davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (CT)

Have received repeated calls from the number XXXX between XX/XX/XXXX and XX/XX/XXXX, often multiple days in a row, supposedly from XXXX XXXX of Diversified Adjustment Service. One time a message was left after a 4 second pause of silence, leading me to believe a robocall was used. I am unaware of any debt that would be in my name, and my number is my work cell phone that to my knowledge is unlisted. Full text of the voicemail included below. 

" This is XXXX XXXX calling from Diversified Adjustment Service. Please contact me at XXXX ''
Consumer complaint received 2022-04-14
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-07-18
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. (AZ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2017-08-29
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. (CA)

THIS ACCOUNT FROM MACYS ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXXOF XX/XX/XXXXTO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-05-14
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. (NY)

On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I feel like I'm on a hamster wheel going in circles with this issue
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I have tried to contact EdFinancial Every day for the week of XX/XX/XXXX through XX/XX/2023. They continue to say they will call me back and save my number in line. I have yet to receive a call back in five days. Second, I had submitted twice now, loan deferment papers because I am a full-time student. Both times when I go into the system it says my papers are not in there even though they have given me confirmation of submission when I submitted. XXXX, XXXX XXXX  does not start till XX/XX/XXXX yet they are trying to charge me a payment on XX/XX/XXXX.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NY)

I applied for the XXXX  Program directly on the XXXX website on XX/XX/23. Per the XXXX website, my application was reviewed and processed on XX/XX/23. No information abut my XXXX application was communicated to me by Edfinancial. 

On XXXX, I began receiving statement notices about my payments that are set to begin on XX/XX/23, which clearly do not reflect an income-based total. I have called Edfinancial EVERY workday since XX/XX/23 and still have not been able to speak to anyone to get even some clarification about my payment. The wait times have ranged anywhere from XXXX minutes. The longest I have remained on the line has been over XXXX hours, which is unacceptable since in order to be able to repay, most of us have to work during the weekday. I've used the recall option twice, and an Edfinancial representative has never been able to call me back on the same day ( usually XXXX hours or more later ). Both times, the person hung up before I answered ( the last time it didn't ring more than once ). 

As I write this, I have been on hold for over XXXX hours. 

The lack of communication, horrible customer service, and long wait times is infuriating. This is completely unorganized, irresponsible, frustrating, and incompetent. I completely lack trust in this company. If Edfinancial could not prepare themselves well enough to begin borrower 's repayment, then we should not be expected to pay them until they get themselves together.
Consumer complaint received 2015-12-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
Consumer complaint received 2022-07-06
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: I.C. System, Inc. (CA)

I was never notified of this alleged debt, this collection agency I C SYSTEM INC Original Creditor XXXX XXXX XXXX Date Opened XX/XX/2021 is illegally reporting an unsubstantiated debt and never provided proper notice before reporting
Consumer complaint received 2018-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
Consumer complaint received 2017-04-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

On XXXX XXXX, 2017 Ditech Financial LLC received ( via certified mail ) a request from me regarding payouts that had been made from my account : # XXXX. It has been 38 days and they have not provided me with the information. They refuse to call me even though they assured me via email that they would.
Consumer complaint received 2017-04-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.
Consumer complaint received 2022-04-14
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 asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX. I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.
Consumer complaint received 2022-03-11
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (AL)

Was not aware of the XXXX XXXX that was placed on my credit report. 
XXXX XXXX {$410.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$840.00}
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (LA)

On multiple occasions Regions Bank has allowed transactions to be authorized and post to our joint accounts despite being opted out of any form of overdraft coverage offered since opening my accounts. On the most recent occasion 2 fees were charged and were reversed only after complaining to the local branch. The employee confirmed that we were opted out of both forms of coverage that is offered, standard overdraft coverage and overdraft protection is how they are listed on the website, but said that we had not opted out of coverage for recurring charges. No where on their website, nor at any point when I have called or gone into a branch to speak to someone about this issue have I been told that there is some mysterious 3rd overdraft protection for recurring charges. I checked my online banking just to make absolutely sure that I was opted out of everything. After speaking with an employee on XX/XX/XXXX we were told that she opted us out of this recurring charge coverage. On XX/XX/XXXX, I received a confirmation email for opting out of standard overdraft coverage, something I can confirm I was already opted out of, but was told by the bank that it was something different. 
This also occurred on XX/XX/XXXX for an amount of {$2.00} which was then charged a {$36.00} fee. I have changed debit cards to make sure no recurring charges I did not authorize were allowed to continue but that did not help. After receiving this email about the standard coverage Im inclined to believe the employee made up this 3rd coverage she claimed exists as a way to excuse what was happening on my account. Regions has had to refund me before in XXXX because of this same issue and at that time I had assurances from an employee that I was opted out of everything, yet they still let it continue.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a dispute with Transunion concerning XXXX accounts on my credit report that I am not responsible for. I submitted this dispute on XX/XX/2017 ( accounts are with XXXX XXXX and XXXX ). I received a letter from Transunion dated for XX/XX/2017 stating that the agencies verified the accounts and they are accurate. I find it extremely hard to believe that they could complete the investigation within two days, especially, when it the businesses have 30-45 days to verify. I have spoken to XXXX XXXX personally and they stated that they do not have the account in question and attempted to transfer me to a collection agency ( whom I was never able to get in contact with ). On the report it states that the account was purchased by another lender, however, that lender is not listed on my credit report. I would like these accounts to be removed off my credit report as they are hindering me from moving ahead in life and purchasing my first house. Thank you for all you assistance.
Consumer complaint received 2022-04-14
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. (TN)

This is a re-submission of a complaint I made over 30 days to TransUnion via this complaint process ( XXXX ). TransUnion has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate TransUnion to correct the problem. 

Since XX/XX/XXXX, I have written three certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the CPW account on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect date of last activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.
Consumer complaint received 2020-12-21
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. (NC)

THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Hi I 've been having an error address in my credit report history for years now. It links my name with a XXXX State address at XXXX XXXX, I have never lived in that state, I have reside at XXXX, XXXX for all my life. I have made a police report on this matter years ago but nothing has been resolved. I have put my social security on a three months fraud alert every now and then. This address have had Fraudulent phone account and cable satteliite on my name before which i had disputed. I 've been wanting to fix this problem but i have hit brick walls with this issue, what else or whom can i speak to. Please someone help me i would like to build my credit score for future house owner but i am scare if someone will keep using my info for fraudulent activities. ME MYSELF CANT EVEN QUALIFY FOR ANYTHING LIKE MAGAZINES SUBSCRIBING OR CREDIT CARDS BECAUSE OF MY SOCIAL SECURITY ALERT THAT I HAD TO MAKE FOR FUTURE FRAUDS.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (PA)

Im filing this complaint against AMEX Blue Catd. For the past two days, I have been dealing with Amex customer service folk on a very unfortunate issue. Back in XXXX, I was a few days late with my payment. A month later, my intrest rate was reset to 29,9 %. I was shocked, saddened and angered after speaking to Amex staff about this matter. They recognized my excellent payment history and over 50 plus year relationship with them. Amex never notified me of this ridiculous interest rate change and seem very sheepish in wanting to address it in a constructive manner. I made it very clear on the phone with Amex that my XXXX bill statement was paid but you still went ahead reset my intrest rate. I find this to be absolutely criminal as we come through a global pandemic.
Consumer complaint received 2017-08-29
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. (AZ)

I pulled up my credit report from all three credit bureaus, XXXX, XXXX and Trans-union, and noticed there was a listing of Chapter XXXX Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the XXXX Bankruptcy Court. 

I wrote a letter to the Arizona Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX toXX/XX/XXXX to XXXX, XXXX and Trans-union on the bankruptcy and they all responded back by saying the information was verified.