davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VT)

Graduated in XXXX, company was originally called XXXX, now called navient helped me set up a payment plan that worked for me. I wasn't making a lot of money so I was paying on the lower end of most plans. I received a booklet to help me make my payments but I was never informed on my balance. Around XXXX I contacted the company to see if I was close to paying off my loan, come to find out I owed more than I did when I graduated! I of course felt like it was my fault, but now I realize they were taking advantage of my inexperience. I feel like this is something they should have notified me about. Its now XXXX and I have just under XXXX left, this has been such a weight on my career.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I have attempted to inform Ad Astra Recovery Services , Inc for over 5 years that the debt they are reporting on my credit reports doesn't belong to me. I have constantly disputed the problem with all three credit bureaus, paid companies to dispute the debt on my behalf, and contacted the company directly. I sent letters for validation to Ad Astra Recovery Services , Inc. and the company sent a response stating the  account was verified. However, the the debt letter they sent was addressed to XXXX XXXX, which is not me. On other forms the last name listed is not how my name is spelled, I did not live in Texas when the alleged debt was taken out, and the banking information listed is not mine and I've never had an account with the listed institution. No additional identifying information is provided to support that this debt belongs to me, including the lack of a telephone number. In addition to the issues I mentioned regarding the documentation Ad Astra Recovery Services , Inc provided indicating that the debt is not mine, there is no physical signature on the contract, which further confirms that the debt does not belong to me.
Consumer complaint received 2022-02-16
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 — Investigation took more than 30 days
Company: Onity Group Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers.

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-05-25
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. (MN)

I was the victim of identity theft. Someone in Florida took out a credit card in my name that shows up on my credit report. I have never lived in Florida and thought this was resolved with the financial bank in Florida but it is still showing up on my credit report. I don't know what I have to do to have it removed. Help!
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (TX)

2 DISPUTE LETTERS WERE SENT VIA CERTIFIED LETTERS TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY HAD 30 DAYS FROM THE RECEIPT OF THE LETTERS TO NOTATE THE ACCOUNTS AS QUESTION AS DISPUTED BY CONSUMER AS PER THE FCRA GUIDELINES. THE AGENCY FAILED TO MARK THE ACCOUNTS AS DISPUTED BY CONSUMER.
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

I have an ALLY FINANCIAL charge-off on my credit report that should have been covered by my GAP insurance. When I called they said that I was not covered for this debt because I had a late on the account. There is nothing at all in my contract that states my GAP coverage would not charge if there was a late on my account. I want this debt and account removed off of my credit report.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I applied for a Well Fargo credit card online and received application # XXXX via email. Immediately after filing this application, I received an XXXX XXXX informing me that Well Fargo did a hard pull on my credit file. However, on XX/XX/XXXX, I received a letter from Wells Fargo informing me that my application was denied due to " Identity can't be verified '' despite all the identity information provided by XXXX. They requested to call XXXX to provide identity information. I called Well Fargo on XX/XX/XXXX, and faxed copies of my Arizona XXXX ID card, utility bills, and bank statement showing the correct address and name on all of these documents. However, I received an email message on XX/XX/XXXX informing me the following : " After carefully reviewing your Wells Fargo Active Cash Visa card application, we can't provide you with a credit card at this time. ". 

Despite my excellent credit history, this company made a decision to deny me a credit card after damaging my credit report with hard pull and falsely claiming that my identity could not be verified despite all the information I've provided to them. This is unacceptable, I need full information on what they meant by their inability to verify my identity. What would a company need more that an ID card, utility bills, and credit report provided by the credit bureau??
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (UT)

21st mortgage has received a promissory note for payment. Company has also received a XXXX and a coupon paying of this loan. The company has refused to follow the laws pertaining to discharge under the indentured trustee act. This loan has been paid and refuses to update the account and keeps saying the payment isnt valid. 21st mortgage has violated 1693-1, ucc 3-603,18 usc 8, 12 usc 411, ucc 3-104 and 31 usc 3123. The company has engaged in fraud and has already been paid a minimum of twice for this loan. Company was paid immediately following the approved application of the loan through my ssn account and cqv account. Company refuses to acknowledge correspondence as valid.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I was gifted a {$50.00} XXXX  Gift Card ( XXXX ) purchased from XXXX on XX/XX/22. When I went to use the card, it was declined. I tried validating the card online and then calling when I kept getting the error message. I have called 3 different times to try to resolve the issue. The wait time has been 45-60 minutes and then I am just told to hang up and call the XXXX number for the automated system or in one instance I was hung up on. The XXXX number they are referring to is the number I am calling and it just connects me to a representative. I am not able to return the card to XXXX since it is a gift card. All this leads me to believe that this gift card is not legit.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-11-28
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)

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX , XXXX XXXX,
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (AL)

I received a phone called today from a representative for XXXX   XXXX concerning my past due credit cards. They left a message stating I will sued if I don't contact them by a certain time and that they will take any and legal actions against as possible. My credit card balances are not over {$500.00} and to be getting threatening messages stating they will be sue me ( which was left on my voicemail by some with a name of XXXX ) is just ridiculous
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$16.00}, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-28
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. (TX)

I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2018-11-28
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)

I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

I purchased 2 items and a membership fee on Amazon.com in 2019 using Chase-Amazon card that was offered as a promotion at the time of purchase. The items totaled {$64.00}. All subsequent purchases on this account were made via another Amazon card ( XXXX-Amazon ). I was unaware that I had two accounts and made consistent full payments on the latter. I received no card, nor any bills, nor any correspondence electronically or by mail from Chase in the intervening time. 

Recently, I received mail from a collection agency XXXX demanding {$310.00} for some outstanding bill. I have no outstanding bills but I understood it to be a dental bill for my daughter where there was some confusion with the Health insurance so I immediately paid what they asked. I then received, for the first time ever, a letter from Chase saying the matter has been resolved. When I contacted them to ask them what this letter referred to they told me it was in relation to the matter stated above. I explained to them that I did not have a Chase Card and never received any prior communications from them. They said the matter had been handed over to XXXX XXXX the collection agency. 

It was only after contacting Amazon that I discovered what happened. My problem here is that I never received any correspondence whatsoever from Chase saying that there was money owed. Surely, the credit card company has an obligation to make an attempt to contact me by phone, email, or letter prior to passing the matter to a collection agency. This all seems very wrong to me.
Consumer complaint received 2018-11-28
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. (OH)

XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Just received a new Alaska XXXX Credit card from Bank of America and have made many attempts to activate the card. Every transactions keeps getting denied. I called Bank of America multiple times and have spend numerous hours trying to resolved this issue. They claim its a security precaution to prevent fraud and asked me to verify all transactions, Ive done this multiple times and they still havent fixed the issue. I called again and was directed to go to Bank of America branch with two forms of ID to be verified. I spent over an hour at the branch and was told my card was ready to be used, it was again denied. I spent an hour trying to get ahold of someone via the customer service line only to be told I had to go back to the Bank of America branch. Im currently XXXX  to California as a member of the military and this is becoming a huge burden, Im getting charged an annual fee for a card I have been unable to use and no one knows how to resolve this issue. Bank of America has the worst customer service
Consumer complaint received 2023-03-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I sent the enclosed request for reinvestigation to Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX and TransUnion Legal Dept XXXX XXXX XXXX XXXX XXXX, IL XXXX via certified mail and they failed to notify me of the status of the investigation. The item of information in question XXXX XXXX was not removed from the report even though it was transferred. XXXX and XXXX have removed it from their reports. Transunion failed the requirements of 15 USC 1681i ( a ) ( 1 ) ( A ) in failing to conduct an investigation or notify me within 5 business days that they decided not to.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit report
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.