davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (OH)

I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?
Consumer complaint received 2018-12-24
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)

Experian sent me an alert via my Experian XXXX App stating that I have an account in the state of XXXX with XXXX XXXX XXXX that has been open and active since XXXX ( I  would have been XXXX years old at the time and living in XXXX  or XXXX ). 

I contacted XXXX XXXX XXXX Fraud Department and they performed an inquiry, which came back as showing I have ZERO financial relationship with any form of dba, XXXX  XXXX XXXX. Which is exactly what I expected. 

Concurrently, Experian ran an " investigation '', which came back as being confirmed by XXXX  XXXX XXXX that the account belongs to me. If that were even possible, that would mean that I've had another active ( monthly payments ) account in a state in which I've never resided for the past 29 years! 

This is completely absurd. And there is no way to get a hold of a live representative at Experian since everything is automated. And the " system '' apparently inputs bad data and spits out errant results.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

I tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

Experian : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, XXXX XXXX
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

From XX/XX/2022, until XX/XX/2022, I have been trying to unfreeze, my credit, and update my name, which has been legally changed, in a US Court. Equifax XXXX. has repeatedly lost my documents, put me on hold, for hours, at a time, refused to send, my call to the appropriate department, and lastly claims that I haven't gone through identity verification, when I have. It, all, seems to be a game, over, something, very, simple. I have a state ID, proof of social, proof of address, and a judge 's order. Equifax refuses to receive the judge 's order, as proof of, my legal name change.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

On or about XX/XX/XXXX - XXXX I attempted to purchase a car. The salesman showed me a copy of my credit repot that displayed derogatory credit reporting as far back as XXXX  including : multiple credit cards in dispute, and XXXX XXXX dollars in student loan debt. 
It also showed every dispute that I have ever made throughout my lifetime, and I am 65 years of age. 
This is a XXXX XXXX of justice and i am requesting an immediate investigation into false credit reporting. 
I do not owe over XXXX in student loans, and I do not have ANY credit cards in dispute. The last credit card I disputed was XXXX when during the Pandemic and mail was slow they reported me XXXX late with my payment, and that has since been corrected over XXXX year ago. Why would XXXX XXXX been showing, " In dispute ''? I am asking the credit reporting agencies to correct this false reporting. I am beginning to question if my credit report is entangled with someone else? I am a XXXX XXXX, XXXX of age and I find this error debilitating and stressful. I am asking for an investigation and correction of all tXXXX bureaus.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I disputed a charge for {$72.00} because I was not given back my deposit I put down for a loaner car. My car was ready to be picked up on a Saturday and this dealership closes at XXXX on saturdays and I was working and unable to go at that time and they are closed on sundays, which means the only day I could return the car was on Monday and I shouldnt be charged for that and the service manager at XXXX said I wouldnt be. Chase obviously did not agree.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (MO)

XXXX XXXX XXXX XXXX has made a charge for a service which it did not render for me, the patient. A charge of {$500.00} was applied to my account for XXXX storage on XX/XX/XXXX by XXXX XXXX XXXX with a Diagnosis code of XXXX. This charge was mistakenly applied to a service not rendered. 
The initial freezing and first year of storage occurred on XX/XX/XXXX and I paid {$300.00} for both. The next year I chose to transfer the vials to a new facility. XXXX XXXX facilitated the transfer on XX/XX/XXXX. She assured me that because it was within the same week of the first years expiration date, that I would not be charged. She said that I XXXX receive a couple bills until the charge was cleared, but to call if that didnt happen after 2 months. 
After receiving a bill on XX/XX/XXXX, I began calling XXXX XXXX, business office, to dispute this charge. I called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She never returned my calls. I also called XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and they were also unable to resolve this issue. On XX/XX/XXXX, this bill was sent to the collection agency XXXX XXXX. 
I have been called by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I called them back on XX/XX/XXXX to discuss the charge and tell them I am disputing it. I have also submitted a form on their website saying that I dispute the charge on XX/XX/XXXX. 
In the afternoon of XX/XX/XXXX XXXX XXXX did return my call and assured me she would expedite cancelling the charge and it would be resolved in 8 business days. I sent the attached letter and supporting documents to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to document my dispute.
Consumer complaint received 2019-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

On XX/XX/XXXX I called PHEAA/FedLoan Servicing to inquire about how many qualifying payments I have made toward the loan forgiveness program as I have three different repayment end dates. I have four loans that qualify for the program, I started repayment on these loans at the same time since I only receive on bill through FedLoan and it is always paid in full, and sometimes even additional payments are made. On XX/XX/XXXX I spoke with XXXX ID # XXXX who informed me that she would put my loans in for review. When asked how long that would take she told me 6 months. While I thought that seemed excessive, I said ok. It was not until Saturday, XX/XX/XXXX XXXX one year and five months later ) that I received a letter from FedLoan servicing with a " breakdown '' of qualifying payments. This breakdown still did not tell my why I have different repayment periods so on Tuesday, XX/XX/XXXX I called FedLoan again to ask for a reason why the repayment periods were different. I first spoke with a woman I believe by the name XXXX but her ID # is XXXX. She was unable to help me so I was transferred to XXXX ID # XXXX. XXXX began counting the payments made on each loan, and when the numbers did not match what I had I questioned it. XXXX told me " let him finish and this call will end faster. '' I told him no, I am going to follow along with him and question why they do not add up. In one instance, XXXX said that there was " no bill for XX/XX/XXXX and you only paid {$39.00} of the $ 40-something dollars due. '' I pulled up my payments for that loan for XX/XX/XXXX and XXXX. On XX/XX/XXXX I paid {$46.00} and on XX/XX/XXXX I paid {$51.00}. XXXX could not answer as why there was a discrepancy and just kept saying he would put it in for review. I asked him how long that would take since I waited a year and a half for this response. He told me " case reviews take a long time and there is no time frame for when FedLoan will get back to me. '' I have had trouble getting responses from FedLoan on various issues since 2017 and for that reason I document every phone call. It should not take over one year just to get a response to a question.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

i have been a member with navy since XXXX but since XXXX of XXXX there has been ongoing issue with my accounts one was with a hotel that stayed at during may they were supposed to give me my XXXX deposit back which they later than took from my account even after i showed them all the transactions from the account there is nothing in the account that a deposit was given back to me from this hotel called the XXXX XXXX  i told navy that they did not give me back my deposit of XXXX for my stay there so navy just took the deposit back from my account which was not my fault that the hotel did not give me my deposit back i even reached to the hotel about this but nothing was done so now i feel like at this point they will not give me my money back right now i'm struggling and i can barely get by as it is i really need my money back because this is such an inconvenience especially since I'm on XXXX and I'm not able to work and only get but so much so its not like i have money to get by i wish navy would understand that as well i feel like they are playing with my money and don't care what i'm going through and i really need my money back from the hotel stay promplty
Consumer complaint received 2019-09-13
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. (FL)

Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with XXXX XXXX. During the hurricane XXXX XXXX put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called XXXX XXXX this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those XXXX months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please XXXX to remove those XXXX closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, XXXX, then why was I put in a program to get help from XXXX XXXX during these difficult times. So basically, capital XXXX is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a XXXX percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and XXXX  XXXX dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of XXXX XXXX, ceo of XXXX XXXX put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This complaint is for XXXX  and Experian. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (AL)

XXXX XXXX I applied for a credit card with Wells Fargo. I did so because this card offered a balance transfer option for 0 % for 18 months. I have a XXXX card with a large balance. XXXX approved me but for only a {$5000.00} credit limit. That was not enough to pay off the XXXX card balance. 
On XXXX XXXX, 2019 I called XXXX to activate my new card and I instructed them to NOT make the balance transfer since I couldnt pay the entire balance. On XXXX XXXX, XXXX made the balance transfer anyway. On XXXX XXXX, a payment of {$4500.00} was posted on my XXXX card. The balance on my XXXX card is {$4600.00}. I did not want to transfer part of the balance where I would have XXXX accounts open with XXXX payments to make. 
I talked to XXXX earlier this week asking them to credit my XXXX card with a payment for {$2300.00} ( 50 % of what they charged me ) and I would assume the other half. They refused. They also told me that they had reached out to XXXX and asked the to refund the payment that XXXX made to them. XXXX refused. 
My current stance is that I want XXXX to refund to me the entire balance of {$4600.00}. That is my money they spent that I didnt authorize.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol one auto Acct., federal student loan were closed in XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

XXXXXXXX XXXX XXXX Acct. was held under spouses bankruptcy XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.
Consumer complaint received 2019-09-13
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX  and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly duplicate entries of a charge-off on XXXX  partial account numbers - XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX Bank and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KY)

checking my credit report, i noticed a debt in collections. it says it originated with XXXX  XXXX XXXX, in XX/XX/XXXX. i was a customer of theirs, at that time. i cancelled the policy, WITHOUT ANY OUTSTANDING DEBTS. i contacted XXXX   XXXX first about this debt. they have no record of it. i am still a customer of theIrs and they have never tried to collect on it. 
i contacted the collection agency, XXXX XXXX XXXX, they can not or will not tell me what the debt is for. 
i will not pay a debt that no one can tell me what its for. THE AMOUNT IN QUESTION IS FOR XXXX $ i challenged this debt with XXXX. on XX/XX/XXXX.they investigated, and on XX/XX/XXXX completed that investigation. they can not give me an answer either.