credit. I reached out to Better.com several times and never got my credit or any real answer.
Consumer complaint received 2019-01-15
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. (OK)

XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, Equifax, and XXXX.
Consumer complaint received 2019-01-15
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. (LA)

Called XXXX XXXX to get a price on cell phone service. They asked for my SS # and I was not thinking they would run my credit. Had they asked for permission I would not have let them. I asked them to remove the inquiry as it was put there with out my consent. They refused. Please help, Thanks.
Consumer complaint received 2023-03-09
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. (NJ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.
Consumer complaint received 2019-01-15
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. (FL)

disputed inaccurate infoormation with transunion due to accounts that are not mine.file # XXXX i know that it may take some time to investigate and reach out to the company so iwas expecting to hear something back in about 30 day. to mt surprise i recived a update in 2 days saying dispute completed. how can you properly investigate and rach out to a company in less then 2 days. the accounts that i am disputing are not mines. i requested validation and recived nothing from either credit transunion or creditors.
Consumer complaint received 2020-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACCESS GROUP INC. (CA)

34 CFR 682.215 - 682.215 ( e ) ( 3 ) Income-based repayment plan ( " IBR Plan '' ) requires notification of the annual recertification deadline. The lender, Access Group, never once sent me the recertification notice since I enrolled in the program in XXXX. As a result, in XXXX, I missed the unknown deadline by a few days and more than {$60000.00} was capitalized into my student loan. I also just now discovered that the same thing happened around XXXX for around {$8000.00} after I also apparently missed a deadline. Access Group never provided me with the terms of the IBR Plan when I signed up, and it failed to warn me of the draconian consequences of missing the IBR recertification deadline by even one day. To date, I have never been given a due date for the annual recertification deadline -- even with the new loan servicer, which at least has sent warning letters. There must be other similarly situated persons. The loan servicer in XXXX was XXXX XXXX XXXX XXXX XXXX, but they have since folded, so I can't contact them. Previously, it was XXXX. I have complained to XXXX  ( Access Group 's company ) and filed a lawsuit, but they lied and said I was sent a 90-day warning letter in XXXX. XXXX provided a blank form without my name and address as evidence ( ATTACHED ), but they refused to " authenticate '' the alleged letter as genuine in the lawsuit. However, even if they had sent me that warning, the form still did NOT contain an actual deadline to recertify, as required in the above-stated federal regulation. Again, Access Group NEVER sent me the annual notification letter for any year I've been in the IBR Plan.
Consumer complaint received 2018-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (IL)

I notified the Debt Collector that their services were no longer needed, and I would prefer to settle with the original creditor. I also wanted them to send verification that the debt was valid. 

Sent certified letters on XX/XX/XXXX, XX/XX/XXXX. Have received another letter from them dated XX/XX/XXXX.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I transferred my money to an external bank ( bringing my balance to {$0.00} ) and then used the online message center to request that my checking account be closed on XX/XX/XXXX. I received a pop-up after submitting stating : " Thank you for your message. We will make every effort to respond within 2 days ''. A week later on XX/XX/XXXX, I received a message stating : " Thank you for contacting Citizens Bank via email. We apologize for the delay in responding. If you have not completed your request using another method please respond to us and we will work to assist your needs ''. On XX/XX/XXXX, I responded to the message once again asking for my checking account to be closed. As expected, I received the same pop-up about a response within 2 days. Three weeks have now gone by since my most recent message on XX/XX/XXXX without a single response from the bank. Then on XX/XX/XXXX, I received a $ XXXX monthly charge for the account, bringing the balance below {$0.00} to - {$24.00}. Had the bank simply responded within the two days either time and closed the account then I would not have been charged this {$25.00} fee ( and still be waiting for a response and the closure of a bank account over a month after my initial request on XX/XX/XXXX ).
Consumer complaint received 2019-01-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CO)

My credit report is showing this account as an open collections account. I spoke with their customer support and they assured me that they are not a collections company and I have confirmed that my account is up to date on its payments. 

I would like to have this collections account removed from my credit report as it is a current account and shouldn't be showing negatively on my report.
Consumer complaint received 2023-03-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (WA)

- On XX/XX/XXXX, I initiated an international money transfer for {$14.00}, XXXX to an international recipient using the TransferWise.com remittance service. 
- In the prior 6 months, I had successfully performed 6 remittances to the same recipient without issue. 
- I paid a fee of {$130.00} to Transferwise to conclude the transaction within 3 days - By XX/XX/XXXX the funds had not yet been received by the recipient. 
- On XX/XX/XXXX, I contacted Transferwise customer support to inquire as to why the funds had not yet been received by the recipient. They indicated that they did not know what was causing the delay but they would look into the matter. They also indicated that they did not know where the funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support again and inquired as to whether they had been able to locate the funds. They said they were still looking. 
- On XX/XX/XXXX, I contacted Transferwise customer support again, but still they were unable to tell me where my funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support and asked to speak with a manager or have my case escalated. I was informed that there was no escalation procedure and that I should keep waiting for them to try and trace the funds. I asked where my funds were and they said they did not know. I also asked when they expected to have located the funds and they said they could not tell. 
- On XX/XX/XXXX, I contacted Transferwise customer support again to inquire if they had traced my funds and they indicated that they had not been able to make any progress on the matter. At this point, more than 2 weeks had elapsed since I had initiated the transfer. I had also incurred significant financial loss since I had to borrow funds to pay the recipient who should have received the initial transfer. 
- As of today, XX/XX/XXXX, I still do not know what happened to my money and I have not been able to get any resolution from Transferwise.
Consumer complaint received 2023-03-09
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}