davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NV)

In XXXX Care Credit ( an Amazon XXXX, which I just learned ) my balance was {$610.00} I received a statement today and now my balance is {$640.00}!! I asked how could my balance go up when I've never missed a payment and my balance WAS going down, like it should. This lady says it's because of some special that I had to pay-off my balance before yesterday ( XX/XX/XXXX ) which I never heard of! If I had heard I would have never taken this credit card! They're claiming that I was told this but I never saw ANYTHING like that! So, they took my money ( I'm a XXXX veteran and live on a fixed income, I can't have balances going up ) plus they ADDED money back to my account!! In XXXX months I paid {$180.00} and only received less than {$60.00} off my balance? There has to be some type of law stopping these people from stealing money from senior citizens/XXXX  veterans!! At this rate it will take YEARS to pay this XXXX card off!!
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I've been trying to find out how many qualifying payments I made on the Federal Student Loan Forgiveness program while I worked for a previous qualifying employer. XXXX XXXX keeps giving me inaccurate information ( for months now XXXX and now they are ignoring my emails entirely. 

I worked for a qualifying employer for student loan forgiveness ( XXXX of XXXX ) and made qualifying payments for approximately 21 months from XX/XX/XXXX through XX/XX/XXXX yet FedLoan Servicing says that I only made 10 qualifying payments, which is incorrect. It should be more like 21 or 22 qualifying payments. 

They have now refused to even answer my emails & are some of the most incompetent people I've ever dealt with. It shouldn't be hard to figure out the correct amount of payments & send me the correct information. I've called and emailed several times and they still can't give me the correct information. I hope this complaint will help them remember that they should never ignore their customers.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (KY)

I just noticed an unfamiliar company on my credit report, with a note that said " account is disputed by consumer ''. I never even heard of the company, how could I dispute it? I learned from my attorney, who I hired to help clean up an identity theft, that creditors will park an account and list it as disputed so the CRA wo n't reinvestigate -- they are tricked into thinking I put in a frivolous dispute. So it remains. I contacted the creditor, and found it to be a mortgage firm that foreclosed on my house, and STILL parked an account for the original balance and payments under a new company name. It 's listed as OPEN, with the last payment of XX/XX/2006. So, I am nowhere with my dispute, and my letters are being ignored. I have turned over my case to an attorney. There is never just one cockroach. If I go to my local public records, I expect to find more cases like mine. There was never any attempt to sue or collect, just that account that says OPEN. It hurt my credit score, and caused me to lose credit opportunities on a continuing basis.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I had tax lien on my report, and it has been taken care of, have a release form and also the court has in on file. I want to know where do I mail it to? so it can be clear from my credit report, I can not find any phone number or address on website.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

This company is representing the original creditor XXXX this is the first documentation that I have received of this alleged debt of {$920.00} I feel that I 'm not obligated to pay this debt being that it is not mine and I have received no correspondence at all regarding it I do not know when this debt occurred or why. I am a XXXX Customer wirelessly and residential if I had outstanding debt with XXXX in any aspect I would not be able to have service with them at all.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After filling application for XXXX, XXXX XXXX XXXX XXXX on XXXX, a Renter 's Report showed XXXX judgments against XXXX XXXX, who is not me. Both by XXXX XXXX XXXX, XXXX XXXX, CO. The XXXX filed XXXX case # XXXX and the XXXX filed XXXX case # XXXX both against the plaintiff, XXXX XXXX. Records will show I was living in my mortgaged home, XXXX XXXX XXXX XXXX XXXX, NV XXXX from XXXX to present and working at XXXX XXXX in XXXX XXXX from XXXX to present. I keep all of my pay check stubs including all from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I am NOT the plaintiff XXXX XXXX, I have never even gone by that name. 
Please remove this inaccurate and erroneous information from this and other credit reports. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (ME)

There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Neon Newco Corporation (FL)

I have received the following email : ( mind I never applied for anything ) When I called the phone number the automated system has requesting the full SSN #. After going through the menu without providing the information, the customer service rep informed me that without the SS # he is not able to access my account. I'm sure they are collection people 's SS # and using them for criminal activities. 

I hope, something can be done to shot down this operation. 

NetSpend www.netspend.com Account Issue - Contact Customer Service XXXX www.netspend.com From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Dear XXXX, There may be a problem with your Netspend XXXX, Account ending in XXXX. Please call customer service immediately at the number on the back of your card or XXXX. 

Sincerely, Your Netspend Card Team XXXX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend XXXX. We are required to send you such notifications regardless of your unsubscribe status for your protection. Please do not reply to this message. E-mail Security Information Message intended for : XXXX ; Account Ending XXXX. 
( C ) 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Best regards, XXXX XXXX
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (SC)

There is a medical debt in which I agreed on a settlement set up the payments per our agreement XXXX charge went through and the XXXX the company is stating did not, I never received a call about this until a while later and now this company will not honor the settlement. If I new my HSA card did not process which I have no reason why I would have paid the remaining balance out of my bank account and now this agency will not take it. Please help
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several inquiry 's on my report that are not mines. I have written and called all the companies and I am being told that they show nothing on me nor do they see any applications that have been applied for under my social security number. A few said they would send me out a letter stating such and the majority has told me or referred me back to the credit bureaus for removal. The credit bureaus have told me they can not removed inquiry 's without a deletion letter from the company or a police report stating I was a victim of identity theft.Just need to know what can be done to bring resolution to this matter for me.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-08-17
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Adler Wallach & Associates, Inc. (TN)

this is bill that originated after I went to the hospital ( which I was instructed by the VA to go to the nearest emergency room ). this was not a VA facility but like I said they instructed me to go.the VA has paid all of the other outstanding bills of this hospital dating back to XXXX/XXXX/2015 excluding this one bill. 
The reason the VA had not paid this certain bill is because they said that XXXX XXXX XXXX XXXX had not sent the necessary medical files. I have since been in contact with the VA and this company and now the VA has the correct paperwork and now it is back up for review and it should be paid within 60 days. but in the meantime this bill has been turned over to the collection agency and I have told them the situation and asked for a consideration to reset the time and they have refused
Consumer complaint received 2017-02-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

Purchased a used car from XXXX in XXXX, on XXXX We ( my partner and I ) were very stern that we did not want to spend more then XXXX. We were told the car would be XXXX. We gave them XXXX down. When we got the first payment the total we owed was XXXX. IS THIS POSSIBLE. Are taxes that much, how is interest compounded, i do n't understand how we owe this much, in addition there have been warrantee and recall problems that they have not taken care of. 
XXXX, recently I have been paying the payment, plus extra on the principle. I have tried to figure out how they are calculating this, I have put in every combination of numbers, but it seems it is always about XXXX dollars in their favor. I think they are ripping me off, and they have no one to call that I can talk with. When you go in there this is what they say " you should just buy a new car, get rid of this XXXX ... .blah blah blah '' I am so sick of this company.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

To Whom It May Concern, Citizens Bank has frozen my joint account with my XXXX parents ( XX/XX/XXXX.-XX/XX/2016 ), without any notification or explanation!! Got so humiliated when my debit card did n't work, for the first time in my life! Eventually they forced me in to closing it ...!!!?? 
I have talked to many people from the bank but nobody is telling me what happened and why? 
They did mention something about being born in XXXX ( XXXX, which was decades ago!! )!? But that 's it! I still have other accounts with them, is it gon na happen to those as well? XXXX XXXX XXXX did it to me before! So tired of being treated like a criminal .I am a U.S. citizen and been in the U.S. for almost 20 years, preschool teacher mother of XXXX living my life peacefully, just want to know what is it that I have done to be discriminated against like this! 
XXXX & XXXX XXXX XXXX
Consumer complaint received 2021-04-21
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. (CA)

On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX/XXXX and XXXX XXXX XXXX. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and XXXX XXXX XXXX. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX/XXXX removed the account immediately and XXXX XXXX XXXX did the same thing, About three weeks after through my real-estate agent i find out that XXXX XXXX XXXX has re appeared on my credit report. being annoyed I contacted XXXX  XXXX XXXX FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give it to them.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Requested credit report from TransUnion. Upon receipt of report, found XXXX items ( i.e., liens ) on the report which did not belong to me. I obtained copies of court records showing that the XXXX liens reported by TransUnion on my credit report were not mine but, rather, they were liens belonging to other individuals. I contacted TransUnion and filed a dispute, file # : XXXX, with them. I also faxed to TransUnion the copies of court records showing that the liens were not mine. Nevertheless, TransUnion removed only XXXX of the XXXX erroneous entries on my report. To make things worse, TransUnion instead deleted a positive record from my record ( a bank loan, " never late '' and paid off ). Are these people idiots?!!!
Consumer complaint received 2024-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I had a long standing relationship with 5/3 bank ( headquartered in XXXX ). After being upgraded ( or so I was lead to believe ) to a savings account all XXXXXXXX XXXX XXXX. For the first time since my account opening I had outrageous overdraft fees coming out of nowhere and never given a straight answer as to the cause. I was enrolled in ID protection without my consent or knowledge at a cost of $ XXXX. I was not allowed to dispute the charges or resulting overdrafts from said fraudulent charges and the next thing I knew my accounts were closed. I recently received a letter from 5/3 informing me of their apparent internal data breach involving my information and that law enforcement was involved. The letter further gave me an enrollment ID # into a ID monitoring service that was fraudulent ( it did not work ). I have made several attempts to find out what is going on and this bank refuses to answer any requests. Furthermore 5/3 has sent my outrageous account overdrafts to collections!
Consumer complaint received 2022-09-05
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. (MD)

I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Consumer complaint received 2022-02-13
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. (MI)

I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OR)

Weve had this loan ( refinanced a couple years ago and the loan was sold to suntrust ) and hadnt had any issues until we signed up for bi-weekly payments. Since signing up the bank has had a hard time applying to money they take from our checking account ( we have automatic withdrawal ) to the mortgage. Twice they took the money and kept it in a holding account and then sent us a letter saying we were going to be late. We got that figured out twice. Then now I check the mortgage and the loan amount has gone up by {$1000.00}. Loans are suppose to go down. Well we had {$4000.00} in a holding account but their app was telling me that the payments were being applied. So now they have our money and are charging us interest on a loan theyre not paying. That is theft in my opinion. Weve had no-weekly payments set up since XXXX and have yet to have they payments applied correctly