davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XXXX XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Consumer complaint received 2022-08-11
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)

I called the XXXX, Experian and XXXX after I purchased a credit report with Identity IQ on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (WA)

About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls  are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. 

The most recent call came in on XXXX/XXXX/19 at XXXX XXXX.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (IL)

XXXX XXXX {$650.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX, XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX XXXX  {$9500.00} XXXX XXXX, XXXX XXXX XXXX {$5800.00} XXXX XXXX, XXXX XXXX XXXX {$950.00} XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX XXXX, XXXXXXXX XXXX {$220000.00} XXXX XXXX, XXXXXXXX XXXX XXXXXXXX {$220000.00} XXXX XXXX, XXXX XXXX {$220.00} XXXX XXXX, XXXX XXXX  {$400.00} XXXX XXXX XXXX I have reached out to each individual creditor listed above about these accounts letting them know I have never opened none of these accounts or applied for any of these accounts.I have filed an ftc report and they have refuse to remove them.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Consumer complaint received 2017-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (NJ)

OnXX/XX/XXXX a collection was put against me by Midwest Recovery Systems for a medical debt that was paid off through another collection agency on XX/XX/XXXX. I wrote a letter to Midwest with a copy of pay off letter from previous collection agency. To date the  collection still appears on my credit report. Since paying off this medical debt I have received calls from other collection agencies but would fax a copy of pay off letter.
Consumer complaint received 2019-03-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

In 2005 I was scheduled to close for a loan from Wells Fargo, I was involved in a car accident on the day of closing for my loan where I was rear ended while sitting at my a light at 50 miles per hour, and I was getting my XXXX XXXX as a result of the accident at XXXX XXXX XXXX. The Loan officer called office then my cell phone and said they needed these docs signed today. The loan officer told me her name was XXXX XXXX that I needed to sign docs or my loan would be not be available. I was in the hospital when the loan offices came there, and I had to sign their doc package, three people came to the hospital.. They brought flowers and said thank you. After I left the hospital I complained to Wells Fargo with no resultion or response. I went to Wells Fargo to speak to XXXX and they told me she was no longer there. The reason I want this looked into is because I have made so many payments and the balance stays the same. Please help me to resolve this matter. I just get ignored
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am disputing my Principal Mortgage Balance that XXXX XXXX XXXX is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from Experian Credit Bureau that XXXX XXXX reported a Balance Increase XXXX XXXX, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX XXXX XXXX and learned that XXXX XXXX XXXX transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX  is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that XXXX XXXX XXXX reported to Experian Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.
Consumer complaint received 2018-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

In 2006 i took a loan for XXXX with XXXX XXXX XXXX, my grandmother co-signed the note. As of this date i have not been able to find full time employment and although i was on an interest only plan for 2 years and also deferment at one time, the loan has become past due. I contacted AES and was told that XXXX owns the loan and that they have no there options for me, resulting in negative reporting to my credit file, which has negatively affected me when i apply for jobs. 

I have called AES ON numerous occasions requesting proof of transfer of my loan to XXXX, i never received anything and was told via email that they were unable to provide me with same ( copy of email attached ). 

My grandmother is in the XXXX XXXX XXXX  XXXX and can not help me. My mother has been assisting in payments but she is on XXXX and is limited in what she can do. 

I have been making payments for a while now and nothing has come off the principal of the loan and i now owe in excess of 57,000 dollars on a XXXX loan. i need help. 

The interest rate has gone up again and my payment will now be more than the {$460.00} i currently pay and i can't afford that.
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Federal Credit Control, Inc. (FL)

FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NC)

Opened a checking account with TD on XX/XX/2018. A few days later I attempted to attach my XXXX account to the checking account, and shortly after TD locked my account. When I called in to unlock the account, I was told I needed to verify my identify in person at a branch. This is not possible due to the one-way 4 hour drive to the closest branch and after I told them as much, no helpful response was given.

I immediately told them I'd like to close the account, but was denied that ability due to them being unable to verify my identity despite the very process that allowed them to open a checking account in my name in the first place. 

I assumed the account would close within 20 days because due to the XXXX XXXX XXXX accounts are closed when not funded, but when I attempted to link my XXXX, XXXX sent trial deposits and never withdrew them since I didn't have the opportunity to verify the trial deposits. Since this occurred, the account was never closed, I've been charged a $ XXXX monthly maintenance fee, and I can't access/close the account without making an 8 hour trip to the nearest branch.
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

XX/XX/XXXX. Navient consistently and continuously encouraged and instruct me to use deferment & forbearance methodologies & not offering repayment/income/graduated programs. Interest has compiled up over the years and I have made no dent on my loan. They incorrectly applied & allocated payments to my loans whereby interest accrued.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

Transworld Systems has been reporting a collections account on my credit report that was opened on XXXX that is not mine. On XXXX I sent them a certified letter asking them to to provide me with validation of the debt .I never received any response or any verification of the debt. On XXXX I sent them a second certified letter advising them that they never responded to my request to validate the debt and they are in violation of the fair debt collection practices act and requested that they immediately contact the three credit bureaus and have the incorrect information removed from my credit reports. They never responded to me and continue to report this incorrect information on my credit reports. They also notified the credit bureaus that this information is correct.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX XXXX am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Consumer complaint received 2019-03-06
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. (NY)

My name is XXXX XXXX XXXX I am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Consumer complaint received 2018-06-06
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. (WA)

This is a new complaint as a result of a previous investigation failing to address my complaint. # XXXX I asked that the credit reporting agency provide me with the company name and methods used to verify that a bankruptcy on record is correct. The US Bankruptcy Court does not furnish this information, which indicates the company used a third party. I have a right to know this information.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

I received a statement on XXXX from All Rewards which is being serviced by Comenity-All Rewards. On this statement there was a late charge of {$27.00}. I went online to my checking account and a check was sent to the company prior to the bill due date. I contacted Comenity and spoke to a customer service representative I disputed the late charge and stated I wanted to close my account. XXXX eventually waived the late fee and provided me with a reference # of XXXX. 

On XX/XX/22 I received my statement from XXXX XXXX serviced by Comenity XXXX XXXX XXXX and it now has an additional late fee of {$27.00} and {$1.00} interest charge in addition to the late fee from last month that wasn't waived. Total due now {$55.00}. 

I called Comenity and spoke to Customer Service Rep and then a supervisor. Initially told since account closed they could not waive the late fees. After much discussion, supervisor XXXX stated she would do a system override and clear the late fee. I asked for documentation that this had occurred, since I received the same assurance last month. She stated she couldn't provide me with documentation until after the statement period ends, which would be XX/XX/XXXX. At that time I could call in and get a XXXX XXXX letter. 
The issue is if this once again doesn't go through, like last month, I will have another late fee added and it will probably affect my credit.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.
Consumer complaint received 2018-01-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXX/XX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX