davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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. (MS)

It started on XX/XX/2019 I initially sent in a letter to Equifax challenging incorrect names and addresses misplaced upon my credit report. To follow up on XX/XX/2019 I sent my FTC identity notice and identity theft report in regards to fraudulent names, addresses, and inquiries. I received multiple responses from Equifax claiming to have deleted said names and addresses as well as inquiries. I have pulled an updated report and such addresses are still reporting and showing on my credit report even after receiving documentation on XX/XX/2019 and XX/XX/2019 that said addresses have been deleted and credit report updated. This is/was a false statement because these fraudulent addresses are still reporting and attached to my credit report. The addresses inaccurately reporting and do not belong to me and or related to me are ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) ( XXXX XXXX XXXX XXXX XXXX, FL XXXX )
Consumer complaint received 2018-06-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp (WY)

I received a phone call from a company called Equitable Acceptance in XX/XX/2015 about a student loan forgiveness program. Their sales tactics made me believe I needed their services in order to get my loans forgiven and without them I would be in a very difficult situation. Being in student loan debt I was very fearful I would never be able to afford to repay the loans so the student loan forgiveness they were explaining was a glimps of hope. Now to find out years later by the department of Education that I should never have to pay a third party for help with student loans and to immediately stop the automatic {$39.00} monthly payment that they had been taking since XX/XX/2015. I had then realized that my student loan amount was not going down at all due to the income based repayment plan I was on, and Equitable Acceptance was charging me {$1300.00} a year to submit one application to my loan servicer. I believe this company needs to better explain the actual service they are providing because if they made those facts more clear nobody would be involved with them. Their marketing a population with tactics that makes us fearful to deny their services not knowing that we do not need a third party to provide any service at all. Their marketing tactics are unfair and I dont believe they should be in business anymore. The services that I have been paying for from them also show up on my credit score as a credit card with a balance due. I would like to see this removed from all credit reports. I would also like to add that the person handling my case, which I do have their name and number, had a phone number that is no longer in service and they have made it very difficult to find out how to contact them directly.
Consumer complaint received 2022-12-15
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. (PA)

The XXXX XXXX XXXX account has been closed since XXXX. All of the reporting on my TransUnion report is incorrect. After receiving an email about a change in my report, I called TransUnion on XX/XX/XXXX to discuss the issue. The account is showing opened and a missed payment which resulted in a huge decrease in my credit score. The representative from TransUnion stated there was nothing he could do because they simple report what is being reported to them. I am reporting the information is incorrect and have my Trans Union report from XX/XX/XXXX showing TransUnion has the account marked as closed. He stated again they can only report what the creditor sends to them and if it is reported the account is open and missed a payment that is what they have to report. I have to contact XXXX to submit a correction to TransUnion. Even after pointing out the account remarks states that the account was charged off in XXXX, the representative remained firm that the account is currently open and the information is correct. 

My TransUnion account says I have paid around {$4000.00} towards my balance. If the original balance is {$14000.00}, I have 23 months of payment and the monthly. Payment is {$390.00} how do I only have {$4000.00} paid towards the balance. TransUnion is also reporting a monthly payment of {$0.00}. If that is correct then how am I late on a payment that is {$0.00}? 
The representative was not at all helpful and TransUnion is the lowest of my credit reports because I have to monitor it through XXXX unless I want to pay to see my account. Why would a person pay for a service where the demonstrated customer service is so terrible. I am attaching a copy of the XXXX XXXX Services portion of my TransUnion report from XX/XX/XXXX In addition, this account remains in dispute with XXXX XXXX as the information being reported to all CRAs is incorrect. The collection agency ceased all collection efforts and sent the account back to XXXX due to inaccurate infornation. However, calling XXXX to dispute it just results in please call back in XXXX days.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC (FL)

The recovery solutions group llc has sent many threatening emails. They have said that they will take property, they have contacted relatives even when they were asked to not contact. They are giving my information out to relatives. Most recently XX/XX/2020. 
This company has more so harassed me about a debt. They send threatening emails that they will go through all my bank accounts. They have even threatened me that I better hope I have all legal documentation for my company and Im not illegal. I have asked them to stop over and over and they wont. They are still contacting my family.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2019-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I been witting to equifax, to fix issues with in my credit, they just don't bother to respond, i have mail already 4 letters with a copy f my driver license and social security card and they don't respond or refuse remove the errors Personal information..I never ever lived in any of this places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Personal statement ( I NEVER REQUESTED THIS ) Statements Personal Statement ( s ) FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE Inquires Not Done by me, no authorization either verbal or written XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX National Credit Card Cos.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I applied for an auto loan on XX/XX/XXXX with XXXX XXXX XXXX and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called XXXX on 3 separate occasions over the past 3 months and they have not removed the unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX See page 25 Regular Inquires of the attached credit report.
Consumer complaint received 2019-09-20
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 (VA)

In a nutshell, my youngest daughter wanted to attend XXXX in XXXX XXXX, FL. We contacted the financial aid office at XXXX, and were told only about the Parent Plus loan ; it was never brought up that my daughter could apply for the loan in her name, and have her payments based on her income. I had to take out the loan. I had been through an expensive divorce from her father, and my credit scores were not sufficient for me to sign the loan on my own. They advised that if we could get another co-signer with better scores, we should have no problem getting approved. My then boyfriend, now husband, graciously offered to co-sign. This was in XXXX-XXXX ( a total of 4 loans ). We are currently pending approval/denial through the Dept. of Education Borrower Defense process, due to XXXX XXXX fraudulent job placement claims. Those 4 loans are in forbearance, accruing interest at an alarming rate. It also appears that XXXX XXXX is suing the Dept. of Education, and that applications are not being processed until the lawsuit is settled? I questioned the Dept. of Education as to why are these loans placed in forbearance vs. deferment. It was explained to me that this was done in order to prevent borrowers who were applying were not doing so just to be able to delay making payments. My husband and I both work for the XXXX XXXX XXXX ; our income is lower than low. I believe in paying my taxes, debts, etc. I believe that your agency can not submit my claim to the government, but, I feel that my husband and I are being punished for something that someone else must have done ( filed borrower defense when they know they are not even remotely eligible ). We are getting close to retirement age, XXXX and XXXX, and this is frightening to us. If our application is on hold for something we had nothing to do with, and have no control over, why can't our loans be placed in deferment? That is all I am asking for. Thank you for your taking the time to read my complaint. Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (MN)

On XX/XX/XXXX there was a account that was open in my name that I did not apply for because of this I have a late payments on an account that I never opened because of this it has destroyed my financial future I need to get this account deleted off my credit report Ive never opened this account especially around the year XXXX when I just was able to get my first credit card Account name XXXX XXXX XXXX XXXX XXXX  number XXXX XXXX  type XXXX XXXX Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX - XXXX updated - Recent payment - Monthly payment {$0.00} Original balance {$800.00}
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MO)

On XX/XX/XXXX I decided to pay my loans off. So I use my bank loans website ( XXXX XXXX XXXX  ) to make the transaction and pay my loans off. Few hours later I checked the website and the transaction had disappeared. I assumed it didnt go through since it was a high value. 
I went to PNC Online banking and started an online chat. The agent said the limit for transactions was 10 thousand but I could use bill payment if I wanted to pay a higher value. So I added XXXX XXXX XXXX as a payee and made a payment using Online bill pay. 

On XX/XX/XXXX I noticed that BOTH transactions went through ( more than 32 thousand ) and my account was overdrawn in 15 thousand ( The PNC bank authorized an overdrawn of 15 thousand without even calling me ). So I immediately called the PNC Bank and put a stop payment on one of the transactions. On the phone call I specifically said to stop the on made through the ONLINE BILL PAY ( If the call is recorded you can check that ), I did not authorize to cancel the other transaction. 
One of the transactions were reverted and I receive 16 thousand back, but for my surprise, the transaction canceled was the one I made through the XXXX XXXX XXXX, not the one I asked ( through online bill pay ). 
XXXX XXXX XXXX reopened my loan since the transaction was reverted, and they say they didnt receive the other transaction. Since then Ive called PNC many times. First they said the money was in the way and I had to wait. In a second call they said they said that the account number that I used in my online bill payment was wrong ( which I doubt ), Ive started a disputes ( twice ) and they keep closing my dispute without solving my problem. 
I feel like the bank is not taking my problem seriously, its more than 16 thousand missing in my account, each day passing the interest is being build on my loans ( more than {$3.00} per day ). Ive also been in one of the branches in person, they keep saying that someone is going to call me, but no one ever did. 

Beside the interest being build in my loans, the stress of not having the money in my account is affecting my personal and professional life.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have banked with Capital One for a very long time. I haven't file a dispute in all the years I've been with them. I submitted documentation for a botched car repair and they refuse to refund me the amount spent with the company. I took the car in for a second opinion and paid another {$730.00} and they said it is not enough information to resolve my dispute when my car was having the same issue when I paid for it to get fixed the first time. I refuse to take this charge. I trusted the credit card company to solve any valid disputes I may have, that's why I use my credit card. I trusted the repair shop and now I'm out of over XXXX dollars. The credit card company basically told me they are not siding with me and I have to resolve the dispute with the merchant but he is not willing to solve the issue especially after me getting my car fixed elsewhere. This is so unacceptable and I need a resolution as soon as possible.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Performance Settlement, LLC (TX)

I was misled by this company ( Performance Settlement ) and cancelled my debt consolidation program on XX/XX/2018 since I was not being informed of my debt status or any details on my account after requesting updates. Was promised full refund less {$55.00} processing fee. Never received after several inquiries and company could not verify amounts, only re-initiated the cancellation on XX/XX/XXXX and again on XX/XX/XXXX. Refund still not received so I disputed all 3 deductions from my XXXX XXXX bank account. My bank provided the provisional credits then ran the 3 amounts back through on XX/XX/XXXX and XXXX only notifying me of one of them. I received a check refund from the company for {$520.00} on XX/XX/XXXX but had paid them {$970.00}. No explanation on check stub or breakdown of where the additional refund may be and now company not returning my calls. My bank acct is overdrawn and states the disputes were reversed since company provided them the proof of agreement to pay. My bank was to mail me a copy of the dispute paperwork twice since XX/XX/XXXX and I still have not received it. Ive been scammed and can not re-dispute the charges of XXXX ( 3 times by ACH ) at my bank. I also incurred {$140.00} in bank fees for the 1st disputed payment and had to pay that back as well. Please help me make this right. I am owed {$440.00} from Performance Settlement less the {$55.00} fee which I also do not feel I should have to pay since their dishonesty and broken promises still are not resolved. Thank you.
Consumer complaint received 2023-04-05
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. (PA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Consumer complaint received 2019-07-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (IL)

Paid car loan off in XXXX of 2018. I never received the title or payoff statement. Request on separate occasions and went to local branch office. They provide a letter that said loan was paid off but did not include letterhead, vehicle information or signature. Also provide copy of original title. Took the documents provided to dmv and was told these items are insufficient. Called PNC Bank a 10th time and Im still waiting to here back. They never provided loan statements or a coupon book during the loan period. I feel like Im being held hostage by the bank. Please let me know how to get a copy of my car title.
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (CO)

Experian makes obtaining credit report or requesting a freeze on credit intentionally difficult and obtuse. The web site is not intuitive or helpful. Even with accurate input of my information I can do -nothing- online and have to call. When I call the number I can not reach a live person but instead receive only a few options which require me to manually prepare a document with a lot of PII to mail to them. This is not only a high risk of exposing my PII, but also makes requesting information or services unnecessarily complicated. They are the only credit reporting agency I have worked with who has made their services difficult to access and use. I feel this is in an attempt to prevent or discourage person 's taking control of their personal credit reporting.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CO)

On XX/XX/2019 upon attempting to make a deposit I was rudely treated by the Branch manager to which I responded in kind. At that time she claimed to forcibly close my account and did not do so. 

Upon contacting U.S. Bank I was informed my account was not closed and required me to come in person to do so. I was assured in person in XXXX my account was closed, during this time they continued to accept charges and assess fees for overdraft and maintenance despite never having over draft protections or ability on my account previously.
Consumer complaint received 2019-07-09
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.