davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
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: Experian Information Solutions Inc. (FL)

I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... .XXXX XXXX XXXX 4.XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Consumer complaint received 2018-02-19
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 '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... XXXX XXXXXXXX XXXXs 4.XXXX XXXX  .... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WV)

I have had XXXX as a loan servicer for years. I work for the US Senate and my loans are now eligible for forgiveness. I started the process in XXXX. I was told it would take 90 for XXXX to transfer my loans to FedLoan for servicing and the transfer is still not complete. XXXX  has now turned their servicing over to XXXX which told me today the problem is on FedLoans side of the process. I keep getting the run around from FedLoans. Its not been over four months and Ive been on hold with FedLoans for two hours. Horrible customer service and an automated system that does not work. How have they not fixed this yet?
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IA)

XX/XX/XXXX, a false report showed up on my account under the company name of " Syncb ''. The details included in said claim falsely reported that I had a credit card open with this " bank ''. I've never opened a credit card account with any bank, so as one would assume, this came as a shock to me. I did some research on this company. Coming to find out that I've not been the only person to have this issue with the same company party reporting false claims on the credit reports of other people. On XX/XX/XXXX, I finally contacted the CFPB by telephone and left my contact information with them after explaining that I'm looking to have the claim removed. I then took the initiative to file my complaint online, after it being explained to me as the quickest way to have the claim disputed.
Consumer complaint received 2021-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have contacted Navient repeatedly to provide me with updated documentation that my accounts are reported accurately, which I am disputing and they have failed numerous times to provide me with any documentation as to my repayment history. This is in direct violation of the FCRA, and has resulted in them reporting late payments on numerous accounts. I can not make payments on time if I do not have the information available to do so.
Consumer complaint received 2020-01-28
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. (MI)

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX  {$570.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

According to the FCRA, when a consumer disputes information and provides evidence proving the inaccuracy, the furnisher has certain obligations. The furnisher must conduct a reasonable investigation into the disputed information [ 1 ]. This investigation involves reviewing all relevant information provided by the consumer with the dispute notice [ 1 ]. The furnisher is also required to complete its investigation and report the results to you before the expiration of the specified time period [ 1 ]. If the investigation finds that the reported information is inaccurate, the furnisher must promptly notify the consumer reporting agency and provide any necessary corrections [ 2 ].

In my case, I have taken the necessary steps to address the fraudulent bankruptcy on my credit file by opting out of LexisNexis, and placing a security freeze, disputing the bankruptcy, and obtaining written confirmation from the court that they do not provide information to credit agencies or third parties [ 6 ]. According to the FCRA, the furnisher should have conducted a reasonable investigation into this dispute and taken appropriate action based on the evidence provided [ 1 ] [ 2 ]. It appears that the furnisher may not have fulfilled their obligations in this regard.

I understand the importance of accurate credit information and its impact on my financial well-being. I was recommended filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to escalate this matter.
Consumer complaint received 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TN)

XX/XX/year> Spoke to XXXX ID # XXXX Escalation Dept XXXX transferred to XXXX ID # XXXX Customer Resolution she stated the account is handled in a different dept. Transferred to Robe # XXXX Customer Resolution XXXX stated the final contract was received but the date didn't match the notary seal date & date contract is signed. The modification team didn't want to allow any more time to have the documents resigned. Requested a United States Representative spoke to XXXX ID # XXXX Customer Resolution advised they will allow documents to be signed again by the customer and the notary. Documents are to be emailed today before the end of the day. Documents were signed and emailed again today. Spoke with Customer Service XX/XX/year>, XXXXXXXX XXXX  to advise resigned final modification documents were signed by homeowners, notary signed stamped documents, documents were emailed. Original documents were sent XXXX XX/XX/year>, emailed tracking receipt. Customer Service inform me PHH closed final modification, and they would not offer another modification. Original documents were sent XXXX XX/XX/year>, emailed tracking receipt.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis (NC)

XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with US military orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.
Consumer complaint received 2019-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have been a customer with td for over 3 years and they are discriminating against my payee account. 

I have funds to cover a line of credit and they denied a XXXX loan even though i can cover the monthly payment sufficiently. 

XXXX XXXX XXXX has also denied a line even though they publish an offer on their site that when you open a XXXX account they will extend you a line of credit. 

They discriminate due to my credit score with the three major reporting agencys.

also the three major agencys falsify documentation on amounts owed to recieve higher returns.
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (WI)

No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX   is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.

Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX   XX/XX/XXXX, second dispute initiated. XXXX XXXX  wants late fees and interest which I find inappropriate due to lack of notification.

see enclosures ( 6 )
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

Starting in XXXX of XXXX, my now ex-boyfriend stopped paying on our XXXX XXXX credit card, when we broke up in XX/XX/XXXX he said that he was continuing to pay on the card ( he was not ) in XXXX of XXXX, I received a notice that he had filed bankruptcy and went to dig into the status of this account. 

That is when I discovered that it had not been paid on, as he was the primary account holder, XXXX XXXX/Citi Bank never made an attempt to contact me. 

Once I found out, got account access to the account I was able to make the burdensome payment of {$290.00} a month, since XXXX of XXXX. 

Despite that, I have made no progress on the balance. I am being charged a onerous and abusive interest rate of 26.49 %, on top of overlimit charges and late fees. 

Attempts to contact them to find a resolution have been useless, and so I have no choice but to file a complaint with the CFPB. 

This has caused me to be declined for other loans and financial resources that I otherwise would have qualified for, as my other obligations are met on time.
Consumer complaint received 2018-02-19
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. (TX)

I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT
Consumer complaint received 2022-05-01
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: Mcburberod Financial, Inc. d/b/a SeedFi (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (PA)

I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. 


Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. Thank you.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

Hello, I just got letter in the mail from Wells Fargo, its a home projects account, I just got the letter in the mail, I being charged TWICE, not only that that want another {$22.00} for installation fee plus {$76.00} late fee if Im not mistaken, That letter wasnt in the mail maybe a few days ago.normally they charge {$38.00} for a late fee. I admit I was a little late few times, I also paid it, last month I was charged a late fee, however I paid the late fee plus I paid them almost 3x the amount of what my monthly bill is last month just to stay ahead, I guess that didnt work in my favor. Ive been getting harrasing calls from them i keep getting them and I tell them to stop and they dont. Customer service reps werent much of a help. From my understanding they claiming I didnt pay them last month. I did pay them, this is not the first time this happened. Its effecting my credit score. They have suspended my online account, that makes it a little more difficult to pay them. Its stressing me out. They have done a lot people dirty.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received a prepaid credit card issued by Bank of America for an overpayment for services with XXXX XXXX. With the card was a notice that I could call and receive a check, which I did. I received the check in early XX/XX/XXXX the day before I left on a trip. I put the check away for safety and forgot about it until the XX/XX/2018. When I found the check it had a " void after 120 days '' on it and I was not able to get out to cash it so I called customer service to request a new check on # XX/XX/XXXX and was told that they would issue a stop pay and send a new check .I have been getting the same story 2 times a month and still no check .I called another customer service number to elevate my claim and was told yesterday that they received an e-mail stating that the original check had cleared the bank .I still have the check and Iverified the number with them and it is the same.
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Hello Southwest Credit Systems ; XXXX ; I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TN)

On a trip to XXXX on XX/XX/2019, I had an eight hour layover in XXXX. I used my credit card in a few places, however they were 12 ATM withdrawals that I did not do. 4 at one bank in 4 minutes on XX/XX/XXXX, and the other 8 at another location bank in 8 mins on XX/XX/XXXX. A transaction every 60 seconds. I actually left XXXX early evening in the XX/XX/XXXX. Initially the credit card company credited my account and told me it was a computer glitch, then they reversed it and put the charges back on my card. I have called them numerous times and tried to explain I was in XXXX when the withdrawals were done in the XX/XX/XXXX. I even used my card in XXXX. I was told by a supervisor that I could have given someone my card to use and then they brought it over to XXXX. Its absurd what I have gone through with Barclay. I have even called one of the Barclay banks in the XXXX where one of the ATM transaction was done but they told me Id have to go through my bank in in the US. I know the banks in the XXXX would have cameras so if someone did use the atm with a cloned card they could be identified. I just cant get a sensible person at Barclays to talk to. Our many conversations go round in circles with them telling me I probably gave my card to someone to use. I have been with Barclays for several years and Ive never missed a payment or had an issue, but they are just refusing to help me with this issue.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

Eastern Account System has not provided me with the information I requested. As a there party for them to ask for me to pay a debt that is not owed to them. I was sent a letter and i do not know anything about this collection. so i am asking that EAS provide me with the following information to validate this debt they say i owe them. per FCRA law i am entitled to a fair and accurate credit rereport. 15USC 1692g How did you verify this is accurate?

Please send mean any type of documentation that you had that show that you verified this is accurate How did they validate the accuracy of this account?

Who did you talk with, name of person?

What time and date did you talk with a sales person?

What is are did that provide proof this debt belong to me?

Provide the license of Eastern Account System.

Asking to seize all communication This company is violating my consumer right to privacy pursuant to 15 USC 1681 b2 company has also No Permission to report anything using my info 15USC1681 4
Consumer complaint received 2022-01-16
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Maximus Federal Services, Inc. (TX)

I was told by XXXX that my payments for student loans would be waived but they have not done so. It is destroying my credit. They have stated I owe XXXX. I do not have that by any means and I have placed it in forbearance numerous times. I was even incarcerated and they continued to call my wife over and over again. With the way the economy is setup I am asking that this please somehow be removed. Its hard enough out here as it is and this company uses improper tactics and Im trying to make a living the best way I can. Any help would be great. Please look into them for me.
Consumer complaint received 2022-01-15
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. (FL)

Incorrect address since XX/XX/2021 added to report not by me. Trans union has not fixed this in the last 30 days even after mailing in the information requested for the address to be corrected. Same issue happened to XXXX and XXXX with corrected outcome within the last 30 days completed.
Consumer complaint received 2018-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

I purchase a XXXX XXXX XXXX Wells Fargo put insurance through their back with out my authorization and they are calling me that I am delinquent on my car and is goin to get reposed I have made every payment on time since I got the car