davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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: ENCORE CAPITAL GROUP INC. (MS)

I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.
Consumer complaint received 2018-05-14
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. (TX)

The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.
Consumer complaint received 2021-09-23
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. (GA)

On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX  ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.
Consumer complaint received 2019-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

XXXX and Equifax are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and XXXX and Equifax they have not taken care of the issue even after I submitted the notice I received back in 2016 on my student loan forbearance. From XXXX 2016 until XXXX  2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both XXXX and Equifax. Credit report still shows no update to this problem.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

A garnishment was presented to my credit union for a judgment against my wife, whose sole source of income is social security XXXX, which is protected from garnishment. Since it is a joint account, they took my savings. I contacted the law firm and explained this to them but they stated that they intended to collect the debt even though they know that its not her money.
Consumer complaint received 2019-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

Sallie Mae had the original loan for under {$20000.00}. Since being with Navient, there has been so many issues, from they had no record of previous payment, to check online about where your payments are going, to dealing with the rate reduction program. I have been dealing with the rate reduction am for 3 years, have made my payment on time, and most of my paymets go to interest. I owe them {$40000.00} now due to interest they have charged me. So for 3 years the amount I owe is still {$40000.00}, doesn't anyone besides me think this is wrong? How is this possible? I need help and have attached my info from Navient. I have also signed up again for rate reduction, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been doing this rate reduction for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous
Consumer complaint received 2019-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

On XX/XX/2019 I noticed my loan payment had not been taken from my checking account. I am on what they call a reduced rate program and they auto debit my account each month. I checked to see that my account was overdue and called to find out why the money had not been taken. I was told my program ended and I was responsible for the full payment amount. 

I had not been provided correspondence of the end of my payment program. I was told that information was available on my monthly statements. When I rechecked my statement there was no information about the end of my program date.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion allowed XXXX XXXX XXXX to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to Transunion and XXXX XXXX XXXX stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from Transunion stating the reporting of this debt was verified as accurate. I also received several random bills from XXXX XXXX with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since Transunion has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to Transunion and to XXXX XXXX on XX/XX/2019.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

on XX/XX/XXXX i wired XXXX from chase to Merrill lynch and is has been missing ever since. My bank XX/XX/XXXX has tried to do a wire cancel and they say Merril lynch is not responding. I have been on the phone with Merril lynch multiple times and no one can give me any answers. I'm very concerned. I didn't attach my account number to the wire so the wire went into their general account. I still would think if given the treasury reference number and federal ref tracking number they should be able to find it.
Consumer complaint received 2021-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

HELOC was erroneously written off by XXXX XXXX in the middle of a refinance in 2017. Since then, I have been attempting to rectify this situation, including restoring my credit that they have ruined. Please see attached description and documentation.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (NY)

I sent written request on XX/XX/2022 asking EXPERIAN to do verification on my credit report and they did, EXPERIAN stated everything was accurate and I did a thorough research myself and found improper inaccuracies on credit report even after EXPERIAN did the thorough research. 

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

15U.S.C 1681 section 602 A States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Multiple improper inaccuracies found on the following account XXXX Account # XXXX.
Consumer complaint received 2019-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax, XXXX, and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

Re : Formal Compliant Against Nelnet, XXXX, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor Nelnet, and the three credit bureaus XXXX, XXXX and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. Nelnet was sent a certified letter on XXXX, and it was received on XX/XX/XXXX and signed by a Nelnet employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX and delivered on XX/XX/XXXX and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I cancelled my debit card and ordered a new one. I received a temporary card and was told by the branch professional that once I activated the permanent card, the temporary card would no longer be in use. Well ... ..I activated the permanent card and left the temp card on my desk at home. My cousin called me inquiring about how my daughter had money and told me the color of the card she was using which I immediately knew was the temp card. I immediately called BOA and disputed the charges. They would not file the claim UNTIL i filed a police report on my XXXX year old daughter! After contemplating with that decision, I filed the report with XXXX County and filed the complaint. The only info they requested from me was the police report number. Never heard anything until last week when I receive a letter stating the credit was being reversed! 3 months later! Are you serious? I called and spoke with a rep who said was reopening the claim. She never asked me to provide additional documentation and also stated the temp credit would NOT be removed. Well it HAS. I called today and got a totally different spill or run downas with any time I call BOA. They appear to always run from responsibility. There is little communication. I wasnt expected my claim to be denied, being that I had to file a police report against my daughter, let alone the credit to be reversed when I was told it was not! BOA claims department is the WORST! Unethical and unprofessional!
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: EQUIFAX, INC. (AZ)

The consumer agencies XXXX, and Equifax are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. XXXX and Equifax are tarnishing my reputation and character with these inaccuracies and their negligence.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I filed a complaint about TD bank swindling me out of a sign up bonus. I have tried repeatedly to close my account with them and culminate my business dealings with these crooks so they cant XXXX me again. The teller at the bank assured me she would close my account and I had nothing further to do. Im convinced they are trying to keep my account open until the monthly closing period so that they can not only collect an interest free loan from me using fraud, but now collect fees and come out doubly ahead through fraud. Please put an end to this civil fraud.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2017-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

My husband tried to wire {$4000.00} to his ailing parents in XXXX. He went to the branch of Santander Bank on XXXX XXXX in the XXXX XXXX of XXXX ( zip code XXXX ). The bank record showed that on XXXX XXXX, {$4000.00} as well as {$40.00} wire transfer fee were taken out of our checking account. On XXXX XXXX, I received a message from the branch manager saying that there was a problem. I talked to the manager who told me there was a discrepancy for the receiving account ( name and account number did not match ). I told her that I did not have the relevant information to help her and my husband was out of town but he would be back Monday. My husband went to see the manager on Monday and together with the branch manager they figured out the typo. He told me everything was all set. On XXXX XXXX, I found XXXX entries on my account : " incoming wire transfer ER '' for {$3900.00} and " incoming wire transfer fee '' of {$13.00} dated XXXX XXXX. So my husband 's wire transfer did not go through but we were charged a total of {$93.00} in fees ( for nothing ). This is outrageous. An outright highway robbery. Today, my husband went to see the branch manager who only agreed to refund {$13.00} for the incoming wire transfer fee. We will still be out {$80.00}. I do not know how wire transfer works but common sense tells me this is just not right, if not out right fraudulent.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XX/XX/XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports
Consumer complaint received 2022-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

Im enrolled in the public service loan forgiveness program ( which means that I'm also enrolled in an income driven repayment plan ). I have it to where payments are taken out every month. I noticed they didn't take out payments the last two months. When I called and asked them why, they told me than when I enrolled in classes at XXXX XXXX required for my teaching certification ) that my account automatically went in to forbearance. That was the standard operating procedure, even though I paid cash for my classes. They said I should have submitted a deferment waiver. NOBODY told me that and because of the forbearance, my interest was capitalized, making the total amount for my loans increase {$2000.00} within just two months. This is unethical. I looked through all my fedloan paperwork about PSLF and IBR and they don't mention this anywhere.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Could you please check the documents to confirm whether FCRA 605B mandates the removal of any inaccurate accounts from my credit report? It's concerning me, as some of the listed accounts seem to be incorrect.
Consumer complaint received 2023-02-10
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. (IN)

I reviewed my consumer reports and noticed that I had a late payment 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 Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Consumer complaint received 2024-03-05
Product: Credit reporting 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-05
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. (CA)

To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.