davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

XXXX XXXX has denied my Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) claiming that if the organization is currently operational, then I must get an authorized official 's signature ; however, this is only  partially true : Section 2 clearly states, " Check this box if you can not obtain certification from your employer because the organization is closed or because the organization has refused to certify your employment. The Department will follow up to assist you in getting documentation of your employment. '' I checked that box & my PSLF ECF ( Public Service Loan Forgiveness Employment Certification Form )  was denied without the opportunity for the Department to follow up or assist me in getting the documentation specifically because, as I've informed XXXX, while I still work for the XXXX XXXX XXXX XXXX ( XXXX ), my new supervisor refused to sign the ECF which categorically falls under the issue of the organization refusing to certify my employment. XXXX has a legal obligation, of which it is currently negligent, to offer a second option for employment verification.
Consumer complaint received 2019-04-28
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. (MO)

I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX XXXX XXXX
Consumer complaint received 2019-04-28
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. (MO)

I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXX,, ( 6 ) XXXX XXXX XXXX
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger
Consumer complaint received 2019-04-28
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. (PA)

There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing on my credit report
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing on my credit report
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about XXXX, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.
Consumer complaint received 2019-04-28
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. (MO)

I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX  XXXX {$130.00}
Consumer complaint received 2019-04-28
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: AES/PHEAA (GA)

I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about PHEAA, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX For XX/XX/XXXX XXXX XXXX XXXX   does not report credit card account number : XXXX XXXX XXXX XXXX does not show on my Experian report My other Account number XXXX XXXX XXXX XXXX shows same name same information. Experian does not show account # XXXX and has not explain to why this account does not show. Experian has not legally justified to how an account I have had for several years does not show but the account shows on the other 2 credit bureaus. Both statements are new for the month of XXXX. I have also talk to an attorney that deals with suing credit bureaus for errors. This error has been going on for past 7 months by Experian. XX/XX/2019 Experian replied back to XXXX XXXX XXXX Card to a dispute I did not have nothing to do with the account. The dispute was on Experian to why my account had not been updated as stated in my complaint to the consumer financial protection bureau. Experian deleted the account I did not request the account be deleted. Experian needs to provide documentation on me requesting and a signature of my request to deleted. On XX/XX/2019 My other account shows the same information on it as XXXX XXXX XXXX XXXX account ending in XXXX so why it shows and XXXX does not show. XXXX XXXX XXXX Card has sent the information to Experian I have also talk to an attorney regarding the situation. If the matter is not cleared up I'm turning it over to him for legal issues and any other damages as told to me by my attorney if the issue cant be resolved. One account shows with same name same address but Experian acts it the account was requested to be deleted by me. Please stop with the words and lies of something I did not say or sign. Experian has yet to provide any legal documents to the issue on hand with account ending in XXXX.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (CA)

There is a XXXX  XXXX account on my credit report which shows being paid in full but 150 days in delinquency. I have never made a late payment on this account. The balance was last updated in XXXX of 2013. For the last 6 years this inaccurate payment history has been hurting my credit score.
Consumer complaint received 2019-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

On XX/XX/XXXX, I became aware of an issue with my bank accounts and online banking access. I attempted to log into my online banking and was told that my password was incorrect, despite knowing it was correct. I then found out that my password had been changed without my knowledge. I attempted to reset my password using my ssn and last 6 digits of my card number and was told the information entered does not match our records. I called Bank of America to figure out what was going on and was told that my accounts, online access, and debit card were locked due to suspected fraudulent activity. I later learned that someone apparently attempted to cash 2 fraudulent checks on my account. And that was the reason the accounts were locked. I submitted a claim over the phone for this unauthorized activity and was told they will conduct an investigation. But I have concerns due to the fact I was told it could take up to 60 business days to complete the investigation. Although, I was told it usually doesn't take that long. But during this time I won't have access to any of my accounts. I also have not heard anything since the claim was initially submitted. Bank of America is the primary place I do my banking and I have been a loyal customer for about 3 years. Not being able to use these services for an extended period of time poses a major inconvenience for me. And I would greatly appreciate a faster resolution to this issue than possibly taking up to 60 days to minimize the inconvenience it causes. I should also note that I suspect there may be fraudulent charges on my debit card as well based on my communications but haven't been able to confirm this yet since I can't get into my online banking. And I plan to call tomorrow to see if I can get more info on my recent debit card transactions.
Consumer complaint received 2019-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

This refers to the attached billing account statement received fron XXXX XXXX XXXX XXXX XXXX XXXX for my two semester of education. The total cost of Tuition and Educational Fees was {$7600.00} ( {$3800.00} x 2 semesters ). I received TAP awards totaling {$1000.00} for the two semesters, Based on above, it shows that the school was entitled to receive a loan of {$6600.00} from my lender ( Sallie Mae ) for the total cost of my education. 
However, Salie Mae and/Navient, the Lender and Servicer of these Loans have been collecting repayments since XXXX based on the amounts of Loans totaling {$17000.00} which my school received in XX/XX/XXXX and XXXX XXXX. There are issues of Overpayments/Overawards to be resolved. There is no account for the total amount collected from me by SalliMae before transfering my loans to Navient on XX/XX/XXXX. From XX/XX/XXXX to date, Navient has collected {$35000.00} from me and continue to ask for a payoff of {$34.00}, XXXX. I have never received any portion of overpayments returned to me or deducted from original loans by the school and the lender.. Please help.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

XXXX credit bureau lists a Bankruptcy on my credit report. XXXX stated on my credit report that LexisNexis ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. XXXX  or LexisNexis will not remove the account because the bankruptcy court hasnt verified the information.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I was hospitalized on XX/XX/2018 to XX/XX/2018. When I was released from the hospital I discovered that my debit card was used without my knowledge or authorization. I contacted Wells Fargo and filed a dispute about the charges. 

I provided them two different letters from my Doctor about this time period. Wells Fargo has stated that they know I was in the hospital and yet because someone used by card with the pin number that I must have given them permission to use my card. 

At no time during this time frame did I ask anyone to use my card or authorize anyone to use my card during this period I tried to explain this to Wells Fargo but they refuse to listen to me. 

During the time I have been dealing with Wells Fargo they have told me that my dispute is from {$4000.00} to as high as {$8000.00}
Consumer complaint received 2024-03-01
Product: Credit reporting 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. (DE)

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 is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NH)

On XX/XX/XXXX, I paid off an account with XXXX XXXX   through their collections agency XXXX XXXX XXXX, XXXX in the amount of {$250.00}. On multiple occasions for the last 7-8 months I have attempted contacting XXXX XXXX and have submitted multiple disputes through all three major credit bureaus to have my account updated properly to note that the account was in fact paid. On XX/XX/XXXX a complaint was submitted through CFPB for this exact issue and on XX/XX/XXXX a response from the company specifically XXXX XXXX advising that the account would be updated for any errors. As of today XX/XX/XXXX the account still has yet to reflect being PAID. This causes many issues with potential future loans as other creditors see the XXXX XXXX account as an unpaid charge off which is in accurate. It is absolutely absurd to go through this much effort to have one single word added to an account. The next step I make will be with a Collections Attorney if this issue is not fixed and my account is not ACCURATELY updated. I left feedback on the previous dispute as well.
Consumer complaint received 2023-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors (MI)

NATIONAL BUSINESS FACTOR  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX Nevada XXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. Especially when XXXX has already removed some reports with regards to alleged debts to XXXX Nevada XXXX XXXX. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Consumer complaint received 2023-07-27
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. (CA)

I am filing this complaint because XXXX, XXXX, & Transunion has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information that can not be verified ''. Please resolve this matter as soon as possible. 
Thank you.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-07-28
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: CITIBANK, N.A. (TX)

My credit reports have two new accounts open that are not mine. My Social Security number has been compromised. CBNA Bank and XXXX are not mine. Please help. I do have a freeze put on my credit reports.
Consumer complaint received 2019-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX someone changed our email address linked to our chase account. I didnt do this nor did my husband. I called chase right away and told them we didnt do this. The woman I spoke with changed the email back to mine and assured me everything would be fine but keep an eye on the account just in case. Later that night there was a card replacement charge on my account for {$5.00}. I didnt notice this fee until XX/XX/XXXX. Someone withdrew {$1500.00}, {$1400.00} from our checking account and {$1000.00} from our savings from an atm in XXXX XXXX. We reside in XXXX XXXX, XXXX. We have not been to XXXX XXXX in over 20 years. I called chase the moment I saw this and started a claim. It is now XX/XX/XXXX, over a month later and we still do not have our money. They did give us back the {$1000.00} to our savings. They refunded us the {$1500.00} and {$1400.00} but then took it away again just 2 days ago, saying our claim was denied. We keep getting told the same thing. That it was our card used with the chip in XXXX XXXX. I sent them documentation from my work that I was in fact in XXXX XXXX, XXXX at the time this occurred. I just dont know what to do at this point.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I bank with Fifth Third and have over {$10000.00} in cash in the account. I also have a credit card of {$8500.00} which I obtained last XX/XX/2019. 
I have never missed a payment and paid off the card! I have stellar credit. This is by far the worst bank. Incompetent. Six weeks to pay a balance transfer and they take no responsibility for there incompetence. Horrible. I could not even make a {$40.00} purchase and I have over {$100000.00} in credit! I am closing my bank account and I can not even get my cash out of my own bank account due to bank being closed. There customer service is horrible. Overseas people that can not speak English! No response by executives XXXX XXXX or XXXX XXXX as to explain why my credit line was reduced by no fault of my own!!!! This is incompetent and unprofessional!
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$7000.00}