davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (VA)

All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

XXXX has not investigated XXXX XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

XXXX has not removed the bankruptcy from XXXX XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 

All three credit bureaus has refused to conduct any investigation from XXXX to XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted. 

All three credit bureaus has refused to conduct investigation from XXXX to XXXX under the fcra I am XXXX  XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XXXX XXXX
Consumer complaint received 2019-04-04
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: TRANSWORLD SYSTEMS INC (MD)

I HAD ALREDY DISPUTED A REPORTED ACCOUNT ON MY REPORT TO THE COMPANY CONCERNED YET IT IS BEEN SHOWN ON MY CREDIT REPORT.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

My student loans are serviced by ED FINANCIAL. The total amounts of the loans was a total of {$100000.00} as of XX/XX/XXXX. They were broken down into XXXX accounts. They are loans for a XXXX degree and a XXXX XXXX. The loans are in deferment due to the COVID 19 pandemic. 
On or about XX/XX/XXXX, I received notifications from XXXX, XXXX and XXXX that the accounts serviced by ED FINANCAIL had been closed and " paid off. '' As a result, my credit scored decreased by more than XXXX points. I obvuiulsy did not pay these loans. I have not made any payment since early XXXX before the XXXX XXXX pandemic began. I did not receive any notification of a payoff and closing of my account from the XXXX major credit reporting agencies. 
I can not view my account on my online ED FINANCIAL account page as there are no balances or payment history. This also happened recently.

On the ED FINANCIAL website, it states that some borrowers will have their loans serviced by another processer and/or platform. I have not receivedm
any email regarding the above actions by ED FINANCIAL.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2018-08-31
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. (IN)

I have contacted XXXX XXXX as well as the credit reporting agency on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses.. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even not even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the account from my credit report immediately/ INDEFINITELY and requesting that they cease and desist all collection efforts INDEFINITELY.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

These debts have already been paid and are showing under collections : XX/XX/XXXX {$390.00} XX/XX/XXXX {$970.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$1000.00}
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX I XXXX Date opened XX/XX/2022 Balance {$220.00}
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP (WA)

When applying for this auto loan I applied for a commercial auto loan for my business. I was told that US Bank needed me to be guarantor on the loan since I am an owner of the business. I agreed because I do all my banking and have another auto loan with them. When my first payment came due I was unable to make the payment because the US Bank advised me the loan was entered under the wrong EIN number, the dealership never actually ran my business credit and instead pulled the UBI number from the state website. The UBI number was never provided by myself or authorized to be used. I provided the dealership with the correct EIN on multiple occasions under the impression that I would get a good rate because of strong business credit. This loan not only had the completely wrong and unauthorized number used to gain bank approval, I never received any documentation via USPS because the dealership also entered the wrong address. I am 4 days past the payment date, I have called approximately 30 times from XX/XX/XXXX-XX/XX/XXXX and never received a resolution. I requested the dealership send the US Bank representatives phone number and they refused. I was told the rate doesn't matter and won't change based on credit. This of course is inaccurate and not true. I spent 3 hours at the dealership on XX/XX/XXXX and received no answers or resolutions. I have requested the loan be terminated and I will purchase a car elsewhere. This request has not been satisfied.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$12000.00} XXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tesla, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, TESLA FINANCE LLC Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-07-25
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. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the XXXX of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (RI)

Fortiva XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been sending me collections notices. The collection has been reported as charged off.I do not know this company. 
I have never done any business with this company. This company does not a contract with my signature
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2018 I made a payment using a Capital One credit card to Patient Pay Services. This payment was for medical services rendered, but not yet billed to my insurance company. The total charge was {$1200.00}, but {$600.00} was paid using this capital one credit card. Shortly after I received confirmation the balance was paid in full, and given a Claim Recap from my insurance provider, stating that of the {$1200.00} billed, only {$33.00} would be my responsibility. After attempting for 2 months to procure a refund from Patient Pay services, I engaged the dispute team at Capital One. I submitted a formal request on XX/XX/2018 to request reimbursement. Initially, Capital One received my documentation, ignored it, and closed my case. After being notified of this, I contacted them and had the case reopened. After speaking with an agent in XX/XX/XXXX, I was informed one of my documents was incorrect. While speaking with the agent I uploaded the correct document. OnXX/XX/XXXX, I was notified with 2 letters using differing verbiage that my case was once again closed. When I spoke to an agent I received an apology and was told my case was open and being reviewed. Today, XX/XX/XXXX, I once again called and was told that my documentation, which clearly shows my benefits covering this charge, is not enough, and I must now procure additional documents to satisfy Supervisor XXXX, ID # XXXX, because she can not understand how to read a Claim Recap.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I DISPUTED A ORDER IN XXXX WITH AN AMP AND SPEAKER BOX THAT I ORDERED AND NEVER RECEIVED. I FILED A POLICE REPORT FOR STOLEN PROPERTY EVEN THOUGH I CAN NOT PROVE THEY DELIVERED IT TO MY ADDRESS AND IF IT WAS I NEVER SEEN IT AND COMPANY THRU XXXX TOLD ME TO FILE A DISPUTE WITH MY CREDIT CARD FOR GOODS NOT RECEIVED AND NOW CAPITAL ONE HAS CHARGED THE XXXX BACK TO MY CARD. I DID NOT RECEIVE THIS ITEM, HAVE PROOF COMPANY TOLD ME TO FILE GOODS NOT RECEIVED AND FILED A POLICE REPORT. I HAVE HAD NOTHING BUT CONSTANT ISSUES WITH DISPUTES WITH THIS COMPANY
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (PA)

On XXXX, a potential employer asked to do a background check on me. I had nothing to hide so I approved it. It came back and showed information about potential criminal activity in another state that I have never visited or lived in. The company that did the background check was Sterling Talent Solutions. I spoke with them and they couldn't answer any questions for me. I spoke to XXXX and said my account is temporarily suspended and will be closed permanently on XX/XX/XXXX because of this. Now I was never in Arizona. I don't know what this means. And now XXXX is preventing me from getting jobs because of something I DID NOT do. The information they have is INCORRECT! I don't know what to do. I need to clear my name!
Consumer complaint received 2019-04-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a Capital1 XXXX XXXX XXXX in XX/XX/XXXX and met the stated terms and conditions to receive a {$500.00} welcome bonus ( via promo code XXXX ). However, despite telling me on XX/XX/XXXX via a recorded chat ( that they confirmed having ) that I had met the terms and would receive the bonus within 60 days, they have denied me the bonus, citing that though I did meet the terms of the deal, I did not meet their intentions and they would not be paying the bonus. 

I cycled deposits from external accounts to exceed the {$50000.00} deposit amount required to meet the conditions of the bonus XXXX terms copied here from their email advertisement on XXXX " Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. '' Capital 1 is informing me that I had to have a balance of greater than {$50000.00} in the account at XXXX point. But the terms say " deposit at least '' and not " a balance of at least. '' One agent informed me that the terms were muddied and that there is technically no reason why what I did would not have qualified me for the offer, but that they were not going to pay it out because their legal and risk team had reviewed it and told them not to pay it. 

I feel taken advantage of by a big company with a legal team that is openly stating that I met the terms and conditions, but not their intentions, and that therefore they would not stand behind their terms and conditions. Additionally, they verified that a chat agent told me I would receive the bonus ( at a time when I still had 20 more days to do something different to meet the terms if they told me at that point I had not met them ). 

I have written documentation via email, time stamps for phone conversations, and other documents for all of this even confirmed via Capital 1, but they will not honor their terms and conditions. 

Phone Conversations were initiated on XX/XX/XXXX at approx XXXX -- ET, with specific remarks in question between XXXX ET and my final conversation with a representative named XXXX on XX/XX/XXXX at approx XXXX -- ET. 

My reference ID for this case via XXXX is : XXXX A similar, but less detailed complaint also will be submitted on behalf of my spouse. Because of issues with my account, we have not tried as much to get it paid, but have been denied it still.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 XXXX XXXX, NY XXXX, XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Balance : {$46000.00} If you feel there is a possibility this account 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 so this matter can be handled swiftly.
Consumer complaint received 2023-10-09
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

this Wells Fargo account did a charge off and its on my credit which is wrong not my account my daughter had account there too I paid mine in full off they try to make her account mine she is in bankruptcy XXXX not me and they tied my and my husband name to that account which is wrong I sent them I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I have been charged a {$40.00} fee every month and when inquired with the company the provide no answer or explanation. I have gotten it was for a late payment in XXXX of 2020. If that is the case it would be paid the first month and then gone off our statement. I have spoken to many employees to no avail. And now they have not returned our calls. I just submitted a written inquiry in regards to it as well. We have now paid 11 months of fees with no explanation of said fees
Consumer complaint received 2023-07-25
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. (AZ)

I sent a FTC packet including the following items Cover Letter, FTC Report, Police Report, ID and SSN Card the company said they can not use this in their investigation to block information off my consumer report but under Federal Law all Consumer Reporting agencies must block/Remove any information deemed fraud by the consumer within 4 business days after receiving their Identity Theft Packet
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America decided to close my account but keeps changing the closing day from XX/XX/2019 all the way to the date of this letter. I have bills to pay and ca not get my balance so I can get back to my normal life. When called they said that was the way they worked and I had to wait. I do not mind waiting but there has to be a date by which I should get my funds. They lie to me every time I speak to them by changing the date.