davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Experian has completely removed my credit score. As a consumer it is my right to a credit score as they have plenty of reports including allowing an collection agency to maliciously flag and negatively report more than once within 30 days when said account is old. This is violating my rights to fair reporting denying me of a credit score yet so willingly determined to report only negative information. I will provide documents to show the violations and the damage Experian is causing. 

Experian in violation to deny me of my credit score I am a human being and it is my right to fair reporting. I am being punished for no legit reason. This is totally unfair for Experian to be allowed to do this. I have positive credit history thats not even showing, efforts gone unnoticed or as they say may take up to 6 months to show yet Experian allows reporting of an agency to report multiple times within two weeks how is this fair? Why is this allowed? I feel a class action would be the perfect action to take against Experian for unfair practice against a certain class of individuals. 

If its no score than there should be no negative reporting.
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

In XXXX XXXX I contacted the Dept. of Ed Ombudsman to make a complaint against XXXX XXXX as I continued to have issues with getting my loans consolidated and my repayment applications processed. I also received conflicting information from the customer services reps in attempts to get this resolved. I was contacted by a rep in XXXX ' escalation department and began working with her. 

In XXXX XXXX I submitted an application for a loan consolidation for two loans being services by XXXX to be transferred to XXXX XXXX as they service my other four student loans. At the same time I submitted a 2nd repayment application under the REPAYE option as the first one submitted in XXXX was erroneously rejected by XXXX XXXX Both the consolidation and the REPAYE application were processed and approved on XXXX/XXXX/XXXX and I received a letter indicating such. All 6 loans were consolidated under XXXX XXXX and my payment of {$260.00} was to begin on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment of {$260.00} to be applied prior to the first due date. Since then I have had to contact XXXX five times in the month of XXXX as they have misapplied my XXXX/XXXX/XXXX payment -- only applying it to XXXX loans and reporting the other 4 as delinquent. The escalation rep twice ensure me that she was making updates to the system that will fix it and it still has n't occurred. My loans are reportedly consolidated but XXXX is only applying payment to 2 of them and reporting the others as delinquent. They indicate all of these internal repayment reapplication requests that they 're making but it is still incorrect. This is affecting my credit as it 's being reported as such. Also, I have the right and the option of repaying my loans early and the payments should apply across all 6 consolidated loans. This is apparently discouraged by this loan servicer, and it creates huge issues every month.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This account was paid in FULL ... this account is being reported with a balance even thjough I paid it to XXXX ( I have a letter from XXXX XXXX XXXX stating such ) This is a direct violation of the FCRA. Please take appropriate action against the credit bureau and XXXX XXXX XXXX!!!
Consumer complaint received 2019-11-08
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. (DE)

I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX. XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 All these inquiries on equifax report which are from identity fraud nwithwr companybor bureau will not remove them whenbi did not do these no id or my signature to approve this Attaches is mm y identity theft to cpfb on the companies which have no address or anything to contact them
Consumer complaint received 2019-02-24
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: New Century Financial Services, Inc. (NJ)

Law firm XXXX XXXX XXXX filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in XX/XX/2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!
Consumer complaint received 2022-11-18
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-11-08
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. (PA)

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, Equifax has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like Equifax to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!
Consumer complaint received 2020-07-10
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: General Motors Financial Company, Inc. (MA)

I see repetitive 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-11-08
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: CITIBANK, N.A. (DE)

A charge came through on my account from a place I visited on XX/XX/19 for {$260.00}. The issue was that the charge was for {$26.00}. I filled a dispute with Citibank and advised them that this place said they don't have the receipt. 

Citibank advised me they can't help me because I don't have a receipt but yet they made NO attemp to contact the merchant processor to show the true charge. As a consumer I have done everything I can do and I'm not getting anywhere from the merchant NOR Citibank so I'm not sure why I'm being penalized. 

I'm not sure if the merchant falsified the charge when they put it through or not but at this point it needs to be fixed by Citibank.
Consumer complaint received 2023-01-12
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

Capstone Collections out of XXXX, FL. Their phone number is XXXX, Fax XXXX. Their address is XXXX XXXX XXXX, XXXX, FL. XXXX. 
They have been harassing me by phone in the past and are extremely unprofessional with resolving this false claim. They are falsely claiming that I owe them {$3100.00} to be paid to XXXX XXXX XXXX XXXX for not providing a prior 60 day move out notice, which was indeed provided and logged into the property managers computer in front of me in person due to my need for permission to get a full tractor truck onto the property for relocation by our employer. I rented a XXXX apartment unit for several years at XXXX XXXX. Capstone told me to prove that that we gave a signed 60 day move out notice from 5+ years ago, and to contact XXXX to get proof to resolve their collections and they will not stop the collection until I pay Capstone. This continues to show negatively on my credit report and I need it resolved asap. They claim that we did not give the FL. statute 60 day prior move out notice before we ended our lease. We did not break our lease and we did certainly indeed give a written Word document signed with more than 60 day notice to the assistant property manager at the time, XXXX. We never received a receipt for submitting a written 60 day notice from XXXX XXXX or XXXX XXXX, the process was to have it noted on our account. We did sit with XXXX while she put the notes from our written notice into the computer under our account. We were both witness to that. I have our lease document copies which I showed you showing a XXXX   balance when we moved out and we received our full deposit returned to us as well. We also gave her the name and date that our movers were scheduled to come relocate us at the end of our lease date so that we would not have issues with a large moving truck blocking our neighbors. After moving out, we also did the final walk through with assistant property manager and she stated that our unit was the cleanest move out she had ever walked through. We then gave her our keys and had a zero balance form printed out and given to us. I had our unit thoroughly cleaned and even paint touched up before moving out. The original creditor Capstone is fraudulently collecting for is now out of business since XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX.Capstone Credit & Collection , LLC is falsely attempting to collect a made up debt without proven  documentation for a creditor that does not exist anymore.
Consumer complaint received 2019-02-24
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: AES/PHEAA (SC)

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2022-01-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I called Wells Fargo about getting a refund on a return to a closed bank account. The banker that I spoke to said that I can still receive refunds on my closed Wells Fargo account before XX/XX/2021. XX/XX/XXXX was the 30th day of my bank account being closed. The banker told me that once they receive the refund then I would be getting a check in the mail. She also told that it will take about 3-5 business days to process any refunds so I made sure to go before. On XX/XX/2021 I went to the XXXX XXXX at XXXX, CA to return my online order. I returned my order ( order # XXXX ) in store and I would be getting {$93.00} in total. I was given back {$8.00} in a gift card, which I then cashed out for cash instead. Then I was told that the rest of the balance that is {$85.00} would go back to my Wells Fargo account ending in XXXX, which was already closed, but since I was told by the banker that I would be getting a check I let the refund go through. I waited and called back the next week and I was told my Wells Fargo that they have not received any refund from Gap. I then called Gap customer service, but they told me that they have already processed it and to wait a few more days. Around the week of XX/XX/2021 I called again and they kept circling back to what was already said to me that I should call Wells Fargo or the merchant. I did those things but there is no progress being made at all. They kept telling me to call back the next week to see what would happen to the money but still no progress from both Wells Fargo and XXXX. XXXX XXXX research department gave me a tracker number for the refund, but when I told Wells Fargo about it, Wells Fargo had no idea what that number was. XXXX XXXX customer service would hang up in the middle of the call because they can not resolve my issue. It would be better for them to tell me to call back the next day rather than hanging up in the middle of the call with no progress. Wells Fargo 's representatives are also clueless about being able to receive refunds on a closed account as long as its before the 30th day of the account closing. They needed to keep checking on someone higher up. Call times would be shorter if they are all in the same page. It is so frustrating having to call back almost every day for 3 weeks and having told the same thing while nothing was happening to be able to move forward for me to get my refund back.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Law were violated by XXXX XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( tranunion, XXXX XXXX  ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is not fair. 

on date XX/XX/2020 letter were forwarded to transunion XXXX  and XXXX stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by transunion, XXXX  and XXXX  and i also demand a deletion .of accounts and judgments15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2021-04-01
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. (IL)

Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the information.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

I had an issue with my XXXX Pre-Paid Debit Card ( issued by U.S. Bank National Association ) yesterday evening ( XX/XX/21 ) while attempting to order food through XXXX  XXXX. I attempted to use the card several times before I found out that XXXX XXXX had been hacked. Due to the repeated attempts, my debit card was locked. I called the Customer Service several times ( XXXX ). I was told that because of the number of attempts to use the card, it would be locked for a maximum of 24 hours. Even after verifying that all of the attempts were made by me and that there was NO fraud taking place, they STILL refused to unlock my card, REFUSED to let me speak to ANYONE above the supervisor. I attempted to use the card today ( XX/XX/21 ) and the card was still locked. I called Customer Service again this morning at XXXX, and was told that the card would be unlocked in an hour. I went to use my card well AFTER that hour and my card was declined. I called Customer Service AGAIN and was told that because I attempted to use the card again, it reset the 24 hour lock and that there was NOBODY that could unlock my card, because it was done by an automated system. I was lied to by the female employee who told me that my card would be unlocked. I know full well that the card can be unlocked, yet they REFUSED to unlock the card, REFUSED to allow me to speak to anyone above the supervisor. This is completely UNACCEPTABLE. That is MY money on that card and I REPEATEDLY verified that NO fraud had taken place. After this 24 hour " lock '' is completed, I am removing all money from this card and will NEVER use it again. I am also taking to social media and telling everyone how this company treats its customers.