davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

On the XX/XX/XXXX I contacted Equifax regarding another person showing on my credit file with a linked address. They raised a dispute and told me within 28 days this will be resolved. I rang back after 28 days and I was told it will take another 28 days. On the XX/XX/XXXX after me ringing several times and complaining and not hearing anything back I was told this information regarding the other person will be removed within 24hours which happened. On the XX/XX/XXXX I then contacted Equifax regarding a credit application that was made under my name several times explaining it was not me, I was told to contact the company directly. the company did not help so I then rang Equifax again and they put in a dispute and again told me to wait 28 days. After waiting equifax got back to me and told me to contact the company again directly, I felt as though I was being taken for a fool. after bouncing back on fourth between Equifax and the company. On the XX/XX/XXXX I asked to raise a dispute again regarding this company information on my credit file and was told within 21 days I will hear back, on the XX/XX/XXXX I was emailed and told the company has agreed to remove these searches. I then rang back yesterday on the XX/XX/XXXX to ask why this information has not been removed yet and after 60minutes on the phone the lady told me the dispute put in was not even for what I had asked, I asked to speak to a supervisor or manager on several occasions but all the customer service advisors would either put the phone down on me or make  excuses and not put me through. I also put in another dispute on the XX/XX/XXXX as this other person who was showing on my report last year had come back on my credit file. I was told to provide my passport and driving license again even though I had previously supplied all of this and I feel like I was being made a mockery out of constantly over and over again. I have still not heard anything back regarding this dispute and it has been over 28 days now. I have never in my life received such appauling service from a company. I am so unhappy and angry as I feel as though I have been fobbed off and ignored and not received any help at all, instead whenever I have rang to speak to a manager I have been either transferred to another customer service advisor or put the phone down on. I have worked in customer service myself in the past and this is not how a customer gets treated ever! I am paying for this service every month and it feels like it is for nothing. I have explained several times that due to all this rubbish on my credit file it has affected my credit score and it stopping me from applying for certain things that I need but I am not receiving any kind of help.
Consumer complaint received 2022-08-19
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX Employer XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX Collections : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NY)

This is my 3rd complaint against Truist Bank concerning junk fees. This one shows me getting an overdraft fee while my account is still positive ( see attachment. ) The fee came from an unauthorized hold on my card that was removed. I was explicitly told by a Truist representative that I will still be charged an overdraft fee even though the charge was removed from my account by the vendor. Truist is routinely stealing from their customer 's bank accounts via illegal junk fees and nothing is being done about it.

The Truist representative referred me to their fee policy ( see attachment ) which in no way states that customers must pay fees for fraudulent or unauthorized charges.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

There is two files under my personal information with LexisNexis Risk Solution consumer report. 

One file is under my social security number but it's missing lot of identification information, including driver license records, identification records, insurance records. 

The other file is listed under my passport number associated as a social security number, including all my identification records, and DMV records. ( all information is correct, except for the passport number as a SSN ) Since my consumer report with my social security number is not showing identification records, it is creating verification issues with banks.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (MA)

Phillips and Cohen Associates LTD sent an " initial communication '' dated XXXX XX/XX/2018 to the Estate of XXXX XXXX looking to have " outstanding bills '' paid on behalf of their client. In accordance with U.S Code 15 Subsection 1692g this collection agency has a maximum of five ( 5 ) days to properly validate any debt and/or " outstanding bills '' due from an Estate after " initial communication ''. The agency did not comply to the Code and continues to harass the Estate and the Personal Representative thereof. I hereby demand that Phillips and Cohen Associates LTD cease all communication. I further demand that the agency not report any debt or delinquency to credit report agencies nor assign or sell said " outstanding bills '' to any other collection agency.
Consumer complaint received 2018-11-14
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: Resurgent Capital Services L.P. (NJ)

XXXX has been non-compliant with removing the unverified account LVNV FUNDING LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that LVNV FUNDING LLC 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 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank, XXXX, XXXX XXXX, XXXX, XXXX XXXX, JP Morgan, and others have my information and show money in account but refuse to allow me to access. I get emails and letters in mail asking me about bankcards, debit cards, credit cards that I never received. I have recently seen many types of financial things like loans, student loans, taxes for amounts like XXXX from attorney general of Texas due to a partnership I was left due to intellectual property stolen and sold around the world that I arbitrated and became partners with XXXX and various other companies. Gained many stocks. Told by XXXX XXXX I was granted XXXX XXXX when Pres. Trump was given XXXX XXXX to disperse to people who had donated a large sum of money, which I had of the amount if XXXX XXXX while thieves were stealing from me. Decided I would rather give it to charity than thieves. Did everything to stop but it's complicated. Which I believe was orchestrated for that very reason, too many things happening at the same time which was obvious since the mistakes are not typical and you generally never see those types of mistakes happen to anybody which had now become apparent.
Consumer complaint received 2019-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

XXXX XXXX Military, PCSd from XXXX to XXXX. Freedom Morgage company failed to get in contact with me about my interest rate change on house payment. They let late payment lapse for almost a year before I called to get information about tax documents. Only then did they notify me of the rate change to morgage, resulting in almost 40 dollars short on my monthly morgage payment not being paid each month, that I have faithfully paid every month. Now the morgage company has placed a delinquency on my credit report which negatively affects my credit score.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MI)

XX/XX/XXXX. XXXX and XXXX was a time of hardship as I was a student in the process of getting my XXXX XXXX XXXX license in the midst of starting my new career to be stable and so I couldnt do the payments on time as I was unpaid as a student in school then becoming employed. Ive had an account with XXXX since XX/XX/XXXX and have been on time since those two months and it is critical that I bring my account to great standings now that I can.
Consumer complaint received 2020-02-07
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: EQUIFAX, INC. (PA)

I have used the XXXX website to obtain my XXXX  and XXXX   reports for years but Equifax is unwilling to provide my report to me. I have answered everything correctly online multiple times to request this and they respond saying I may mail in a form that contains my social security number, and other highly personal sensitive information like a XXXX and payslip. This is a ripe opportunity for identity fraud and I can not mail this in. Two people in my area have had their mail stolen, one of which was the victim of identity fraud. Please, I am seeking help accessing the data this institution is collecting about me- my credit report. I greatly appreciate your assistance. Thank you. 

XXXX XXXX
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Kentucky Higher Education Assistance Authority (GA)

XX/XX/2016 got reported as 60 days late. I am generally on top of making sure the amount stays in good standing, however, there was a situation where I was under the impression that the loan was placed into an income repayment plan. Now, is affecting my credit score and placing 2 late payments on my report. Customer service was slow and I never received Correspondance until after it was reported. I am asking the late payment  be removed due to confusion not lack of responsibility to pay or set up arrangements. Thanks
Consumer complaint received 2022-08-19
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXXXXXX 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 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I filed a complaint against TransUnion & XXXX  for reinserting a 5 year old Bankruptcy ( Case # XXXX ) without notifying me in writing with in the five business days required by FCRA, Part ( A ) ( 5 ) ( B ). The reason the BK had been deleted about 5 years ago was do to the fact there was many inaccuracy reporting on the Bankruptcy. Such as wrong filing date, date the BK was closed the address and name of the correct Bankruptcy court. They even had my address incorrect. After I filed my complaint XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical pain. So now both XXXX  and XXXX   was showing my credit report correctly and I just knew TransUnion would follow suite , but they did just the opposite. On XX/XX/XXXX I received a letter from Transunion stating that on the date of XX/XX/XXXX and XX/XX/XXXX they had did an investigation into Texas Federal Court XXXX and at that time when they did investigation they had verified the account. So they went on to say that they would reopen the case and do an new investigation into the matter and send me out a letter once its been done with the new results. XX/XX/XXXX is the last I've herd from Transunion. From my understanding they have 30-45 days to do an investigation and send out the results or they must remove the item off the consumer report. I have yet to receive anything but yet they are still reporting this on my credit which is a violation of FCRA. Transunion is also in violation for not sending out a letter with in 5 days of reinserting a deleted item. I don't understand why Transunion claimed they did investigation back in XXXX and XX/XX/XXXX because its irrelevant considering it was deleted anyways back then for the violation that i noted. But from my true understanding section 609 protects me against false reporting and i would like to point out that this exactly what this is. TransUnion is the only bureau reporting this on my credit and have yet to explain why or show any prove. Transunion needs to remove the BK off my credit or my next step will to seek legal actions against them.
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (OH)

On XX/XX/XXXX my husband and in-laws both received voicemails from a XXXX XXXX stating that she was trying to locate me and that I had a pending legal suit against me. my husband gave me the number that she had given as well as the filing number that was on the voicemail. I called the number and was told that they were XXXX  out of Georgia. I asked for some sort of verification of the debt and was told that that was evidence and they would not give it to me. I repeatedly asked for more information and they would not give me anything other than the amount due if I paid that day or the amount that I would have to pay if it goes to court. I was told that I could call the original creditor but they would just refer me to the collection agency that they used and that collection agency would refer me to a broker who would then refer me to another agency before I finally got back to them. I called back this morning and recorded the conversation. I asked who the plaintiff was and was told the plaintiff is them ( XXXX  ). that they own the debt now but that they are not a collection agency they only file the paperwork. I again requested a copy of the documentation and was told that the only documentation they can give me is a document stating that I had resolved it or documents stating I had made payment arrangements. That they would not give me any documentation pertaining to the original loan. I asked for the name and address of the firm as well as the name of the attorney that would be filing the complaint. I was told they don't have any attorneys on staff and that their name is XXXX  I was given a PO box of -XXXX XXXX XXXX XXXX California XXXX. When I asked for the full name of the company she refused to give it to me ( the lady I spoke with name was XXXX both days ). I asked what their role was in this situation and I was told that they are a legal proceedings office that they purchased the debt with the intent to sue so therefore they are not a collections agency.the phone number I was given as a contact for them was XXXX XXXX file number XXXX. The phone number that called my husband and my in-laws was XXXX