davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.
Consumer complaint received 2021-08-06
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (TN)

Accounts that's closed or negative ratings- Lane Bryant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPolice Report #
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

A fraudulent credit card account from XXXX XXXX was sold to Midland Credit Management. XXXX XXXX released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though XXXX XXXX investigated and found that this account is a result of ID Theft.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I recently had my credit report pulled and saw a " Acct in dispute ''  for Citicards CBNA. The c redit report states that the account was closed back in  XXXX - XXXX  and even though I have had many many credit reports pulled since then, this is the first time " Acct in dispute '' has ever shown up.     The remarks on my credit report are : " Closed by Consumer ; acct in dispute ; acct in dispute under fcba/closed by consumer ; paid '' I am not sure what this is for or why it is showing " acct in dispute '' when the account is paid with a {$0.00} balance.     Please help me resolve.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

I am seeking relief from the Navient Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA fees I am in The Texas snow storm where I am snowed in dont have internet or didnt until yesterday even on my phone. 

BBVA charges me overdraft fees and is refusing to work with me on them yet their branches were closed. No ATMs worked due to power outages. I didnt have any way to do banking. 

Multiple fees where most banks fee a max of 1 especially if you had money in other accounts to cover it.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I had checked my credit report and noticed that  XXXX  account was opened up under my name  XXXX  account with  XXXX   XXXX  and  XXXX  with  XXXX   XXXX , I immediately contacted the credit card companies and explained about the fraudulent accounts that was opened up under my name and had them closed those accounts and through the process I learned that those accounts were getting paid through my CHASE business account. On  XXXX   XXXX     2017 I  contacted CHASE where I had my business account was and after being on the phone for ov er 1 hour and transferred from one  person to another person opened up a claim with them and they emailed me a package for my claim that I needed to sign and send to them and get my account credited. Two days later I received another email from CHASE and that email was stating that my claim has been denied and would not get my account credited. I immediately got on the phone and I spoke to a lady by the name of  XXXX  from  XXXX  and explained to her what just happened and she could not answer me correct then I asked to speak to s ome one in united state and t hey had me on the phone holding for over 55 minutes and was told that there is no one available in united states then I asked to speak to a supervisor which that got denied also. Earlier today I called CHASE claim again and went through the same run around first speaking to some one in  XXXX  for over 17 minutes then being on hold for 15 minutes to speak with a gentleman named  XXXX  that he told me he was a senior account specialist. He then said that the claim was denied. He would not identify himself other than the time I called and his first name and he also refused to give me a direct phone number.  XXXX  said he denied my claim because all the information CHASE had was correct. He ignored the erroneous information and fraudulent actions and chose to deny my claims.
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

In 2016, XXXX XXXX in XXXX GA failed to properly file an insurance claim pursuant to my office visit. I was under the impression they had done so. When they caught the mistake it was outside the window for filing a claim with the insurance company. I spoke with them many times and tried to work out a settlement. They refused to find a resolution and turned the debt over to Carter-Young, XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. XXXX. I also spoke with Carter - Young and explained in detail the problem. Four years later I am being harassed monthly with statements even after asking for that activity to cease. All of the credit reporting agencies have dropped this from my reports except XXXX who, to date, only provided on my report that I disputed the amount, which is true. I would like for XXXX XXXX and Carter-Young to cease  sending negative information each month and to erase this debt from my record.
Consumer complaint received 2018-01-04
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: Experian Information Solutions Inc. (GA)

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, and XX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I was alerted that {$3000.00} was taken off of my EDD card without my consent I've been trying to contact EDD for answers from then to present still no answer from them unable to get through to them on their line I've been dealing with Bank of America about the situation in which they put two claims in one for {$2000.00} and another one for {$1000.00} the {$2000.00} was paid off to me through Bank of America completing one claim and which they say they sent out to me the second claim for {$1000.00} but I've never received it in between I was also issued out another EDD prepaid debit card through Bank of America and {$2000.00} again was just stolen from it the account and which I have to do another claim to get my money back I'm not understanding how the money is still being taken off my account with new card and a new PIN code all I can do is call Bank of America and have them tell me to sit back and wait for the investigation the end which could take up to 90 days I'm really in need of help this is the second time I've been victimized and almost 7 weeks I filed for police reports for the first incident when it happened in XXXX and still haven't heard anything back from the police which were four cities it was filed for I don't know what to do at this point somebody is hacking my information and I don't know where it's coming from but I still obtain my debit cards and they are able to go to Bank of America ATMs and still pull out money of {$1000.00} transactions
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax back in XXXX XXXX. Regarding the misinformation XXXX XXXX is reporting on my credit report. I also sent proof to Equifax that my XXXX XXXX account went into payment default back in XXXX XXXX never regaining a current status. Until the account chargedoff in XXXX XXXX. The account has now passed its 7 year mark and needs to be deleted. XXXX XXXX XXXX is reporting that a payment was made in XXXX XXXX after the chargeoff date. I sent Equifax proof from XXXX XXXX, that payment was a refund check sent from the dealer. Not the account holder as they are reporting. Equifax has failed to investigate this matter accurately. Even after sending them proof of the inaccurate information being reported.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALCHRO INC. (FL)

XXXX XXXX XXXX XXXX is calling all times and let it I know that if I do n't pay this account my credit is going to be damaged and I can do nothing with my credits. This account is 7 years old and is still appear on my credit with {$130.00} and {$2000.00}, Those accounts are from 2010 and are almost 8 years of this.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (TX)

I received a letter from Equitable Acceptance Corp. Saying they could reduce my student loan debt. They made me believe they were taking over my loans but I instead they are not providing the service that they portrayed. They are charging me to manage my account, which is what I have been doing. They will not let me out of the contract which is for 48 months unless I pay 40 % of their service fee.
Consumer complaint received 2022-09-09
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)

Instructions : Please make sure that all aspects of this account are reported XXXX percent accurately. We also see that the payment history on this account is incomplete with fields including the Scheduled Payment Amount and Actual Amount Paid missing in many instances.
Consumer complaint received 2017-09-23
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: EQUIFAX, INC. (OR)

I have contacted Equifax many times by phone and email in the past 2 years to get my credit report accurate and up to date, my call goes to the XXXX because there are apparently no customer service offices in the United States, as a result my phone company also charges me for the calls even though it 's an XXXX prefix! 

My next problem is that when or if they actually do remove something it comes back again and again even though I have already paid it off. They also use two different names for the same company that they say that I owe money to even though I have been making monthly payments for almost 2 years on the account!
I also have at least 9 hard inquiries that I did not authorize and every time I have asked Equifax to remove them because I did n't authorize them they do n't do it! 

There is also an account called XXXXXXXX XXXX XXXX Info that was reported in XXXX of XXXX. It does n't say what it is or anything else, the amount supposedly owed by me is {$1.00}, XXXX. If it 's the tax lien that keeps showing up on my report that I have disputed several times, that was paid off in XXXX of XXXX when I sold my home. I have told them about it again and again and yet it 's still on my credit report! I need to know what this is ... this is very frustrating when you are a very hardworking tax payer and you do everything that you are supposed to do and yet it is n't done right by the people who are supposed to be correcting it! Please help me to get my credits reports corrected in a timely and accurate manner, thank you!
Consumer complaint received 2017-07-27
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. (CT)

XX/XX/XXXX I reached out to Equifax to dispute inaccurate information on my credit report. They claimed to open an investigation and found the information was correct. I asked the, to verify that the inquiries were in fact done by me and they could produce no evidence. Therefore, it is unfair with no evidence to assume the inquiries belong to me. According to law, anything on my credit report that is inaccurate information has to be deleted. It can only stay on my report if their is evidence and this bureau could not find any because they were never done by me.
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-22
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. (IL)

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-01-09
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Mortgage payment was made to Bank of America on theXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX .They stated on my credit report that my account is 90dys past due date .Maximum Delinquency of 90 days XX/XX/XXXX. 
This information is incorrect and thus affecting my credit
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

I have made numerous calls to just as many people to resolve this issue. I made my regularly due car payment ... by separate mail with instructions I also made a {$1000.00} payment towards the principal. When I called to confirm receipt the CSR who took my call advised me that no payment was do and I would n't receive my next months invoice for same. When I did get the next months invoice they charged me a late fee ... and continue to do so today, They went over a month without applying the {$1000.00} as directed to the loan principal. When I ask to have the late fees reversed and proof that the {$1000.00} was applied ( I have NEVER been late in over 53 payments ) they claimed they could not ... and my fear is for my credit rating possibly being damaged because of their faulty bookkeeping procedures. I 'm also concerned, hence this complaint, that other less outspoken borrowers then me are being ripped off too ... how long has this way of doing business been going on at HMFUSA? I would caution other borrowers to check every invoice and at this point do n't try to pay in advance toward the principal.
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: First Associates Loan Servicing LLC (NY)

I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX year old child with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To XXXX XXXX XXXX XXXX i owe - {$49000.00} This was all for a 2 year degree no one will even look at because it says XXXX on it. Please help i am getting physically ill from the XXXX of dealing with these people.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXXXXXX XXXX XXXX XXXX  card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXX stating my account has been paid on time and in good standing.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXX XXXX XXXX  XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXXXXXX  stating my account has been paid on time and in good standing.