davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Texas Guaranteed (AZ)

XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass them.
Consumer complaint received 2017-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I have XXXX consolidated student loans, both of which are serviced by FedLoan Servicing. XXXX loan is a Direct Subsidized Consolidation Loan and the other is a Direct Unsubsidized Consolidation Loan. The monthly payment amount for the Direct Subsidized Consolidation Loan is {$210.00}. The monthly payment amount for the Direct Unsubsidized Consolidation Loan is {$310.00}. The total monthly payment amount for both loans is {$520.00}. 

Currently, and throughout all of 2016, I was enrolled in a Direct Debit program through FedLoan Servicing for both of these loans. Each month, {$520.00} was automatically withdrawn from my bank account and applied towards my monthly payment of {$520.00}. I made all of my payments on time in 2016 in the exact amount due. None of the billing statements that I received from FedLoan Servicing show that there was ever any past due amounts. My XXXX Credit Report, which I accessed today, shows that in 2016, FedLoan Servicing received each of my monthly payments on time. 

On XXXX XXXX, 2016, FedLoan Servicing issued me a billing statement for the payment due XXXX XXXX, 2016. This billing statement showed that I had accrued {$51.00} of Outstanding Interest for my Direct Subsidized Consolidation Loan and {$73.00} of Outstanding Interest for my Direct Unsubsidized Consolidation Loan. However, the previous billing statement, which was dated XXXX XXXX, 2016, shows that there were no past due amounts. And the XXXX XXXX, 2016 billing statement shows that I made my XXXX XXXX, 2016 payment on time, and in the full amount of {$520.00}. 

Even though I have made all of my payments on time in 2016, and in the full amount of {$520.00}, my most recent billing statement, which is dated XXXX XXXX, 2016, shows that there is still Outstanding Interest. This sum is {$51.00} for my Direct Subsidized Consolidation Loan and {$72.00} for my Direct Unsubsidized Consolidation Loan.
Consumer complaint received 2015-06-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received.
Consumer complaint received 2017-09-21
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. (PA)

This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX charge off
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: REGIONS FINANCIAL CORPORATION (AR)

I opened a new checking account at Regions Bank on XX/XX/XXXX to take advantage of a {$300.00} bonus offer. Shortly thereafter, I received a letter in the mail saying that I needed to come into the bank with a lease or mortgage agreement as proof of residency. I moved in with my boyfriend in XX/XX/XXXX and was never added to the lease, so I didn't have the type of proof they were looking for. I called Regions sometime in early XXXX to explain the situation, and they said they would look into it. On XX/XX/XXXX, I got a call back from the woman I had previously spoken with who informed me that the issue had been resolved, the flag had been removed from my account, and that all I needed to do was add money to the checking account to keep it active. 

That same day ( XX/XX/XXXX ), I transferred {$1500.00} from my XXXX checking account to Regions to get the {$300.00} bonus and avoid any fees. I closed my XXXX account in the process and received a notice from XXXX that the account wouldn't be closed until the transfer went through. A few days later, my account was closed and I assumed all was well. However, when I tried logging into my Regions account a couple of days later, I kept getting error messages. I called the bank, and they informed me that my account had been closed on XX/XX/XXXX due to inactivity/insufficient funds. When I asked about my money, they said that the transfer wasn't showing on their end and that I should contact XXXX. 

When I contacted XXXX, they were easily able to locate a record of the transfer. They provided me with a transaction reference number ( XXXX ), and the date and time of the transfer ( XX/XX/XXXX at XXXX EST ). They had a record of the money being transferred and successfully deposited into my Regions account ( we double checked the account number ). I went to a Regions bank on XX/XX/XXXX to explain my situation, and a woman there filed a ticket with the back office. Today ( XXXX ), she called me back and said unfortunately, the back office wasn't able to locate any record of the transfer or my money. She again insisted that I work with XXXX, but when I called XXXX yet again, they insisted that the transfer went through and that Regions has the funds to provide me with my money, since XXXX successfully transferred them. This has all been incredibly frustrating and I am looking for additional help locating my money.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (PA)

XXXX XXXX XXXX was a total loss in XX/XX/XXXX. XXXX paid their insurance balance of the car which left it to Gap to pay remaining of the balance. Gap of of today XX/XX/XXXX just processed their payment for the remaining of the balance owed to the Auto financial company. A late payment was added onto my credit that was incorrect and shouldnt have been added since they were informed on receiving the remaining payment of the car. Gap just made the payment and will be sending out a letter stating that sometime this week stated from the account manager who is working my case.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$24000.00} XXXX XXXX $
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

I have two outstanding disputes with my reliance prepaid card from two months ago that are not resolved yet by reliacard one is an item that I took back from two Walmarts a computer I printed out a return label and put it into the kiosk as XXXX wanted they had never returned the money to me which is {$520.00} and some change so I called reliacard and filed a dispute gave them all the information that they required of me and still I have that yet to get that money back into my account the other is for {$130.00} for items purchased online that were never shipped out to me
Consumer complaint received 2019-05-15
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: EOS Holdings, Inc. (NY)

The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2020-10-27
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. (OH)

This is account is inaccurate and incomplete information is reported differently on XXXX, Equifax and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.
Consumer complaint received 2017-09-21
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. (CA)

Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, Equifax and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.
Consumer complaint received 2020-10-28
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. (NY)

I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX bank on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (IL)

In XX/XX/XXXX, my mortgage was sold from Amerihome Mortgage to XXXX XXXX. Amerihome Mortgage has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted Amerihome but they have not come up with a resolve as of yet.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

In XX/XX/XXXX, my mortgage was sold from XXXX XXXX to XXXX XXXX. XXXX XXXX has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted XXXX but they have not come up with a resolve as of yet.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

PAYPAL INC by mistake deposited the amount of approx {$1200.00} in my personal ; bank account, I spoke with two representatives and one supervisor about this problem and PAYPAL instructed me to submit a personal check to the PAYPAL Accounting Dept. Thus, immediately after, I returned the funds four weeks ago via personal check.

I have mail confirmation that they received the check in full payment.

However, PAYPAL is making collection calls asking for the payment of {$1200.00}. I offered to place a stop payment on the initial check and send another check or provide my check number and bank information for PAYPAL to take the funds. However they blatantly refuse. Instead PAYPAL insist that I must open a PAYPAL " cash account '' with them in order to make the payment. This is a unfair practice an illegal. PAYPAL is forcing me to open a PAYPAL " cash account '' or run the risk of being reported to Credit Bureau. Thus, illegally gaining additional business - from the " error. ''
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Experian isnt allowing me to Dispute against creditors that are not mine. Experian is favoring the creditors as I have told them time again I had fraud identity theft on my name. Experian doesnt want to do anything about it and will not dispute with these creditors! Experian is deterring me to not Dispute. Also Ive asked why are you blaming the XXXX as Ive chatted with them and all information is correct to pull credit report and score for the premium service I have with Experian. This company will say and do anything to not help consumers. Unethical treatment by Experian. Very dissatisfied with this company to help consumers and favors creditors and lenders.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MI)

Someone opened an XXXX & XXXX cell phone as count using my identity. They somehow ran up a {$3500.00} bill and it is now appearing on my credit report. I disputed the account through the credit bureau and it was removed initially. It showed up again on XX/XX/XXXX. I filed another dispute that was denied. I called the collector to dispute the account, who then advised me to call XXXX XXXX XXXX. I called XXXX XXXX XXXX, was transferred around their call centers until I was finally on hold and a message indicated I couldnt be helped over the phone, but I could visit a website they offered to dispute the account. The website had a link to XXXX, the credit Bureau I initially disputed the account with.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I received a notification from XXXX XXXX ( XXXX ) of a collections on my credit report from XXXX  ( Sequium Asset Solutions , LLC ). I am only aware of 2 accounts that I have had for the past few years : Auto Finance XXXX XXXX XXXX XXXX-closed ) and XXXX XXXX XXXX XXXX ( Open- Good standing ). I am not sure why they had this placed on my credit report. If, I did owe on this account why didnt someone get in contact with me via mail, phone or email before it went to collections. I have had issues with XXXX i the past and placed coplaints on XXXX ( complaint ID- XXXX ) and XXXX ( complaint ID- XXXX ). I am not sure if these are related to the issue at hand since its XXXX. I need some final resolution to this problem with XXXX completely and want this collections off my credit report. I will also be sending letters the Reporting Agencies.
Consumer complaint received 2021-09-20
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: HCFS Healthcare Financial Services of TeamHealth (CA)

I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.
Consumer complaint received 2020-12-09
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX MARKET STCHANNELVIEW, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX
Consumer complaint received 2015-05-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fredericksburg Credit Bureau, Inc (Closed) (VA)

I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.
Consumer complaint received 2020-12-09
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. (SC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-10-27
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
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. (LA)

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX XX/XX/2019. Please investigate to make sure there is no fraudulent activity.
Consumer complaint received 2020-10-27
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I filed a dispute with this company and they have yet to remove a medical bill from my credit report.This collection is in direct violation of my privacy rights protected under the federal HIPAA law. HIPAA does not regulate credit reporting of medical bills. I demand this be removed at once.