davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (FL)

I XXXX from the military in XXXX and moved out of state. I updated all my address information because it was demanded by the military that i do so. Fast forward to XXXX I get a letter from XXXX on behalf of AAFES that i owe {$19000.00}. i have no idea what this debt is from. When i was going through my exit clearing the military i was required to get clearing papers from AAFES and other Base agencies so that i may retire and i did. Now after 8 years i get this letter. They claim that they had an old address and that it was my responsibility to let them know about the address change... but i had no idea who they were so how could i have known. also when AAFES cleared me i thought i was good to go. They have collected my tax returns and now they want to take any money i have. i have contacted them several times to get them to stop but they dont stop and they charge extremely high interest rates. i will never be able to pay that amount. i dont owe that money!!!
Consumer complaint received 2019-04-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to dispute unauthorized hard inquiries listed on my credit report on accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 

I have noticed several unauthorized hard inquiries that I did not authorize or initiate. These inquiries negatively impact my credit score and financial standing. ( Listed below ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, my wife and I was attempting to open an account with XXXX. However, they checked " XXXX '' ( or something like that ) stated we have an account with Truist/BBT account XXXX I had know idea. We went to the Truist bank and found there were 4 check and savings accounts were open and closed and 1 open account ( {$170.00} ) which was open XX/XX/2021 ; all account were opened using an expired ID and my SS #. AGAIN, I had know idea! It was obviously fraud. In additions, it looks like whoever used the account deposit {$300.00} dollars which Truist bank have been charging monthly bank fees for a YEAR. The bank representative said it appeared it was opened and closed online and that he couldn't do anything about it now because it was the weekend. Eventually, another bank rep. ( XXXX ) got involved and said she will contact the bank manager on Monday and said she will give me a call back. XXXX called back and stated she filled out a " fraud form '' and emailed to the proper department and they should call me in a few days. No one called!!! I called XXXX back and she forgot the issue and that she can't do anything about it. I proceeded to all customer service, the rep. transferred the call to " XXXX  ''. The rep. from XXXX  said she doesn't see any fraud form in there system. The XXXX  rep. transferred the call to the fraud department. I WAS WAITING FOR A REP. FOR TWO HOURS!!!!! I had to disconnect because I was working and needed to go into a meeting. AT THIS TIME, NOTHING HAS BEEN RESOLVED!!!!! 

I WAS ONLY ABLE TO TAKE PICTURES OF THE BANK SCREEN BECAUSE THEY REFUSED TO PROVIDE STATEMENTS. THE CONTACT INFORMATION IS NOT MINE INFORMATION. THAT IS NOT MY EMAIL ADDRESS.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed 4 times and sent documentation for each dispute. Transunion, XXXX and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXX bank paid, XXXX XXXX sold to XXXX paid, XXXX XXXXXXXX also sold to XXXX paid, XXXX XXXX XXXX paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank transferred {$850.00} from my checking account ending in XXXX to my mortgage loan account ending in XXXX on XX/XX/24 in error. This has caused my checking account to be overdrawn by ( {$390.00} ). I havent been able to use the funds in my account since XX/XX/24 as a result of this which is very inconvenient and causing financial hardship for me.
Consumer complaint received 2017-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was XXXX XXXX XXXX when I was listed as an occupant on the lease agreement. I wasent living there the whole lease term I would stop by a few times and I have spent the night so my aunt decides to move and they have a balance of 1 months rent on my credit and the credit agency is saying that since I was over XXXX at the time she moved out I am being held responsible for the debt! Now that Im trying to get my own place on my own
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I tried to be removed as a joint account holder for a XXXX checking account, but I was unable to unless the account was closed by the primary. I tried to contact him as well regarding it and to close it since we are no longer together, but he was immature and refused to close it and open a new one for himself. The bank would not further help unless he calls in and closes it. I need help getting the account closed, because I do not consent to have my information apart of this account and do not have a card or any other connection with the person who wants the account kept open.
Consumer complaint received 2022-04-15
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. (AZ)

I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. Equifax, XXXX, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/XXXX portfolio recovery sent me a letter denying any inaccuracies that they are furnishing to the credit reporting agencies XX/XX/XXXX I sent them a letter pointing out the errors as blatant proof since they denied any inaccuracies XX/XX/XXXX portfolio recovery received my letter XX/XX/XXXX I received results from experian claiming they have updated this account. mind you absolutely no valid reporting fields were updated. false results XX/XX/XXXX I pulled my updated consumer reported with experian and XXXX XX/XX/XXXX and I saw that portfolio recovery recently reported to both agencies on the same day XX/XX/XXXX. they also reported two different 1st deliquecy dates maniupulating the federal time frame for his account to be removed. experian says on record until XX/XX/XXXX putting the date of 1st deliquency date XX/XX/XXXX and XXXX reports the date of first deliquency XX/XX/XXXX XXXX how can they report on the same day but with different information. there is only one date of first deliquency date. I also took upon myself to pull a trimerege consumer report with smart credit XX/XX/XXXX and noticed XXXX also let portfolio report XX/XX/XXXX and they have updated the date of last activity to XX/XX/XXXX also. wouldn't that be re-aging this account? I pointed out all the inaccuracies and inconsistencies that porfiolio recovery has done to my consumer report and I am tired of them not complying under laws. they are violating my right to privacy, they are bring unfair by doing improper proceedures to correct this account. I have already put them on notice and I want this account deleted.
Consumer complaint received 2017-09-05
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. (NY)

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - XXXX XXXX - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX 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 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.
Consumer complaint received 2017-09-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Dispute and request for debt validation was requested to Experian on XX/XX/XXXX for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XX/XX/XXXX- I called Experian to get the results and spoke to XXXX XXXX XXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. 

I filed a complaint with BBB ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). 
XXXX XXXX agreed to remove the collection ( attached ).
Consumer complaint received 2023-06-08
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. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

In response to the economic recession of XXXX, CitiBank increased my balance of {$10000.00} to {$30000.00}. 

Since then I have tried to speak to someone at Citi via written letters and phone calls to discuss and have gotten no response. 

This increase was not of my making but a result of the tax payer bailout. Since then I have been trying to pay this balance down. Even though I didnt create this balance. I can not keep bailing out Citi. I tried calling Citi again today and was bounced around customer service and the Rep left me on the call not responding and wouldn't give his name. 

This wrong needs to be made a right and pay me back this stealing and end this balance or I will contact the Consumer Financial Protection Bureau on Monday. 

Citi needs to provide you with the statements as it goes back years.
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I used Chase Bank XXXX to send {$300.00} to another XXXX account to pay XXXX " XXXX '' XXXX for a service. Today is XX/XX/2019 and I have not received the service. I can no longer get in touch with this individual and was defrauded into sending the money. Chase Bank has been unwilling to help with a refund or any support with this matter.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I do not owe any debt to Credit Collection Services and XXXX. I have XXXX whole time and I received collection letter from Credit Collection Services regarding debt to XXXX. This is a fraud. Someone and/or XXXX forgery my signature for application and contract. Forgery and fraud are felonies. I filed police report regarding fraud and forgery with XXXX XXXX, TX police
Consumer complaint received 2022-04-15
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I am having various ongoing issues with the Department of Education, my previous student loan provider was XXXX XXXX, then Navient and my new student loan provider Aidvantage. I have filed multiple complaints with the Department of Education and Navient regarding loans being listed on my account that does not belong to me as I had never ever attended these schools. The loans and schools listed are XXXX University which I received a settlement card and notice last year regarding fraud with this school and XXXX. Department of Education and Navient is refusing to remove and update these loans from my account accordingly. Aidvantage has taken over the loans from Navient as a result of their recent lawsuit. My other issue is that during the course of COVID-19 Navient & Aidvantage with regards to my student loans allowed my loans to accrue interest even though they were not supposed to during COVID-19 due to laws that were put in place as a result of this. During this time, I went from having a prior balance of {$180000.00} to now owing almost $ XXXX. I am a current student at XXXX XXXXy XXXX XXXX XXXX, and I have 3 classes remaining to complete my MBA degree according to the school I do have not enough money to finish as I have reached my aggregate limit despite having loans in that I accepted with the school in the amount of {$9100.00}. Every time I call or send an email no one responds, and I receive the runaround constantly to no avail. I have not worked for 25 months since COVID-19. I have no money to pay XXXX or the current balance that is listed on my account with XXXX that must be paid in full before I can even register for classes. The school is refusing to offer any type of assistance to me despite the fact that I have amazing grades and a 3.5 GPA. All the money they make off of students and they can not assist one student with any type of assistance? There is no money for us as students at the graduate level like it is for those at the XXXX level. My only recourse would be to file XXXX XXXX  XXXX XXXX which would wipe out all of my debts. XXXX told me to apply for the XXXX XXXX loan which is the only option I would have in order to complete my last 3 remaining classes however I have no income so therefore this is not an option either. If my student loan account is updated as it should be by removing the 2 schools that I did not attend, I would have more than enough money to finish my last 3 classes. I am only responsible for paying for the one class and then XXXX would be responsible for paying for my last 2 classes.