davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1400.00}, {$2900.00}, {$3700.00}, {$4700.00}, {$2500.00}, {$5200.00}, {$2200.00}, {$2300.00}, {$5700.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- STUDENT LOANS 4. U S DEPT OF EDXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

5. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

7. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

10. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

11. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (NJ)

I have been receiving daily calls from professional account management llc for months. It is a robo call with no options but to call another number. XXXX is the number that keeps calling. I don't have any debt in collections or anyone in my household or with my number. There seems to be no way to stop them from calling or talk to a human. The call seems like it is fraud. Since there is no way to contact or even go to website to report very difficult company to work with. They are also requiring account number when you do this or other info. I don't have any info that is valid as they are calling for someone else account.
Consumer complaint received 2020-02-05
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. (TX)

XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX  XXXX  did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. 

It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. 

We are disputing the 30-day late notice on our credit report for this reason.
Consumer complaint received 2022-08-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have a school loan I have been paying to Navient and they seem to keep loosing my payments or can't find them. From XX/XX/2018 to XX/XX/2018 they said they haven't received my payments. I've been sending them payments by money order and I have all of my receipts from my money orders. This is the second time they have lost my payments. The first time was in XX/XX/2018 and they told me to do a forebearance for that. I have my receipt for that month also.
Consumer complaint received 2023-07-27
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. (NJ)

This is my 3rd submission that I am filing to notify XXXX and Equifax Bureaus that I am a victim of identity theft and I sent this submission to dispute certain remaining inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of any information in my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. Also, the reporting details you provided on some inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TX)

I looked onto XXXX XXXX and saw a collection for {$610.00} from Ad Astra Recovery saying it was opened XX/XX/2016. However i have no paperwork or my official signature to support that nor have i even taken out a {$600.00} loan.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (VA)

BB & T closed my account for no reason, the account # is XXXX, and they keep telling me they will send me a check with the final {$980.00} in my account but nobody is telling me when I will get it. In the meantime, I am dealing with an eviction and other issues and when I contact the branch, they tell me, " A letter is being processed and you will get your money soon! '' This has been going on for a month now.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I was a victim of a Hipaa Breach that was announced in the XX/XX/XXXX. The breach involved a Health Department worker working at the XXXX XXXX  XXXX. My protected private information, medical records and social security number was compromised. I was instructed to check my credit report after my release from XXXX   XXXX. 
After my release I tried to apply for a bank account on and that was when I found out that I was in ChexSystems. XX/XX/XXXX was when I received my credit report from them. Analyzing the file I instantly notice the inaccuracy of my name and address and more. What stood out the most were two different occasions where it was checks ordered. In my initial dispute I clearly explained how I was a victim of a Hipaa Breach affecting hundreds of XXXX. In my dispute XX/XX/XXXX, I explained how I was requesting my file so I can check if it was fraudulent activity done while XXXX. In my dispute I enclosed a letter head from my XXXX XXXX signed showing the dates I was XXXX. 
ChexSystems started their investigation on the matter and kept me updated. ( I have the reports ) At the end of their investigation in their letter they stated how the information came back verified and then listed telephone numbers to call the banks. My problem is that when they verified one of the banks they provided me a copy of a signature bank card I originally did with the bank. As I disputed to them was that I needed to see the information surrounding the fraudulent activity because I knew the account was mine. Fast forward to now, is that they still reports false inaccurate information and also Im still unable to obtain a personal bank account due to Fraudulent activity and they are inabling criminals to do identity theft. My problem is XXXX XXXX XXXX inst reporting it to them but ChexSystems still report it making it so hard to recover. Also is if they really did a investigation they will see how the fraud wasnt from Me. Its more also however Im trying to take steps before I file claims in courts.
Consumer complaint received 2021-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Their website or phone service does not allow you to pay off your loan early. The only option to " make a payment '' leads to editing your credit card or debit card details. I called their customer service number to see how I could make a larger payment on the loan, that wasn't the monthly scheduled one, and the representative said that I have to wait for the website to be fixed. Unfortunately, there has not yet been a fix and there is no way to pay off the loan early. This means that Citizens One can collect more interest on the loan and keep me in debt, despite my ability and desire to pay off my loan.
Consumer complaint received 2018-01-27
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: EQUIFAX, INC. (FL)

Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I currently have 5 direct loans serviced through Navient. I recently paid 2 of my 5 loans off. 

When paying the loan online, Navient quoted one price but it turned out that the loan was actually a lesser amount due. I over paid the amount owed, and realized I had over paid the loan 2 weeks after the payment was made. 

I contacted Navient in regard to this situation, and requested a refund for the over payment amount. Navient responded with an apology for their system not catching the error and submitted a request to their refunds department. 

On XX/XX/XXXX, I was told that a check had been cut and sent to my address. Around XX/XX/XXXX I noticed I had not received anything in the mail and followed up with Navient. 

Navient then told me the process takes about 3-4 weeks to receive the check in the mail. I made them aware that time period was closely approaching and I would wait for my check to come as that 4th week approached. 

On XX/XX/XXXX, I called Navient again, they told me they hadn't sent the check the first time that it was actually sent XX/XX/XXXX. I would then again have to wait 4-6 weeks for my check to arrive and that it was no fault of theirs but the U.S. Treasury 's and there was nothing they could do to expedite my payment. 

On XX/XX/XXXX, I called once again, and I was told they didn't know what happened to my check but I should get it whenever it arrives and the U.S Treasury is the hold up. I then spoke with a manager and he was able to cancel the check and offer to put the funds directly in my account. I agreed. 

The manager then cancelled the check then told me to expect to wait another 6 weeks, as I would have to go through the waiting process all over again, because a different form of payment was being processed. I angrily asked, " Why he didn't explain this to me before he cancelled the other check?? '' He had nothing to say. 

I called again today and was given the same run around. He even went as far as to say, " Maybe we already paid you, and you just forgot.. '' The agent used the same script as the other agents and nothing is being done to refund my money. 

This isn't right and I feel this should be looked into. Granted the over payment money may not be much to most people, I work very hard for every penny I have and people shouldn't be treated like this.

Any assistance would be greatly appreciated. 

Thank you. 



Step 4 : What company is this complaint about?

Step 5 : Who are the people involved?
Consumer complaint received 2019-01-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

On XX/XX/2018 Carrington Mortgages LLC approved me for a Mortgage Loan. My loan manager XXXX XXXX pre approved me for over XXXX dollars. I closed on a home on XX/XX/2018. My closing date was scheduled but it was changed four times due to inconsistencies of processing my loan application and mismanagement issues with the underwriters. I had three underwriters in the course of four month reviewing my loan. My closing dates changed four times. 

In fact, I was led to believe I was approved so I had an earnest money of XXXX XXXX dollars.deposit which I want in return for this issues and my loan manager not being transparent with me upfront that I wasted my time and money going through this burden past four months. 

My realtor told me that Carrington Mortgage LLC was going to return my deposit, I have not received it that's why I am writing this complaint I did not appreciate my loan manager speaking directly to my Realtor in reference to my loan and my medical conditions with the VA. During a conference call with the VA , my loan manager stated that I will not get a mortgage loan with another company due to what's in his credit report. I found this unprofessional and I was offended by this. 
This is unfair business practice and a violation of my privacy.
Consumer complaint received 2019-01-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (IL)

I have reached out to the creditor CMRE Financial Services , Inc in regards to this debt w/ no communication of validation. The original creditor is XXXX XXXX XXXX. The amount of the debt is listed as {$80.00}.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report o XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I used my citi credit card to purchase an XXXX XXXX egift card from XXXX, but they emailed me an obvious invalid gift card. 

I tried to contact XXXX but got nothing fixed. Then I disputed the charge with Citi bank, but I got the answer from citi bank very disappointed. They only collect the proof from the merchant which I did make the purchase myself, but didn't investigate if the gift card they emailed me valid or not. They finally charged me for this transaction. I got charged {$610.00} for an invalid, fraudulent gift card, not even one penny in it! This really drove me crazy!!!
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/19, I sent a follow up letter to TransUnion requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX  did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.