davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I cancelled my credit monitoring services with Experian this month. I have XXXX days left to reactivate them, and now I have a ding on my credit from an " overdue bill ''. My Experian report only is showing a newly delinquent gas bill from XXXX XXXX XXXX. The collections company listed is XXXX XXXX, which is self reported as a company that works closely with Experian. I have filed a dispute with Experian on this supposedly overdue amount. Although I can not see the full account number for the gas bill on this account, the first XXXX digits that are visible do not match any gas bills from my previously held accounts ( which were closed in 2020 ). I have not lived in XXXX in a year, which can be proven with last years tax returns, my drivers license, paystubs, etc. I also have not ever received a collections letter from XXXX or any associated company prior to this ping on my credit.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXXXXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXXXXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I purchased an item from XXXX in the amount of XXXX including expedited shipping. The purchase never arrived. I emailed company on XX/XX/XXXX and XX/XX/XXXX with no response. I then attempted to dispute the charge with Simple XXXX on XX/XX/XXXX. I have done everything humanly possible to get a credit from Simple ; emailed them multiple times with supporting documents, used XXXX and XXXX, and multiple calls have been a wait time of over two hours. According to their timeline, they have still not begun the investigation process despite their claims of good faith temporary credit. My problem is with this bank as I have had multiple problems including a 5 business day hold on the federal stimulus check amongst others. I have been attempting to get in touch with them in one way or another and they have not been to look at the problem despite their saying they contact you after they receive the dispute. Its been two weeks since I filled this dispute and a month of being without my money or item.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AR)

XXXX XXXX is trying to collect a debt in the amount of {$2000.00} which was added to my credit report on XX/XX/XXXX16. 

I have tried making contact with XXXX XXXX and each ( 3 ) credit bureau letting them know this debt does not belong to me. I still have not received original signed documents from either of the bureau nor XXXX XXXX the credit bureau are saying these items have been verified I will like to see the original signed documents stating how.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

Refund requested through Aidvantage per COVID update for payments made since XX/XX/XXXX on XXXX. At that time I was told 2-3 weeks to receive refund in my bank account via direct deposit. Called back XX/XX/XXXX to confirm everything was set and there were no delays because a friend mentioned they were told up to 10 weeks for processing. At that time I was told the timeframe is now 6-8 weeks until my balance would reflect the loans added back to overall balance on studentaid.gov a few more weeks until its updated in Aidvantage view and theyre unsure when Id receive a refund. The refund was requested because of the COVID update and financial crisis. I can not wait with no confirmed true turn around time and get a different answer every time I call. Theyre also not willing to share any sort of documentation or post any kind of updates to ensure the refund is in process and I dont trust that they are handling my request correctly or expeditiously.
Consumer complaint received 2022-06-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC (PA)

Please see attached violations and proof within. This loan was instated as a refinance when in fact it was never financed before this XX/XX/XXXX in the name of XXXX XXXX This institution used Predatory lending acts as proven in the following statements acquired from the bank which were provided to me XX/XX/XXXX. This institution is in violation of TILA, RESPA UCR Act. Predatory Lending Act and several FTC Securities violation including usury and finance charges over and above the 36 % allowed by XXXX XXXXXXXX. Illegally created an Escrow then this institution attempted to XXXX me and threatened me with a Cognovit Note which is only to be used in Commercial Banking, and deemed illegal to be presented or attempted to used to defraud a residential consumer within the XXXX, Otherwise referred to as a Confession of Judgment. See attached.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

The following account is a result of FRAUD ... and Identity thief, I have already filed a disputes with the XXXX major credit bureaus. 

Amsher Account # XXXX pursuant to 15 U.S.C. section 602 A states I have the right to privacy ... ... also it states under 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written consent ....
Consumer complaint received 2020-12-15
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. (NJ)

From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " XXXX XXXX, is : XXXX XXXX, From XX/XX/2018. XXXX  Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NY)

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
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: General Motors Financial Company, Inc. (CA)

The GM FINANCIAL account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for XXXX credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, XXXX must delete fraudulent account reporting by GM Financial from my credit report.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

In XXXX of XXXX, XXXX XXXX opened up a XXXX Rewards Credit Card with XXXX XXXX  with out my permission. I have reached out to both XXXX and XXXX XXXX  and have not received any help from either of them.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Have Credit card from Citi Bank. I have intentionally kept credit limit at {$800.00}, expecting once the credit limit is reached transactions should be declined. Unfortunately, the credit card allows transactions to exceed the limit. Telephone number for customer service for credit card company is : XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Goal Structured Solutions, LLC (TN)

I got a loan in the amount of {$1800.00} in XXXX of last year for XXXX to go with XXXX. I ended up not completing the course and stopped attending classes in the end of XXXX early XXXX of last year. I've been having trouble repaying the loan due to unemployment. I have reached out to the company and they will only accept full payment or really high monthly payments. I would like a decreased amount to pay off the loan if that's possible or deferment. It's affecting my credit score horribly. It is now XXXX of 2022 and I would like to get this resolved in a timely matter.
Consumer complaint received 2022-01-12
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: Bread Financial Holdings, Inc. (FL)

I have been experiencing issues with Identity Theft for the past 10 years. I was apart of several data breaches, including XXXX, insurance companies and banking. I have been constantly working to get my credit issues addressed, with only 25 % of corrections being made. The companies are not assisting, which is frustrating because I am a victim.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (PA)

I opened an Express checking account with XXXX XXXX XXXX ( they've since changed their name to First Horizon bank ) with XXXX XXXX at the XXXX XXXX XXXX XXXX branch in XXXX Tennessee on XX/XX/2019. While opening this account, I signed up for a promotional offer of {$200.00}. I've attached the certificate of that offer. I gave this to XXXX XXXX when she was opening the account and she confirmed applying it to my account. The offer required me to open the account with {$50.00} and set up and receive a direct deposit within 60 days of opening the account. I opened the account with {$50.00} and got a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/2019. The terms of the offer were that the {$200.00} will be paid within 6 weeks of the direct deposit. I never got this money, and calls to their customer service number of the bank branch where I opened the account didn't help at all. They told me they can't see the promo attached to my account and I couldn't contact XXXX XXXX at all.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (IN)

I disputed an unauthorized inquiry with Equifax from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and it still hasn't been removed. I'm giving them one more chance before I start litigation and collect the minimum {$1000.00} judgement for this inaccuracy.
Consumer complaint received 2022-06-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please see prior Consumer Financial Protection Bureau ( CFPB ) complaint number XXXX filed XX/XX/2020 against TransUnion for inaccurate credit reporting of XXXX ( XXXX ) federal student loans currently serviced by Department of Education-XXXX XXXX. TransUnion 's response to CFPB complaint XXXX filed XX/XX/2020 merely referred said complaint to XXXX XXXX with no action or investigation by TransUnion whatsoever. Wherefore, thereafter XX/XX/2020, I requested a copy of my TransUnion credit report to ascartain if any corrections had been made by TransUnion. See EXHIBIT 1. TransUnion denies free copy of credit report in direct violation of Federal Trade Commission ( FTC, see EXHIBIT 2. website copy ) website information that " weekly credit reports are free. '' I want TransUnion to provide me a free copy of my current credit report as required by federal law and policy.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Liberty Holdings, LLC (TX)

This number has called my phone and XXXX in attempts to reach me pretending to be XXXX county. I contacted XXXX county and they said that there is no such case number and that they would not call from a blocked number and hold no offices out of state. The number that reached me called on XX/XX/20 and left a call back number of XXXX
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I closed on a mortgage through XXXX XXXX XXXX on XX/XX/XXXX. We have been transferred between servicers but are receiving conflicting information ; one bank has taken a payment for us but the current servicer says they don't have any record of us. 

- Closed XX/XX/XXXX ; First payment due XX/XX/XXXX - First servicer/funder : XXXX XXXX XXXX - XX/XX/XXXX : Notified via email from XXXX of being transferred to XXXX XXXX XXXX  XXXX XXXX MI ) XXXX XX/XX/XXXX : Setup new account at XXXX for online payments XXXX etc - XX/XX/XXXX : Received letter from XXXX that we were being transferred to XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX - XX/XX/XXXX : Received letter from XXXX they were, in fact XXXX not going to be our servicer and not to send payments for due dates after XXXX - XX/XX/XXXX : Received a second letter from XXXX that they were transferring us to LoanCare XXXX but this time effective XX/XX/XXXX - XX/XX/XXXX : XXXX takes auto-draft from checking account XXXX XX/XX/XXXX : Northpointe lists payment as unapplied funds - Since XX/XX/XXXX, LoanCare LLC doesnt know who we are per customer service. We have received no correspondence from them at all. 
- XX/XX/XXXX : received letter from XXXX XXXX that FM has purchased our mortgage on XX/XX/XXXX and they are our servicer, but with different addresses from XXXX XXXX XXXX correspondence.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (GA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX
Consumer complaint received 2022-06-14
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. (CA)

The XXXX XXXX account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for Transunion credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, Transunion must delete fraudulent account reporting by XXXX XXXX from my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX || Date of inquiry : XX/XX/year>