davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

I do not have an account with Community Loan Servicing. The account information listed on XXXX is inaccurate. I did not open an account with Community loan Servicing in XXXX  as indicated on my experian credit report. I would like legal documentation of what is being reported.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

I've been banking with XXXX Bank for about 4 years now. I've been a small business XXXX  for about 20 years and due to Covid-19 my business has suffered. I decided to apply for a PPP loan and was approved and funds deposited into my account on XX/XX/XXXX. The deposit was in the amount of {$14000.00}. On Tuesday, XX/XX/XXXX, I checked the balance of my account and discovered that XXXX Bank had put a hold on my deposit. I contacted the bank to ask what the problem was and was given a ridiculous excuse that because the funds was deposited into an account that was not a business account, I had to provide documentation that I'm entitled to the deposit. I provided the bank with a copy of my XXXX Schedule C-tax return, a copy of my EIN number that I had faxed from the IRS, and a notarized copy of the loan application and signed documents for the loan. I submitted the documents on XX/XX/XXXX at XXXX CST. I contacted the bank 3 different times today only to be stonewalled and told that my documents are being reviewed, my business has to be verified with the XXXX of XXXX, someone will give me a call back. Excuse after excuse is what I've been given. I reviewed the bank 's policy when it comes to ACH deposits and no where does it state that deposits can be withheld from the customer without proof of wrongdoing. My account right now shows a balance of XXXX. Please help me.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NC)

XXXX Credit Card ... someone called my phone claiming to be associated with the XXXX Credit Card Service ... they called from XXXX and advised me that a charge of over {$700.00} had appeared on my card and advised me to select 1 if this was not a correct charge to the card or select 2 if there wasn't a problem ... i selected 1, was transferred to a strange person 's voice ( sounded female ) and then when i started to discuss the reason for the call, the person hung up on me ... i checked my XXXX account and it does not appear that any such charge has transpired ... no idea if this is some type of phishing or some other scam ... just seemed wrong
Consumer complaint received 2018-07-10
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. (OH)

I reached out to Equifax to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. Fraudulent activity had taken place on my report. I place a fraud alert because of this. The following inquiries on my account do not belong to me. 

XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I also have a company reporting on my credit report but it does not belong to me. 

XXXX XXXX from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (NV)

I called experience in regards to XXXX points been taken off of my credit report I explain to them that the creditors did not let me know that I owed anything and I asked them if Ive paid them already I can show proof will they put the XXXX points back onto my credit I was told yes and I also asked if I could file a complaint five hours later they took XXXX points off of my credit I have receipts showing that Ive paid off what they say the reason why they took XXXX points off of my credit was because of the credit card bills which were paid off along time ago delinquent accounts I believe that I am being discriminated on
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (MA)

I was approved through this brokerage for an FHA loan ; for XXXX XXXX XXXX . XXXX  XXXX XXXX NC, XXXX Due Diligence was paid, mortgage appraisal was paid, inspection paid, my fianc and I moved from opposite ends of the XXXX XXXX, in multiple Uhauls to attend a closing date XX/XX/2021. 
On the day of closing, ( 3 ) hours after my appointment with the lawyer ; it was communicated to me that I was being denied closure on my loan because my commuting distance & { dwelling of primary residence was more than 100 miles apart } This has left me homeless, living in my vehicle, all of the money invested non refundable, and my belongings in a storage unit. 
Im in XXXX, Im fully vested with XXXX ; and in its very nature can have me based anywhere in the country at any given time. I have never had an issue commuting to work in the ( 6 ) years Ive been flying. 
Are there exemptions protected under the Transportation and Railway Employee Act? It seems a bit discriminatory to not have something in place for those who work for solid companies but cant control the logistics of their profession. Any help or guidance you could provide would be great.
Consumer complaint received 2022-04-08
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. (AL)

I have submitted this information multiple times. Transunion had removed this item after reviewing the supporting documentation. The item has reappeared on my credit report. Transunion is the only credit bureau that continued to put this item on my report. This bankruptcy should be deleted immediately. I have attached a letter from my attorney and XXXX
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (SC)

The issue is related to Best buy Citi credit card. I got a best a best buy credit card with 36 months of promotional XXXX. Most of the credit card statements will reflect A. Minimum payment due B. Statement balance C. Outstanding balance. This company always confused statement balance and outstanding balance. So I was always left with the choice of either paying the outstanding balance or the minimum balance due, leading to them charging me interest. 

2. The company at the time of purchase told us that our purchase payment will be converted into 36 payments but now customer care says that it's 12 months.

3. Tried to reach out to the company two times but they have a very shrewd way of cheating the customers and making some money from the interests that they charge on poor customers.

4. The credit card companies have three payment options : minimum balance due, statement balance, and outstanding balance. They are not clear on this, you need to dig deep or do research to find out about the payments due to avoid interests. 

5. In case they have reported anything to my credit reporting company I want them to withdraw that.
Consumer complaint received 2022-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of transunion and XXXX inaccurate reporting. Below I have attached proof that transunion and XXXX are reporting inaccuracies across the board on serval student loan accounts. Transunion, XXXX, and XXXX is also reporting. Transunion and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and transunion must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Consumer complaint received 2022-01-22
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: Nelnet, Inc. (TX)

XXXX, XXXX, and nelnet is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and XXXX inaccurate reporting. Below I have attached proof that XXXX and XXXX are reporting inaccuracies across the board on serval student loan accounts. XXXX, XXXX, and Nelnet is also reporting. XXXX and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and Experian inaccurate reporting. Below I have attached proof that XXXX and Experian are reporting inaccuracies across the board on serval student loan accounts. XXXX, Experian, and XXXX is also reporting. XXXX and Experian are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The 2 credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and Experian and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (PA)

On XX/XX/2021 major financial was removed off of my equifax credit report by equifax. This same thing happened with XXXX they have since put it back on. I have spoken to major financial they said they did not tell anyone to remove so it was done so without my or there authorization.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (AL)

Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies Experian, XXXX, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-03-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (NJ)

I, consumer XXXX have tried numerous times to request that company Fedloan stop reporting late payments to my consumer reports without my consent.

The company Fedloan is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the company Fedloan the written instructions to furnish this on my consumer reports.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Fedloan and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below.

Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC (CA)

Last payment to original debtor, XXXX, was on XX/XX/XXXX. Debt was sold to another company, UHG I LLC at unknown time. UHG I LLC has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line 4 on page 8 of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : //www.consumer.ftc.gov/articles/debt-collection-faqs # debts.
Consumer complaint received 2022-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, Transunion, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (VA)

I checked my Credit Report and saw a collections for {$580.00} from Credit Management LP. It states the Original Creditor is XXXX XXXX. That the account was opened XXXX 2022. I have no idea who XXXX XXXX is. I have looked them up online and I do not know who they are. I have not recieved any communication from either company.
Consumer complaint received 2022-04-08
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A continuation of XXXX, Capital ONE calls/emails me everyday in attempt to collect on an amount that I do not owe. They have yet to retract the fees and interest accumulating on this account. The last and final payment on the card was paid via my XXXX credit account on XX/XX/XXXX in the amount of {$200.00}. I will submit a complaint from now on for everyday that they attempt to collect on something I do not owe.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Esser, James & Associates (AL)

Stated that my mother is in some sort of legal trouble. Stated they know she is XXXX XXXX XXXX and they know her last XXXX digits of social security number. Stated I could make all this " go away ''. No details on what exactly is problem ... Feel like they are trying to extort money from me, although issue is n't even with me. I told them to quit making harassing calls and send any complaint to my mother via XXXX mail. They stated they do n't work that way.