davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IL)

I tried to contact AidVantage on XX/XX/2022 at XXXX. After being on hold for about 10 minutes a representative had my call come through their queue ( I know this because the line rang and then I was put on hold - I work in a XXXX XXXX  and am very well aware of how this works. ) I was then on hold for 20 minutes before the line was disconnected and the survey came through. I knew to hold as, again, I have experience with the policies of a XXXX XXXX. I left the rep all 1s for their rating ( and surely messed up their metrics in the process ) but couldn't get a hold of the company to express these concerns. As this was the first time I was trying to contact my new aid manager, AidVantage certainly fell very short of my expectations. I will be removing loans from them one at a time, as I can, as quickly as I can, to ensure they get as little interest as possible. Their reps are a reflection of the company and so far, it's fallen quite short of expectations.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (FL)

The incident happened today XX/XX/2021. I tried to file a dispute with XXXX and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to XXXX was about AES : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
AES is not providing correct information to credit reporting agencies and is messing up my credit score. XXXX did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.
Consumer complaint received 2024-03-04
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Hi there, I had a home equity line of credit with Wells Fargo and had set up an auto pay from my checking account since beginning. I had never missed a payment ( please see my checking account statement ). In XX/XX/2020 there was a payment suspension in my account that I never requested for. And I requested to opt out on XX/XX/2020 ( please see the letters ). Additionally, I did not miss any payment during this period. Wells Fargo charged me another payment that includes a {$830.00} deferred principal, {$280.00} interest, and a {$200.00} deferred interest when I pay off my account ( please see the closing statement ). I had contacted XXXX XXXX in XXXX XXXX XXXX XXXX, but my issues had never been solved. Please help me get my money back.Thank you in advance.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-04-20
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. (TX)

I do not require for my credit report to be locked. It is the responsibility of Experian to validate this debt based on original documention that you are required to keep on file per Federal Law to present to the alleged debtor ( s ) upon request. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is the consumers and is correct. In the results of your first investigation, Experian stated in writing that you verified that items XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX are being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my ss card, state ID and the name and acct nbr several times to Experian which is continuing to break the very federal law that was implemented by Congress for this very predatory business practice! Now additional information is being requested from me while the responsibility of the Credit Bureau to validate this debt ( s ) BEFORE unlawfully reporting it by Federal Law is being ignored.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent multiple disputes letters via certified mail asking for validation of debt. I know my rights and the law for consumers and a statement of charges and/or a balance due on a letter head is not sufficient validation of debt. Please provided validation or delete asap.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Apple goldman sachs froze my savings account and my apple credit card w out any explanation as to why or for how long this will be for reading online this is a common complaint causing difficulty to pay my bulls without access to my funds they have not provided me a process as to file a complAint
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One failed to provide me documentary evidence requested ( 15 U.S. Code 44 ) and 15 U.S Code 1666b ( 2 ) regarding a billing error dispute. They were sent a billing error dispute on XX/XX/2023. They did not respond with requested info. I sent them another letter regarding a intent to arbitrate letter and they did not comply with my request.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (NV)

On XX/XX/2019 I received an alert from XXXX that I had a collection on my report. The collection was added by a company called Trident Asset Management. I called the company and they stated that they could not find me by my name. I looked into the debt on the XXXX credit report and noticed they stated it was for {$40.00} and that the original creditor is XXXX, XXXX. I am a current customer of XXXX, so I knew this can not be correct. I called XXXX and they stated that since all of their products are pre-paid, they do not send people to collections and that this is most likely fraudulent if it is being reported that way. I have never received any written communication from Trident and they would not provide me information when I called because my name " was not in their system '' - After some research online, I believe this is a scam. I've attached my complete order and payment history showing the payments were pre-paid.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Sir or XXXX, A solar company named XXXX XXXX XXXX with XXXX XXXX XXXX committed fraud and left us with incomplete systems that are inoperable or seriously under performing on what was promised and contracted. XXXX XXXX filed for XXXX in XXXX now XXXX XXXXXXXX XXXX was acquired by Fifth Third Bank on XXXX XX/XX/2023. The system contracted was supposed to be net XXXX for my property and receive credits from the electric company. My last electric bill was {$180.00}. Now we are stuck with systems with no warranty, no XXXX service, and monitoring. We all have loans exceeding $ XXXX and monthly electric bills that have not changed since installed. My electric bills for the last year are almost exact to what they were prior to having solar installed. XXXX XXXX still owes me four SMMS boxes, blow-in insulation for two attics, and compensation for an employee falling through my ceiling destroying my foyer and living room. We are now forced to keep paying a 20-30 year loan and monthly electric bill, file XXXX, or destroy our credit. It is currently effecting up to XXXX customers across 20 states. I filed complaints with the State AG, Congressmen, and Senators. 

XXXX continues to call and tell customers to have XXXX XXXX XXXX fix the system which is impossible. Solar companies do not want to touch these systems do to the XXXX, poor installation, and faulty equipment. We were told with the solar tax break we would receive XXXX rebate to put towards the loan. This was a absolute lie and now raised the monthly payment from {$290.00} to {$930.00}. XXXX stated they will not come and remove the faulty equipment from our properties. 


If you and the credit agencies could look into this, and prevent it from happening to great Americans in the future it would be appreciated. 

Thank you for your time. If you need any more information I can be reached at ( XXXX ) XXXX, or XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (GA)

I have had to change my number twice due to obsessive calls starting from 6 am to 10 pm at night. Multiple XXXX numbers and now numbers very similar to my own call all day. Theyve identified themselves as Hunter Warfield Inc. 
My name is XXXX XXXX.
Consumer complaint received 2023-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Terrill Outsourcing Group (MO)

Superlative RM has called me everyday for the past few weeks after I stated in my first letter to not contact me. I have asked for a validation of debt which is the original handwritten contract. They still have yet to even respond to my letters. The company still has tried calling me everyday. This is harassment. They have also threatened to sue me as well.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (IL)

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$390.00}
Consumer complaint received 2022-10-17
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. (MI)

XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my credit score. The company does not provide customers with an up to date credit score in the credit score section of the mobile app. Today is XX/XX/XXXX using the credit score tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my credit score to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called customer service back in XX/XX/XXXX when I got an email about an upcoming annual fee. I told the representative to cancel my credit card, I wasn't interested in paying the fee. The representative said the fee was for a secured credit card but since my credit card was no longer secure I would not be charged an annual fee. The next month the annual fee appeared on my statement and I called to cancel the card, the representative said they would cancel and that was it. I checked a few days later and was still able to access my account online so I called a third time to cancel my account, the representative said they would. Today I received an email telling me I missed my monthly payment so apparently my calls to close the account have been ignored. I have no balance, the only charge on this credit card is the annual fee and I called several times to cancel the card to no avail.
Consumer complaint received 2023-08-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (TX)

This is my XXXX 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (FL)

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 ; XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX 3**XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : 11 XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXXXXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXXXXXX ( Original Creditor:08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX ( Original Creditor : 06 XXXX ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : 11 XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXXXXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:09 XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (TN)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (TN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2023-06-08
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. (IL)

I have fraudulent inquiries on my credit report. I have tried to resolve the issues with the credit reporting agencies and they refuse to remove it. The fraudulent inquiries are with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX