davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NC)

XXXX XXXX XXXX XXXX, XXXX has purchased a debt that does not belong to me from XXXX XXXX   XXXX XXXX.I have already notified XXXX XXXX XXXX XXXX that this account does not belong to me. In addition, I asked XXXX  to provide me with the original contract and full accounting for the amount claimed to be owed. However, XXXX informed me that the requested documents do not exist and that the account has been sold to XXXX XXXX XXXX.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.
Consumer complaint received 2019-07-13
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. (GA)

Hello I have reached out to you all about a car on my credit that is not mine. Equifax and XXXX said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal closed checking and savings account saying they did not like some deposits. However, will not release funds back to me. They are holding onto over {$4000.00}. They note that I must go into a branch 26 miles away to collect my funds. I do not have the means to travel 26 miles each, nor spend the 3 hours round trip it would take to do it. I am happy to provide any ID verification requested online and would like my funds transferred to me via ACH or to the address on file.
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Over 3 years ago I applied for the PSLF program. I filled out all the paperwork and my employer signed verification forms. I was told I qualified and my loans then had to be transferred over to Fed Loan Servicing from XXXX. I didnt think there was anything wrong, as every time I called customer service, they verified my loans were on the PSLF.  Each year I would have to fill out the paperwork and as I made more each year, my payments kept going up. About 3 months ago, on a random customer service phone call, I find out my loans were never put on the PSLF program and they lied and said they never had my paperwork when I applied over 3 years ago. I was told by numerous customer service people that I would need to reapply and have my employer verify my employment and they could back track all the years I qualified. I recently got approved and my current employer of 3 years has qualified and they are telling me only 1 payment has qualified so far. I have had so many past issues with this company and now this. I was told there was no one I could file a complaint with. Im writing this now as I just read the news how the teachers are suing this company for misleading information and many issues I have been through. I would really like to take action against this company, as this is wrong to be untruthful and unlawful to its customers.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a security freeze in place with TransUnion. There was a 'temporary lift ' placed on my credit freeze that I had never authorized. I'm a victim of Identity Theft and a person was able to apply for a credit card with my information as a result of this temporary lift. Every time I try to remove the lift online, I'm told I have to call them. When I call them, they deny there is a lift on my credit freeze, however, I insist there is a lift because the information on my online account shows there's a temporary lift and an identify thief was able to submit applications for a credit card. 

After speaking to several TransUnion reps, they keep insisting there is not a temporary lift.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

EXPERION has no way to contact a person ; I have spent 3 hours trying to contact someone to find out if a death notice has been placed on my deceased husband 's credit file, but none of the numerous numbers I have tried have yielded a way to talk to an actual person, and none of the automated system 's choices apply.

If a company is sucking up information on consumers without our permission and making money selling it to others, the least they can do is provide a way to contact a live person to discuss issues.

XXXX  and XXXX  make it difficult to talk to a person, but with persistence you can accomplish that end. Not EXPERION. This is just wrong.

I'm quite sure no one cares, but it makes me feel better filling out this form. 

XXXX XXXX
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AK)

this is XXXX XXXX having issues with a old wells fargo account, currently closed my checking account was supposed to recieve deposit and subtract bills from account, but overdrafted cause mismanaged by bank as i can not control these now wells fargo state going to process lawsuit wells fargo threaten to slaunder my credit, name, and block all financials so i can not have any, because overdraft occured within bank account the deposit came after bills this was supposed to be deposit then billing same day but overdrafted.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consu mer credit plan as late for any prFost
Consumer complaint received 2022-08-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: World Acceptance Corporation (LA)

World Finance have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for XXXX.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-13
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. (SC)

There is an account on my Transunion credit report with at least 7 errors that I have been disputing since XX/XX/XXXX. Transunion sent me a letter on XX/XX/XXXX stating that the account was updated however there were no changes made to the account entry. I have sent them all of the necessary proof of the errors and nothing has been done. There are several FCRA violations and the credit bureaus have failed to delete this account.
Consumer complaint received 2022-07-20
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. (IL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979
Consumer complaint received 2019-07-13
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. (CA)

FOR MONTHS I HAVE BEEN SUBMITTING DOCUMENTS TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. PLEASE NOTE THAT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MAILED THEM MY POLICE REPORT. AT THIS POINT I CAN ONLY IMAGINE THAT EQUIFAX IS DOING THIS ON PURPOSE, OR THEY ARE THE ONE WHO SOLD MY INFORMATION TO THE FRAUDULENT PERSON. BECAUSE THE SAME ACCOUNT WAS DELETED FROM XXXX AND XXXX XXXX 3 MONTHS AGO. 

I STRONGLY BELIEVE EQUIFAX SOLD MY INFORMATION THATS WHY THEY ARE NOT REMOVING THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

I BELIEVE XXXX XXXX AND EQUIFAX ARE DOING THE FRAUD TOGETHER, THEY ARE THE ONES WHO SOLD MY INFORMATION.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (CA)

The original complaint was filed back in XXXX number XXXX with the text messages to me and my relatives. 

Recently, I have been emailing them and even called them because they have on my credit report via credit karma this account was opened XX/XX/XXXX which is not true! I have asked them verbally on a call in XX/XX/XXXX, multiple disputes via XXXX XXXX, emails as well as not only will no one correct this but they also will not provide me with the contract I dinged when I applied proving the card open date which is around XXXX. XX/XX/XXXX. 

Today, I get in the mail a 10 page, front and back package of statements which i did not ask for and proves nothing since it has nothing to do with my request. 

With the multiple emails I have sent, they have responded to one simply saying the debt is valid which again does not answer my questions. 

First it was the harassing text messages to my phone, my cousin, my uncle and my ex husband in XXXX and not this! 

Please see all supporting attachments.
Consumer complaint received 2022-04-28
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. (WI)

In accordance to the fair credit reporting act, Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NV)

On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : XXXX XXXX - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {$1000.00}. I moved from XXXX, XXXX to XXXX XXXX, XXXX  in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX  deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXXPhoenix Financial Servic XXXX XXXX XXXX of XXXX - **opened on XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
Consumer complaint received 2018-09-02
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. (FL)

This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company (TX)

XXXX from XX/XX/XXXX on one patient and XX/XX/XXXX on the other patient. Two XXXX bills and one XXXX XXXX bill sent to collections without written notification or any notification for that matter. We have been making monthly payments on all three accounts and all of a sudden they were sent to collections without notice. The monthly payments varied when my husband lost his job but payments are still being made consistently. No notice was sent to put on a payment plan to pay the bills down to avoid collections. Phone calls have been made numerous times and messages left with XXXX XXXX XXXX XXXX with no return calls. No one ever answers the phone in their billing department. XXXX. A message was sent online recently and still awaiting a response on that as well. Two of the accounts are with XXXX XXXX XXXX and one is with XXXX XXXX XXXX XXXX. They are all out of XXXX XXXX XXXX XXXX. I did speak with XXXX XXXX XXXX this morning and they are looking into the account. XXXX XXXX XXXX XXXX is my biggest complaint
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have a credit card through synchronicity Bank. The credit limit is {$2500.00}. 
Since opening the card I have made several payments. XX/XX/XXXX tuna {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$500.00}. The last payment of {$500.00} made on XX/XX/XXXX was taken out of my bank account on XX/XX/XXXX. Today is XX/XX/XXXX and the credit has not been posted to my available credit. I was told a hold was placed on my account and will be in place for another 3 days. This card offers a 2 % cashback reward. I believe that I am being discriminated for my ability to pay my card and earn reward credits.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I noticed a collection on my account in XX/XX/2019 that shows as opened XX/XX/2019. This collection agency is Helvey and Associates, on behalf of XXXX XXXX. The date shown that the collection was opened shows XX/XX/2019. I do not have an account with XXXX XXXX and have not for 10 years. 

I have contacted Helvey and Associates by mail twice asking for proof of this debt and have not received a response. I have not received one collection notice or contact from XXXX XXXX nor Helvey and Associates. This debt is not mine.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

We owe more than 20 % on equity and we formally request to pay our own escrow. And we normally don't need to pay for mortgage insurance but this mortgage company still collect mortgage insurance from us. Our annual state taxes has been payed directly to the state of Maryland and hazard insurance witch is part of the escrow has been payed as well directly to the insurance company. But the mortgage company still send the bill with all these to be paid to them. 
Secondly, we don't get any explanation when the mortgage company decide to raise our monthly bill. From 2016 our bill was {$980.00} and nowadays we are paying {$1000.00} with no explanation. 
Thirdly, our monthly statement does not include the amount of money that we previously paid. The statement don't give us a escrow breakdown. 
We need this breakdown for us to calculate how much money goes to our principal.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C. (TX)

Altitude Law, XXXX XXXX constant harassment regarding alleged debt not owned. XXXX XXXX represents XXXX XXXX XXXX which has failed to provide proof of payment Misc Expenses on behalf of XXXX XXXX. XXXX XXXX XXXX is billing for XXXX XXXX reserve with no account for the reserve account.
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

1. Representative did not verify with me the information they have on file.

2. They refused to tell me WHO they were calling 3. Told me they would not look anything up until I have them my social security.

4. When I refused their fact-finding tone turned to abrasive ness 5. I told them that if they didnt verify what they were calling about I would consider their calls fraudulent.

6. Call from XXXX & XXXX ( XXXX XXXX FL area code where I have family ) Credence Resource Management 7. Its a call center in XXXX