davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-01
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. (GA)

In XX/XX/XXXX, I disputed late payments that were reporting on a closed account ( XXXX XXXX ) on my credit report. The account has been paid and closed since XX/XX/XXXX, however, I did not realize there were late payments reporting at the time. In XX/XX/XXXX, the dispute result was " verified by the account lender/meets FCRA Guidelines. The account " status '' also changed from " Paid as Agreed '' to " Past due 60-90 days '' ; mind you, the account has been closed since XX/XX/XXXX? 
I filed a CFPB complaint against XXXX XXXX XXXX and the response stated that the credit bureaus had NEVER contacted them regarding my dispute since XX/XX/XXXX and that they did not report any delinquent status. Therefore, I am escalating my dispute to the CFPB for further review of this account. I believe this account status was fraudulently changed and has negatively impacted my credit score.
Consumer complaint received 2022-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Have 4 accounts with incorrect payment status. XXXX has already corrected, and XXXX shows a processing status. Submitted disputes and followed up 4 times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX ). The online dispute system shows a confirmation upon submission, but disappears the next day. Contacted Dispute Center over phone and they confirmed they do not see a dispute submitted. Nor can they accept supporting documents for stated dispute. And I can not add them after they accept the dispute over the phone, as once they associate submits the dispute, it is locked. Their dispute system is effectively broken for anyone with supporting documentation, which should actual help the dispute.
Consumer complaint received 2018-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I went to the school back in XX/XX/XXXX and graduated in XX/XX/XXXX with a loan of {$40000.00}. The school has closed and I didnt even receive my diploma and have no way to receive it. Due to the closer of the schools ; because of fraud!! And now Im obligated to repay this loan??
Consumer complaint received 2018-04-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HOVG, LLC (GA)

Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. 


The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION (NJ)

XXXX sent {$350000.00} wire to BB & T Bank in XXXX for recipient account, XXXX XXXX XXXX Fed Reference : XXXX Case ID : XXXX XXXX recalled the wire XXXX follow-up on recall XXXX follow-up on recall for the last month or so, different people at BB & T Bank keep telling my contact in XXXX that they will return the {$350000.00} to my account at XXXX XXXX XXXX, but it just does not happen
Consumer complaint received 2018-07-31
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: EQUIFAX, INC. (FL)

I did NOT authorize these inquiries, these companies DID NOT have a permissable purpose, and I DID NOT sign any applications, I have also ADDED a fraud alert to my credit reports! 

XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XXXX  XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XX/XX/2018,
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (NV)

XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (FL)

I sent documentation and letter stating the amount owed on this account and was told I was owed {$76.00} for Acct # XXXX. 

I sent a letter on XX/XX/2021 and XX/XX/2021 to this debt collector request a dispute and documentation that I have signed to prove that i owe this debt. They stated that they had proof that i signed the documentation but never provided with a sign documentation that i owed that debt. 

I requested proof of the authenticity of this account. They stated that they were debt collector and had proof. In addition, I sent a HIPPA letter and stated numerous times for proof of debt from the original debt collector.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NC)

hi, I have paid locker rent for 1 year due to my job transfer I moved from XXXX, XXXX to XXXX XXXX during that time I requested prorated amount to be calculated for my locker rent. Before opening the locker they mentioned that locker rent will be calculated based on the usage/prorated. My locker : XXXX for the year XXXX XX/XX/XXXX. 
I closed the locker around XXXX or XXXX of XX/XX/XXXX. I called the US bank XXXX XXXX XXXX but no reply or update properly. 
I have written 2 letters to US bank XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXX but no response. I paid XXXX dollars rent for XXXX safebox used for 2 months so if we calculate I should get approx. : XXXX dollars. Please look into it and issue the credit of XXXX dollars with interest. 
Attached the safe-deposit locker rent copy. 

Thanks XXXX XXXX XXXX ph : XXXX
Consumer complaint received 2022-01-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
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. (TX)

I disputed an unpaid debt amount that was reported by a creditor to Transunion and sought debt validation from the creditor. Transunion failed to provide any debt validation. However Transunion did not remove the account from my credit history within the 30 days term and refused to remove the debt account. The debt charge is below : AD XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX Transunion..why are you not following the FCRA policy? Please let me know. Thanks.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Fleet Financial, Inc. (SC)

I was advised upon refinancing my loan that it would look better if I took on an extended new car warranty. I was advised that it would look better and this would determine if the new company would provide the loan or not.-Per XXXX XXXX XXXX that is not true. I explained to the agent that my car is brand new and has an excellent warranty from XXXX, my car has low miles. I contacted the Credit Union with whom I was placed with and was advised that my loan determination was not contingent upon GAP insurance or an Extra Warranty. On XX/XX/XXXX and XX/XX/XXXX I sent an email to XXXX XXXX to advise him to remove it and he never responded, I called on XX/XX/XXXX advised Mr. XXXX that I needed them removed he told me that I would have to pay a {$200.00} down payment to have the GAP   removed. He advised me that I " refused '' to pay the down payment in the beginning. In the beginning XXXX was checking with the credit union I was advised that I may or may NOT have a down payment. I received the forms, sent them back and then I was told that I would after the fact. By this time that money was spent. That was not a refusal but poor communication on the agent 's part. I explained to XXXX that he never got back with me on the down payment that I did not have a problem paying but after he did NOT communicate it further. XXXX XXXX XXXX covered the entire loan my question is why would I be asked for {$200.00}?. The information I received from I Lending opposed to The actual place who gave me the loan is conflicting, from the suggested requirement of having GAP, Extended Warranties ( my car is a XXXX has a new car warrenty ) to get financed as well as a down payment which seems more like a fee from I Lending and not the credit union. At this point no one has called me back to resolve the matter, I know my rights and want the GAP and Extended Warranty removed ( as I was advised to do by the credit union ).

Also I referred someone to ilending ( before my issues ) company and he used my name to get a referral I was told by XXXX XXXX that I would not be eligible because the party did not use him specifically. Well on the website is says if your refer someone to " US '', us meaning a collective group not an individual. 
Also, I was given this great speech about skipping a payment, I was not told about the fee of {$60.00} that is added to my loan for that. In the end I just ask that they remove GAP and the Extended Warranty- I have enough insurance and don't need to pay for something twice. 

Please contact me XXXX Thank you
Consumer complaint received 2022-01-19
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. (NY)

In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX acct # XXXX, Equifax Acct # XXXX, XXXX Acct # 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-19
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: Resurgent Capital Services L.P. (IL)

There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to LVNV Funding ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to LVNV Funding ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. LVNV Funding is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to LVNV Funding and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that LVNV Funding shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Consumer complaint received 2018-07-31
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)

As of XX/XX/2018, EQUIFAX is SOMEHOW keeping a FRAUDULENT address on my credit report, None of the other CREDIT REPORING AGENCIES, XXXX OR XXXX have this address on my reports as you will see with the ATTACHED PDF DOCUMENT. I am DEMANDING that they PERMANENTLY REMOVE this FRAUDULENT address from MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Again, the above is an ADDRESS I never lived! & needs to be PERMANENTLY DELETED!
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX  amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX  Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (MD)

I have recently obtained a copy of my credit report and discovered inaccurate information that I did not authorize. It has been over 30 days and I have yet to receive a response from the Credit Bureau.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

This all started on XX/XX/XXXX, for planning on purchasing a new vehicle, so I wanted to check my credit report, and scores of all 3 credit bureaus, so I went on the website of XXXX.To check my information thru website, they charge {$1.00} for 7 days, then cancel, so I cancelled on the 4th day of subscription period. So then I checked my credit card and the charge for a {$1.00}, and {$29.00}, were on my statement. On XX/XX/XXXX, I called Experian about my charge on my Credit Card for {$29.00}, regarding Free Credit Monitoring. So I had to wait for over an hour before, I could speak with someone, so I hung up after 30 minutes. Then I called again on XX/XX/XXXX, about the same thing, after over 2 hours and nobody still no answers, I hung up. So then I called my Credit Company, and they told me to send a letter to the dispute area, saying that I didn't authorize that charge for {$29.00}, so I mailed a letter on XX/XX/XXXX. I still haven't heard back from them regarding the dispute letter, so I planned on checking later today. So during both those times, the automated service asked if I would like to cancel my membership, and I did both times. So I got mad that they charged me the {$29.00}, and don't even do any free monitoring on my account. Except, XXXX XXXX notified me about the dealer checking, along with other banks that checked my reports on all 3 bureaus. So, as of right now, I have sent a dispute letter to my Credit Card company, to refund the charge back to my account ASAP, for unauthorized charge. This isn't the first time, Experian has done this to me. I have seen they are having a settlement against them for this exact thing to other people. I'm also wanting a free copy of my Experian report and score, due to purchasing a vehicle, and being denied credit on a purchase previously before all this happened. FREE REPORT BY EXPERIAN, WITH SCORE AND REPORT.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (WA)

My mortgage was purchased by PNC Bank. I tried to pay extra money directly to the principal of my mortgage. I wasnt able to pay without a checking account with the bank or process which required extra fees. When I contacted the bank they told me to mail in a check. What kind of national bank does not have the option to electronically pay?
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a voicemail from unknown number stated they were going to serve me papers and if I wasnt home to get served that would be Me admitting the debt owed. 
I returned their phone call XXXX with reference number XXXX. Spoke to XXXX XXXX- he knew the last 4 of my social. My previous address and current address. He said I owed Huntington Bank {$980.00} in overdraft. I stated I havent had Huntington this is fraud. He said when I am served the papers that it will tell me how to dispute. 
I was never served time and day he said they would be there. 
I called him back like Im concerned because I know its Fraud and I wanted details of fraud. Why was I never contacted in mail and now its going to court. 
He said he was XXXX XXXX department and the collection agency wouldnt have my current address. 
He lost his temper really fast when I tried to get documents on this debt. 
He yelled at me and said Do I need to spell this out for you and when I said Yes. 
He Yelled good luck in Court and hung up. 
I contacted my local Court and there are no pending papers to serve me and no documentation of this civil suit or debt.