davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Since obtaining fraud alerts on all three agencies and placing a freeze on Experian, I am unable to dispute inaccuracies on my report. I can not access my file online and have to hold for hours if I can get thru on the phone. I was able to finally request full verification of a bankruptcy listed on my report not to be done by automatic third party. I believe the information is incorrect and may have been a mixed file and in that case it needs to be removed. I have the same problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans.
Consumer complaint received 2020-11-16
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. (TX)

I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (DE)

Chase Bank regarding hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, theses are the dates they show up on my credit report as hard inquires, after talking with Chase several times and XXXX who is the only one reporting them again several times. After a month received a letter that went to credit reporting agencies to mask the hard inquiry : Then looked at my report and saw two more XX/XX/XXXX and XX/XX/XXXX Called Chase Bank they stated even if it fraud they still put the inquires through and notify the credit reporting system, XXXX says : they have to list it because even if your account may be fraud we still put a hard inquire on your account.
I do n't have nor have I ever asked Chase for a credit card or anything else.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Began full-time employment with an PSLF-eligible employer in XX/XX/XXXX. Applied for and was accepted for PSLF in XX/XX/XXXX. My two direct federal loans were transferred from XXXX to FedLoan servicing in XX/XX/XXXX. FedLoan is stating that my payments made from XXXX were all outside the payment window ( they were not ) and that all my payments from XXXX were not received in the payment window ( they were ). This is a total of 33 eligible, on time payments that are are not being considered qualifying for PSLF. I have documentation of these payments from Navient and submitted ECF forms for all these dates. 

I called FedLoan Servicing and requested a manual recount on XX/XX/XXXX, and no changes to my qualifying payments has been made.
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (GA)

I reached out to XXXX XXXX, Experian and XXXX  a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Consumer complaint received 2019-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I send disputed letters with ALL documents to BOA BOA accepted my disputed letters & All documents and said " not worry for your charges '' and I received part of my money back today I received denied letter from BOA I email to BOA CEO & Attorney General consumer in NY as well as call CFPB ( XXXX ) pls prevent this scam for All Students & help me to get money back Thank you
Consumer complaint received 2023-01-18
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

My issue with Navy Federal is all of the untruths I have been told by this Institution last month. I was involved in a XXXX investigation and I understand that it was careless of me to share my account info with a company that I thought was Legit. However, I made requests that were not honored. I was told things that were not true. Then when I called to ask for these untruths to be rectified and to speak with a Supervisor. The Supervisor was loud, over talked me, and proceeded to hang up on me! How unprofessional is that? So I have currently lost $ XXXX $ XXXX {$340.00} to this bank when I was told I wouldn't. I have yet to receive a phone call to talk to somebody with compassion. All they can tell me is that they are sorry but refuse to go back and listen to the phone calls and honor my request. Thats all I ask. Honor my request as the customer. Tell me what is going to happen up front. Not after the fact and continue to be rude and unprofessional. Im a customer who trusted this bank with all of my income.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Voss & Klein, LLC (TX)

Received numerous calls from an unknown number. I received several calls from other business owners I barely know who received harassment calls from Voss and Klein LLC. I expressed in writing and verbally to know call third party individuals about this unknown contract with their company. They would not mail me or fax me proof of their client or any information.

I felt threatened and unclear on how or why this company is reaching out to me. I am reaching out to a consumer attorney because I feel my business and life are in danger. I want this company to handle business professionally and apologize for its business practices.

I googled the company and several folks online are saying the same thing that this company Voss and Klein harasses you and does not provide proof.
Consumer complaint received 2019-06-03
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2020-07-19
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. (IL)

THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS
Consumer complaint received 2017-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Kenosian & Miele, LLP (CA)

Kenosian & Miele LLP has been harassing me and my mother for months now. They 're trying to collect on a fraudulent debt that I did n't create. I 've sent letters to this company explaining the situation and sent the necessary proof. They 're still calling me at work and my mother even after she told them to stop calling her. They said I would go to jail if I did n't pay this debt. I refuse to pay a debt that I did n't apply for, sign for, or create. This company should be fined {$1000.00} for each time they harassed me.
Consumer complaint received 2017-09-24
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)

Account was paid in full ; however, XXXX XXXXXXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Consumer complaint received 2020-11-16
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. (MS)

on XX/XX/2020, I mailed a letter requesting that inaccurate information listed on my credit report be verified. It has been over two months now and I still haven't received any results of an investigation and these inaccurate accounts are still showing on my credit report.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (OR)

I am attempting to pay off old charged-off debt and have been successful in either paying or receiving payoff information from the creditors. Most, if not all of the charged-off debt should be paid in full within the next upcoming weeks. 

There is one creditor however, DSNB/Macy 's , that shows a {$0.00} balance yet continues to report the account as charged-off. I understand that if I was not paying or attempting to pay but their credit services people tell me that the account shows NO BALANCE so they are unable to take payment, negotiate payment, etc. 

My dilemma is that other creditors, who are now paid-in-full, or will be paid-in-full would then be updating my credit reporting as PAID. My understanding is that these showing as PAID should remain on my credit report however there should be a positive effect to my FICO. The issue with Macy 's is, with no ability to pay them, their continued reporting, as if I have ignored them entirely, has no resolution. 

NOTE : The choice in your website wasn't an exact match, so the choice of " from bankrupcy '' is not an exact match. This is an earnest attempt to clean up and improve my credit reporting history. 

MY Request : either allow me to paid this off is a satisfactory way or show as paid or other status that doesn't continue to hurt me. 

I will provide what documentation I do have from the XXXX credit report. 

Thank you for your consideration. -- XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (FL)

Im 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 U.S.C 1681. 
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 XXXXXXXX 15 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated 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 reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
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. (OH)

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 XXXXXXXX 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 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 2020-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

My loan is years old, i have been making payments on auto draft yet my loan servicer does not have information on their accounting system that reflects auto pay. However, even with auto pay, I am being charged late fees of close to XXXX  dollars every month. j their accounting system should be audited. I have attempted to pay the outstanding fees ( even though they are fraudulent against my account ) but somehow I keep getting fee 's added to my account, monthly. 

This loan has spanned a 20 plus year payment and yet I keep getting fees charged to my account. I want whoever is allowed to audit my account and that company. 

XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (VA)

I contacted XXXX aka verisk financial about inaccurate information on my credits report but they refused to address the issue. XXXX make me go in circle instead of addressing the issue. 
They admitted that they did not have a proof that the information belong to me since they obtain the information via " obtained from a publicly available source ''. If that is so how did XXXX know that the information belong to me without having 10 percent of my personal information. They must delete the information or proof beyond doubt that those information belong to me by producing the same Address, Date of birth, Social security number. Otherwise they should refrain from furnishing wrong information to my credit files. 
I attached their response below. Which is insincere and circular argument letter I never seen.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

Beginning with my Specialized Loan Servicing ( SLS ) statement dated XX/XX/XXXX, the payment amount due apparently increased while I continued to pay the previous amounts that I had been paying through an automated payment system. This new " amount due '' increase seemingly caused a shortage in my monthly payment amount. In XX/XX/XXXX, SLS began retaining a " suspense '' account as I continued to pay my regular monthly payments. Each month there were fees and late charges added and a continued 30 day late notice was also added to my credit report. These suspense holdings continued for the next several months ( from XX/XX/XXXX thru XX/XX/XXXX ). Each of the concurrent months also added an additional 30day late notice to my credit report. Once such suspense holdings was recognized, I promptly made the necessary payments to bring the suspense holdings into current payment status and have not had an issue since and remain in good standing. Attached please find documents that support the above statement. The statement file labeled and dated XXXX shows {$0.00} in the " suspense '' category ( located in the first box on the right beneath the property address ). Beginning with attached file and statement dated ( XX/XX/XXXX ), you begin to see the suspense holding numerically populated. In this XX/XX/XXXX statement, suspense holds ( {$1500.00} ). This continues in each consecutive month thereafter with varying amounts being retained and reported until we reach the XX/XX/XXXX statement that shows a XXXX. At some point between the XX/XX/XXXX and the XX/XX/XXXX statement, the problem was recognized and immediately rectified bringing the " suspense '' to {$0.00}. Had my payments been " rejected '' and not accepted and held in " suspense '' without my knowledge, I would have recognized that the payments had not been processed and made the necessary corrections immediately. These tactics are undoubtedly attempts to charge extra service fees, while simultaneously damaging a consumer 's credit reputation. I am requesting that Specialized Loan Services remove the 30 day late notices from all credit reporting bureaus dated from XX/XX/XXXX thru XXXX of XXXX for the reasons explained above. Thank you in advance for your assistance with this matter. XXXX XXXX
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

My name is XXXX XXXX, I tried creating a Venmo account in XXXX of XXXX for the first time. I was told I already had an account associated with my phone number. I sent an email in and got a return email stating I needed to send in my id and phone statement. I did that and got a response stating because of an issue on XX/XX/XXXX I will not be able to open an account. This is as a result of fraud. I have never had a Venmo account in my life. My bank account, social security number, credit cards were all compromised. This history does not belong to me!
Consumer complaint received 2022-08-13
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$4400.00}