davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since XX/XX/XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC ... .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX   verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing XXXX XXXX. XXXX ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with Transunion to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

XXXX then deleted the collection account from my credit file.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
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: Medical Data Systems, Inc. (MD)

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CA)

Hello! 

5 years ago I asked for a {$3000.00} credit limit increase to my personal credit card ( which had I believe, a {$500.00} or perhaps {$1000.00} limit at the time. ) I received a new ( separate ) credit card with a limit of {$3000.00} shortly thereafter. 
( Note : This was in the era of duplicate account creation which XXXX XXXX was ultimately held to account for - still, I didn't think much of it at the time. ) Since then, despite a near-XXXX balance on the card, I've received two credit facility reductions without notice or consent ... the first being over two years ago ( From {$3000.00} to {$2200.00} ) and another today, with a reduction from {$2200.00} down to {$500.00}. 

There was no consent sought, nor notice delivered, nor reason to reduce this credit facility by TWO THIRDS overnight. ( my credit score has steadily improved over the last two years - though I've barely touched this card. ) ... All of this for an account that should never have been opened in the first place. 

I believe this falls in violation of a number of regulatory statues. ( Please correct me if I am mistaken. ) ... Either way - myself and my family are negatively affected in the extreme, and US Bank 's lack of notice has resulted in a scenario where if we had an emergency - we'd be unable to manage the situation. 

I have multiple accounts with them ... where was the letter? Where was the push notification? Where was the phone call? This bank has more contact information ( and other PII ) about me than my own mother ... How are they incapable of providing sufficient notice to their clients about actions that have major impacts? 

What check and or balance is in place to ensure a degree of accountability?
Consumer complaint received 2019-02-13
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
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 — Problem with personal statement of dispute
Company: RFNA, LP (SC)

My wife and I separated in XXXX of 2018. I found out in the following months after that she had set up an account with XXXX XXXX which I had no knowledge of and didn't give any permission. I contacted XXXX XXXX about this and the only information I was given is that a " live check '' was sent to the address and was deposited into a joint account which was was closed the day or so afterwards. I asked them how an account with my information was opened without my consent or any signature, and the only comment I received was that they didn't have to have one.
Consumer complaint received 2023-01-05
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (KS)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

FedLoan Servicing sent letters with incorrect information. 
1. I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver, however they clearly have not. After lengthy hold times I found someone who could provide correct information - the loans are initially reviewed under the standard rules, then sent for a second review under the waiver rules. This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately. 
2. I received a letter from FedLoan stating that says if I consolidate during the Waiver period my payment count will start over. This is factually incorrect based on the waiver period rules.This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I opened a Best Buy card via Citi years ago that I used, paid off, and never used again. Somehow, there have been three accounts opened over the years and the most recent was used to charge merchandise I did not buy. I reported the purchases fraudulent and requested any accounts associated with me to be closed. After more than a month, they still show at least one account open with {$3000.00} available. Today I asked again to close all accounts and they said that since an account was closed in XXXX that I have to reopen it to close it. They were referencing the account that had been closed for fraud and not the open account, which I had never asked to be reopened in the first place. At this point, I need to report them as they are either pretending stupidity to keep my account open, or are so incompetent that they can not fulfill my request.
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

My loan is from XXXX and was originally from XXXX XXXX. It was bought by Navient after I had been paying on it. They have been unable to tell me where the payments went that I paid prior to them buying it. I was charged the full amount again by Navient after they bought it. I made payments to Navient, and then went back to school in XXXX. I spoke with the school and Navient and was told that I would not need to pay while I was attending school. My credit was affected and reported as late, I had to submit a dispute with the credit bureu. I have faithfully made payments to Navient since XXXX. Paying more than the minimum amount, and paying early. The balance is always the same and never goes down. I have requested numerous times that I get a print out, and that something is not right. They have yet to send me the accounting print out, and then on my credit it now shows that the balance is increasing. They can not answer where the money is going, or where the money is for my account. I know that the balance that I am still showing owe is not right. When I log into my account it always shows that repayment is to begin the following month. They don't have an answer for that either.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

A Bank of America/XXXX XXXX card that I have had for numerous years has been closed by Bank of America. I thought it was still an open account. I was trying to make a purchase on this card and it was erroring. I Called Bank of America to find out what is going on, to find out that they had closed the account in XXXX of 2018. I was not notified of this action. 

I believe that Bank of America is closing accounts because for the problems that they are facing at this time.
Consumer complaint received 2022-03-09
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. (CT)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX
Consumer complaint received 2019-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recovery Solutions, LLC (CA)

My name is XXXX XXXX. I was a student of XXXX XXXX XX/XX/XXXX ,XX/XX/XXXX - XX/XX/XXXX. Under the Federal Lawsuit against XXXX XXXX XXXX., XXXX and its subsidiaries schools were closed due to illegal practices with federal funding. during my tenure, i took out student loans federal and private to assist me with my education. I was not fully aware I had taken private loans out, due to the severity of enrollment and pressure to attend classes to graduate. Fast forward, after the school closure I was contacted by National Recovery Solutions XXXX XXXX XXXX who stated they were collecting on my loans and I was delinquent and had to make a payment or else ... .I stated I have in my possession n, a notice from the Attorney General stating the lawsuit and my private loans were cancelled. But in their interest, they stated that it was not valid and I had to make a payment. I made payments as follows - XX/XX/XXXX {$30.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX through XX/XX/XXXX - {$100.00} a month, and XX/XX/XXXX -XX/XX/XXXX {$20.00} a month. I recently spoke with the company again to tell them these loans have been cancelled and should not have to pay and now I am being passed though the grapevine from manager to manager to phone representative, who has not been able to help me. As stated on the documentation attached, and payments made after the settlement, I would be issued a refund, and as I spoke with NRS, they stated they had no idea about my paperwork, and would look into it. 

Please help me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (AK)

This company sends me a notice demanding payment within 30 days but does give me any information other than the name name XXXX XXXX XXXX. Why is a Texas collection agency trying to collect from someone in Alaska? I have never heard of XXXX XXXX. I demand validation, not just verification. I demand to know who XXXX XXXX is, I demand to see any contract I have signed with this company within 7 days or you will agree to cease and desist. Yes, you do have to validate this debt as requested. Please be advised that upon request I will give this collection agency an attorneys information so that they can directly deal with the law firm.
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. 
I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... 
I knew where this will have ended ... I XXXX  almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The first problem occur in XXXX, XXXX. I was told by a representative that there will be no fees for getting a paper statement. I receive a email that a fee for a paper statement may be charge. The second problem occur in XXXX, XXXX. I tried to dispute a transaction by phone regarding a charge that XXXX approve without my knowledge or any kind of notification. I could not dispute the charge online and that is why I made a call to XXXX. I needed a password to dispute the charge. I had forgotten my password and was told that I should go to my nearest branch to file a dispute. I am a senior citizen and can't get to one of the branches. So I had to call the merchant that submitted the charge. The third problem occur in XXXX, XXXX. XXXX change my address to a address in Florida without my knowledge again. They said the error was made by an employee. And the final one occur in XXXX, XXXX reported to the credit bureau about an over charge of {$11.00} over my credit limited. Why would XXXX report this? They are the one to  approve this transaction and it should not have been approved. I have sent numerous messages without any outcome.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (AL)

My property taxes are being held in escrow by my loan processor, Gregory Funding. They were due on XX/XX/2020. I was sent a late notice at the first of XXXX with a late fee. I contacted Gregory Funding on XX/XX/XXXX via phone. They confirmed that they have not been paid but said they needed copies of my tax information. On XX/XX/XXXX, I submitted an Error Resolution Notice via mail, email, and fax. I included copies of both bills which contained all information needed. As of this date, XXXX, they have not contacted me. My taxes have not been paid. This company is impossible to work with.
Consumer complaint received 2018-03-22
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. (NV)

I have tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. 

The Metro 2 Five points of compliance clearly states the following ... 

**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Skrill USA, Inc. (NV)

i have been using this account for over a year now doing my initial setup i was asked to verify documents i used my drivers license and bank statement for prof of address my account was just restricted due to me updating my address so i can not use my funds in my account till i send a id so i send my drivers license again and my utility bill for prof of address i can not use it cause i used it before and the only other document i can use are passport or id in the united states when you have a drivers license you can not have a id too and everyone do not travel to be able to have a passport my utility bill clearly have my name and address on it and it was rejected as well when it was on their list of approved documents i am very XXXX about this situation i need my money i updated my address in my app that clearly states it was me doing so.