davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am a XXXX XXXX, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Consumer complaint received 2020-08-31
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. (CA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) < It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 2021-08-20
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)

My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate names, addresses, and employer. I have attached a letter detailing the disputes along with supporting documentation. Thank you
Consumer complaint received 2020-12-10
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. (MO)

On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year XXXX XXXX  has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through XXXX appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, Transunion, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the 30 day late for XXXX of XXXX was not corrected and that it was in fact verified with XXXX. Confused, we contacted XXXX and we were connected with an escalation specialist XXXX XXXX I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from XXXX and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with Transunion Credit Reporting app and I was able to upload the documents provided to me by XXXX verification that the XX/XX/XXXX payment was NOT 30 days late and they would correct per their investigation. We were correct. XXXX was reporting in ERROR! Today I received the results of the additional dispute and the 30 day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with XXXX and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from XXXX. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Consumer complaint received 2020-12-10
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. (MA)

It's impossible that this account from XXXX was ever investigated by Experian, because the other 2 bureaus ( e.g. XXXX, and XXXX  ) investigated and determined that it was in violation due to several litigation issues, and other ways that they violated the REPO laws. Dear Experian ; Im little concerned considering the fact that youre the only company that still reporting this account into my credit report. As I mentioned before, this account continues to be in violation of my consumer rights because its reporting incomplete, inaccurate, misleading information among the different factors within. I understand that you need to ensure that my credit file is always reporting the most accurate and timely information. Therefore, its impossible that this account was ever verified because I been in contact with XXXX directly, and they even sent me a refunded check of over $ XXXX because of the fraud they committed. They assured me through the letter that the credit bureau wouldve deleted this tradeline from my credit. How is it possible that you still reporting whereas XXXX and XXXX  DELETED from my credit. 

For example, base on the findings from XXXX, youre reporting wrong and questionable balance of $ XXXX, should be XXXX ; wrong last date of active, and last date of payments, also, when was this account actually closed? ; What is the first date of delinquencies-questionable? The high balance and the actual balance doesnt match what the original creditor has. Therefore, this account is unverifiable and it needs to be deleted. 

Im requesting & demanding again, that due to these several violations mentioned above that you DELETE this account permanently from my credit report immediately.
Consumer complaint received 2020-12-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc (WA)

Today, at XXXX XXXX Pacific Time, Ireceiveda call from someone who asked for person X ( my partner ), and when I asked who they were, said : " This is XXXX XXXX  ''. I asked, " Which office of XXXX XXXX? '' They responded : " It's an office of XXXX XXXX  ''. I pressed again : " What office of XXXX XXXX  are you from? '' They responded : " With the University ''. When I finally pressed again, they responded, " I'm with Williams & Fudge, working on behalf of the University. '' I believe it is fraudulent to represent yourself as someone you are not. This was not a call from XXXX XXXX, they were from Williams & Fudge , Inc .
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Been disputing this account threw transunion over year & half but keep coming back as verified. The amount owed is far off from collection agency to the original creditor. law is clear account has to be 100 percent accurate and verifiable which its not.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. Auto Credit Corporation (OK)

There has not been any of the options listed. If this is not where I need to go then please direct me. The company, US Auto Credit has just recieved our lien. It was sold a couple months back. They have been harassing us by calling almost daily. They are instructed to call me and not my husband but they call him daily while he is at work and call me once a week. I have requested 4 separate times for them to cease their calls and they keep saying they have it blocked but we have proof otherwise. We are tired of being harassed. We are up to date on payments, and everything is perfect. When we call back ( because husband usually misses the call since he is at work ) they never seem to know WHY we recieved a call? They all have attitudes and im going to be calling the cops next. I'm out of my depth here.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I recently refinanced my home mortgage, originally with XXXX XXXXXX/XX/XXXX I have never missed a payment, or even been late. I refinanced {$350000.00} into another XXXX XXXX XX/XX/XXXX mortgage in XX/XX/2020 at a lower rate ( good for me ). In XXXX XXXX XXXXXX/XX/XXXX sold my refinanced mortgage to Citizens Bank, as they were entitled to do. Unfortunately, the new lender, Citizens Bank, seems impenetrable. I am unable to track what happened to the escrow money, and I can not understand what happened to the principal balanceit went UP. Worst of all, it is extremely difficult to get anyone at Citizens Bank on the phone. Dont they have an obligation to be available to their mortgagees? Over the last several weeks I have tried calling their customer service XXXXnumber XXXX multiple times. Only once have I been able to speak to someone XXXXXX/XX/XXXX XX/XX/XXXX? ) said to check again in a week ). It usually says that due to high call volume they will call me back in a day or two. On Tuesday of this week their message said their call-back system couldn't call me back until 4 days later. Huh? Their secure messaging webpage offers a 5-day turn-around on messages. This is ridiculous. This lack of availability is certainly terrible customer service, but is it in compliance with federal regulations? 

I have a simple issueI just need Citizens to be reachable to explain what happened to the escrow money and the principal. But they seem unreachable. 

From a regulators standpoint I want you to know about this difficulty, and I thank you for your assistance and advice.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Failure to complete 605b block to finalize the remaining XXXX accounts. I have uploaded mailed and faxed. I have been denied credit due to failure to complete these blocks.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (AZ)

Been disputing this account threw the XXXX  credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this account.
Consumer complaint received 2020-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emergent Business Group, Inc. (MN)

I received a letter from Emergent Servicing which has several negative reviews online so I do not want to call them and request debt validation. The letter says the current creditor is XXXX XXXX, whom I have never heard of or heard from. Emergent Servicing have also been calling and threatening with attempts to deliver documents to my address. This letter is vague and to my knowledge, I no longer have any outstanding debts as I have paid off everything outstanding on my credit report over the past 2 years and have a much better handle on my finances now.
Consumer complaint received 2022-08-13
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. (NC)

There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from XXXX
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I paid off a debt in XXXX XXXX 2020 in the amount of {$600.00} and was told it would be reported in 4-6 weeks. I called the debt collector XXXX XXXX XXXX and they said it shows its been paid off but dont know why the bureaus havent reported the paid off status.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/21, {$14000.00} was deposited to my account electronically direct deposit by a company I am doing business with. On XX/XX/21, I withdrew {$13000.00}. On XX/XX/21, I received an alert that my account was overdrawn. I logged into my account and it showed that the deposit on XX/XX/21 was attempted to be reversed. On XX/XX/21, I contacted the agent of the company that placed the {$14000.00} deposit. On XX/XX/21, the agent responded back and said that he would straighten out every thing. The same day I received an alert that my account had a positive balance. I attempted to make a purchase with my debit card and it was declined for insufficient funds. I logged into the account to verify this. I contacted the bank by phone and was told that my account is frozen. I have called the bank several times and have been told it is still frozen but the bank refuses to tell me why. On XX/XX/21, I went to the XXXX XXXX, Colorado branch and the bank officer called the person who put the freeze on my account, but that person refused to tell him the reason for the freeze. It was confirmed to me that the company who deposited the money on XX/XX/21, has NOT since XX/XX/21, attempted a second recall of the XX/XX/21 deposit. I logged into my account today and it shows an available balance of {$2500.00}, but my account is still frozen.
Consumer complaint received 2021-06-04
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. (WI)

I have contacted Tran union for hard inquiries on my report. I have called for the last past two weeks for these to be removed and have not gotten any help. It also take them a long time to update your report.
Consumer complaint received 2020-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

First in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of XXXXXX/XX/XXXX( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in XX/XX/XXXX on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from Capital One/Cabels concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XX/XX/XXXX and Capital One. ) I checked and it was for XXXX XXXX XXXX inXX/XX/XXXX. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX  ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc. (CA)

Do not ever do business with Beyond Finance. They tell you they will help you take care of your debt but omitted the fact that their take is 20 something percent. I was not able to ask questions to get information about my accounts. They refused to tell me anything and took over {$3000.00} first without even paying anything towards my debt first. They also refused to tell me anything about my settlements and refused to handle the ones I wanted to first. They never asked me for a proper negotiable amount and they also have made no attempt to make it right with me. They only worsened my problems and I had to take the settlements into my own hands. The day I removed myself from the program, I was able to negotiate all of my debts myself and immediately start paying them. They projected 5 years and more than {$10000.00} more then I initially owed. The problem is every time I asked questions about my accounts or how it works they would say they cant tell me or avoid answering the questions. Not to mention when I signed up I didnt hear from anybody for about a month even thought I consistently called to get answers. Worst experience Ive ever had with a company and youre dealing with someones life. Completely unacceptable
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

I received a letter in the mail from Synchrony Bank indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was XXXX XXXX XXXX. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX  report all info incorrect. Someone is sending bogus info to XXXX XXXX  talked to banks involved they never sent info to XXXX XXXX  they are go to send me letters that the info is a fraud. Waiting for police to send me police report I filed about this bogus info. I know who is doing this you will see when I get report
Consumer complaint received 2021-06-04
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. (AR)

I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.
Consumer complaint received 2020-12-10
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. (FL)

I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2