davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with XXXX Equifax and XXXX and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau uses which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.
Consumer complaint received 2019-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (TX)

Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please
Consumer complaint received 2022-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Bank has giving me unreasonable opt out means and is furnishing my nonpublic information to non affiliates. I am exercising my right to OPT-OUT of capital one sharing my information and directing them to cease the furnishing of my information to the all consumer reporting agency, pursuant to Title 12 Chapter X section 1016.7 ( h ) of regulation P. Per section 1016.7 ( g ) or regulation P, capital one must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 5 business days is reasonable and practicable.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WA)

On the XXXX A couple of hours prior to my paycheck deposited I received notice from Chime services, the bank I bank with online, saying that they closed my accounts for not being in compliance. They sent me a link to look at all the compliance rules and regulations and the only one I can think that it would be referring to is a secure credit card that I opened up maybe a year after my checking account. Basically about six months ago I ordered all new cards. A secured credit card and my debit card and none of them came in the mail. After contacting them and telling them it never came where is it and then moving out of my unit I finally got someone to look deeper into it and she said the order never went completely through and I would have to wait another week. I updated my information with them prior to moving but about a week later when my debit card did come it was only my debit card and not my secure the secured credit card was never reissued. So because I never got it I stopped having my paychecks put on a card I didnt have in my hand. Mostly whats really frustrating with this situation is that now that Im no longer considered a chime customer I am unable to speak to anybody in regards to any of this. I had called the customer service number and it says they found my account under my phone number and its close and I can send them an email and I only get back a computer generated response. And all that says is it close my account compliance with my secured credit card I dont that I never received it and thats all it says sorry for this inconvenience. They have my entire week of pay and this computer generated message says they have up to XXXX turn my money I cant go that long without my paycheck my rents due and now Ill get late fees at XXXX a day till I pay it.. I dont understand how they can all three of my accounts are not using my secure credit card this is messed up so much right now I cant even put it into words. I feel robbed and They should be required to consider all customers to still be a customers even after an account is closed for at least 30 days so theyre can be communication. Specially when money is involved
Consumer complaint received 2019-08-05
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. (LA)

On XXXX I requested that Experian investigate the XXXX XXXX XXXX Account ( account XXXX ) that is reporting as a collection on my credit report. According to the report I received in the mail from Experian the account was last updated XX/XX/XXXX. This means that Experian has never conducted an investigation when I requested it on XX/XX/XXXX. 
This is a violation of the FCRA.
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America basically too $ XXXX to pay a business credit card from my account. They took $ XXXX for a business card my business defaulted on early 2019 from my personal account. They will not fix the credit report will not refund the money. The card was a card for my business is it legal for you to take money from my personal account for a business debt? During a pandemic. The work part is the bank will not even update my credit report accurately. I tried to talk to them, dispute the issue and they are just bullys
Consumer complaint received 2022-03-26
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. (NC)

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

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.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (DE)

I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit report.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (VA)

I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
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Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
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I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
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Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.
Consumer complaint received 2023-03-07
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANKMOBILE TECHNOLOGIES, INC (UT)

On XX/XX/2023 XXXX  bank stole {$3000.00} of my money and refused to return it the same day. They automatically debited my account 3 separate times. The first one was authorized but the next 2 were stolen. This is a crime and they need to be prosecuted for it. I am reaching out to you first.
Consumer complaint received 2022-03-26
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. (FL)

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX BANK XXXX Date of inquiry. XX/XX/XXXX XXXX  CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have already contacted bank of America and told them this overdrawn amount in the checking account of : XXXX is fraudulent. My wallet was stolen and someone deposit and withdrew money from my account. I called bank of america and they have yet to resolve this issue
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Companies have already reported to IRS that Taxpayer received a gain from previous debt written off. The companies such as USAA # XXXX {$10000.00} XXXX XXXX XXXX # XXXX {$17000.00} XXXX # XXXX {$1800.00} have been reporting unpaid balance since XXXX after Consumer notified each Company by letter of Insolvency and XXXX XXXX XXXX would be handling all payments based on Consumer hiring XXXX to handle all debts directly with Creditors. 
Customer sent letters several times to each of these Creditors explaining the circumstances and that there's no longer any valid contract and the debt amounts are not correct and some turned over to Third Party Debt Collection Agency ; even after Consumer notified each Creditor that due to enrollment into Debt Collection Program ; each decided to keep on reporting negative information and showing an unpaid balance ; even after writing the debt off and reporting it as a gain for the Consumer on his 1040! 
These Creditors were written in XXXX along with sending each Credit Bureau a letter explaining that the debts were not mine and were no longer owed, balances incorrect, sold to Third Parties Debt Collectors ; contract not valid or with current signature and date! 
The continued reporting of these so called debts must be deleted from all my Credit Reports due to the fact each Creditor wrote the debt off! Also it has been over 4 years since each Creditor was notified to remove and delete the negative statements and unpaid amounts! Since Customer did notify them in XX/XX/XXXX of being enrolled with XXXX XXXX XXXX why are these Creditors still allowed to report negative information when Creditor provided reasonable documentation and payment plan from XXXX back in XXXX? 
These Creditors must remove and delete all information regarding unpaid balance because Consumer does not owe any balance nor is making any monthly payments! 
Please delete these accounts because they serve no purpose but reporting negative information which is not accurate! 
This information regarding a list of liabilities was on application for refinance of mortgage XX/XX/XXXX with XXXX XXXX I've already sent documents in the past regarding same subject matter with negative results because the Creditors are still being allowed to report inaccurate information which must be deleted entirely from all my Credit Reports!
Consumer complaint received 2021-06-14
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. (NY)

3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-03-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (MD)

Aidvantage has taken over my student loan debt from Navient. To date, I have paid over {$220000.00} and had a remaining balance of {$49000.00} in federal student loans. Since the student loan relief due to covid crisis, loan payments and interest have been paused for these federal loan. I recently checked my balance and see that as of XXXX of this year, Aidvantage adjusted my bill by {$80000.00} bringing my total loan balance to over {$120000.00}. There was no explanation or notification as to why, much less is there any justification. I have contacted the company on their portal and via phone about this faulty information that they have added to my account but to date I have received no reply.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (SC)

Receivables Management Corporation, This third party collection agency has attempted to collect a medical debt from me. They have sent me an itemized statement with all medical procedures done which is in violation of Hippa. I did not authorize Receivables Management Corporation to have access to my medical records which is in violation of my privacy rights. 
List date : XX/XX/20 Amount : {$1000.00}
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Navient has been continuously calling me on my cell phone regarding my loans using a robotic voicemail. I have received an extreme amount of calls. I am having difficulty repaying my loans, and tried to solve this with the company, but was denied. They even call from different numbers, coming up as different states. These calls come in after business hours as well, and do include Saturdays.   XXXX  Just to list a few of the calls and times -  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 , and  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I purchased a washer/dryer set from XXXX XXXX XXXX XXXX California XXXX The amount was {$1700.00}. I charged the total amount on my Home Depot credit card. 

The items were to be delivered and installed on XX/XX/XXXX. On XX/XX/XXXX at XXXX pm I received an email from XXXX XXXX stating that my items would be delivered on XX/XX/XXXX between XXXX am - XXXX am. 

The items were never delivered on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke with both the acting store manager and my salesman who provided this information : The vendor stated that the items were shipped however per XXXX XXXX warehouse personnel, the items never arrived at the warehouse. 

As of today XX/XX/XXXX I have spoken with my salesman twice and four different XXXX XXXX managers. 

Today, XX/XX/XXXX, the acting XXXX XXXX manager told me that even though the items were never delivered to me ie missing, she could not refund my money because the items were never received in the warehouse. I told her to order another set and cancel the first set. She said she could order another set but I would have to pay an additional {$1700.00}. I declined that ridiculous offer. 

After speaking with the acting manager today I called Home Depot credit card services and spoke with XXXX. I explained the situation and told him I wanted to dispute the charges since I have never received the merchandise even though I incurred a charge of {$1700.00}. 

XXXX gave me the following information : 1. The charges started billing on XX/XX/XXXX 2. He can not remove, stop, or put a hold on the charges 3. He can not contact the store 4. I have to work directly with the store This is a violation of trust. I now have a charge of {$1700.00} and nothing to show for it. 

I thank you in advance for your assistance.