davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX collections for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account. Transunion closing dispute without reinvestigation and removing fraudulent account.
Consumer complaint received 2021-06-24
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. (TN)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

There were inquires in my credit report that was not authorized by me. 

XXXX  XXXX : Date :XX/XX/2019 XXXX XXXX XXXX XXXX XXXX : XX/XX/2019
Consumer complaint received 2023-01-28
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: CLGF Holdco 1, LLC (IL)

XXXX XXXX XXXX really affected my ability to pay my creditors so I am asking for the charge off to be removed from all XXXX credit agencies.
Consumer complaint received 2019-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-10-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This XXXX XXXX card opened last year for almost XXXX is being disputed as it is not mine however it says it is a XXXX card now.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

there were inquires in my credit report that was not authorized by me. 

XXXX XXXX Date XX/XX/2019 XXXX XXXX XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/XXXX and XX/XX/2017 I missed two payments. I had moved due to job relocation out of state. USAA is supposed to be military and DoD friendly but they refused to work with me and are not understanding. Been a member for over 14 years and this is my first issue with payments.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute the inaccurate information on my credit report, as reported by Experian. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, but to date, I have not received a response. I believe that Experian is in violation of the Fair Credit Reporting Act ( FCRA ) for failing to address my concerns and correct the inaccurate information in a timely manner. 

The following are the details of the disputed accounts and the corrections I am requesting : XXXX Account ( Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : Dispute : I disagree with the reported balance of {$1000.00}, as I recall the amount being lower. 
Request : Kindly delete the information regarding the past due amount, as this account is closed and charged-off. Mark this account as disputed to prevent any negative impact on my credit score. 

XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : Dispute : This account is not mine. 
Request : Please remove it from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : Dispute : This account is not mine. 
Request : Please remove it from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : Dispute : The reported balance of {$390.00} is inaccurate ; I believe it should be a lower amount. 
Request : Do not report the past due amount, as this account is closed and charged-off. Mark this account as disputed. Verify and correct the Date Opened, Date of Status, and First Reported details.
Consumer complaint received 2018-03-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I spoke with XXXX XXXX XXXX on the phone in 2016 and agin in on my last phone interview with XXXX XXXX.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX Customer Service Department on the week of the Charge. I called the # on the Card.
Consumer complaint received 2024-03-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My property was stolen with false instruments, namely the Assignment of Mortgage has been notarized by a company ( Countrywide ) that was closed in XXXX, however the same company was used to foreclose nd auction off my home in XXXX. I am the owner of the property and have been fighting, it was only recently that the fraud set on my family to steal our home was identified, my husband a XXXX XXXX XXXX veteran could not take the stress any more and succumbed to an early demise on XXXX, XXXX. To think, he survived XXXX with all the killings  just to come home and be harassed to death by unscrupulous debt collectors. We were married for over 40 years. He suffered from XXXX, but we planned on spending our live together.
Consumer complaint received 2019-10-20
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-03-27
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. (PA)

I am a victim of fraud. Several inquiries were made fraudulently on my report. 
XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX On XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-27
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. (SC)

THIS ISSUE IS WITH EXPERIAN REGARDING THE ACCOUNT XXXX XXXX {$960.00} BALANCE ON ACCOUNT # XXXX  IS REPORTING AS XXXX/XXXX XXXX WHICH IS FRAUD AND IT IS SHOWING ON MY CREDIT FILE, AND I HAVE NEVER HAD THIS ACCOUNT. I HAVE UPLOADED A LETTER FROM XXXX XXXX PROVING IT ON THE EXPERIAN DISPUTE UPLOAD WEBSITE AND EXPERIAN KEEPS PLACING THIS ACCOUNT BACK ON MY CREDIT REPORT # XXXX-XXXX-XXXX. I HAVE ASKED EXPERIAN TO REQUIRE XXXX XXXX TO PROVIDE PROOF AND DOCUMENTATION TO SHOW THAT THE ACCOUNT IS MINE. XXXX XXXX NEVER PROVIDES PROOF THEY ALWAYS SELECT THE ELECTRONIC WAY OF REPLY. I HAVE PLACED A FRAUD ALERT ON MY CREDIT FILE FOR A REASON AND THAT IS BECAUSE MY INFORMATION HAS BEEN COMPRIMISED IN THE PAST. EXPERIAN HAS DELETED THIS ACCOUNT IN THE PAST AND PLACED IT BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION TO ME WHICH IS AGAINST THE FDCPA & SC STATUE LAW.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MN)

I was opened an XXXX XXXX XX/XX/XXXX. 

Card was sponsored by XXXX XXXX : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XX/XX/XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XX/XX/XXXX with XXXX because they said, they have't received the check i mailed to them. XX/XX/XXXX. 

On XX/XX/XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XX/XX/XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from XXXX XXXX. 

At the end of XX/XX/XXXX, I have contacted XXXX XXXX Department, but they told me the account was sold to Midland. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XX/XX/XXXX, I wrote a letter to _ XXXX / XXXX XXXX and XXXX XXXX, On XX/XX/XXXX, I received letter from XXXX XXXX Stating this account / matter relating was sold to XXXX XXXX XXXX, on XX/XX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}
Consumer complaint received 2019-10-20
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)

Dear Experian After reviewing your response to my dispute letter of the account listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. Youve chosen to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department and FTC. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

On XX/XX/XXXX I contacted Edfinancial to refund several payments I had paid off after XX/XX/XXXX, under the CARES act. I was told at the time the processing time would be 60 days. 

I called again in early XXXX just to verify my ticket was still submitted since I had not received any email or any confirmation of my request. 

I called again today on XXXX XXXX, XXXX and they are now telling me the time is likely more than 150 days for processing and then more for the refund. 

I understand the influx of calls and requests but even other servicers post Biden 's announcement are making refunds much quicker. 

I have graduate school federal loans and am eligible for XXXX in forgiveness. Edfinancial is the ONLY student loan provider who seems to be very nebulous with their response regarding how soon this refund will be processed. Other services like XXXX and XXXX seem to be taking days to weeks if even and some of my colleagues whose loans are serviced with these companies are seeing refunds extremely quick. I was told that the loan balances won't be reinstated until the refund is processed which now they make it seems like won't even be until XXXX at the earliest. I am worried because the application for forgiveness starts in XXXX and Edfinancial won't have any of these applications processed in time for us to get forgiveness. I was told via the phone that all I can do is wait and that verbally all they can do is let me know they submitted the request. I understand the influx of calls to get our money back is probably very overwhelming to the system but it's concerning that this can take up to 6 months when every other provider seems to be having a quicker turnaround time despite having thousands of requests. Getting this money back could be lifechanging for me. It is just extremely upsetting that other loan providers are restating balances within days to weeks while this company is telling me to sit back and wait. I have also been given mixed messages regarding whether the money will come back to me in form of check or electronically even though I paid via e-check. 

I am also upset as I just received a letter from them saying that my data was leaked in a massive data breach.
Consumer complaint received 2017-12-30
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: Resurgent Capital Services L.P. (IL)

To whom it may concern : I have several collections on file from collection agengy XXXX XXXX XXXX. ( account number ) XXXX on XXXX report and account number XXXX on my XXXX report. Please be adviced that I am disputing these collection accounts due to the fact that XXXX XXXX XXXX which utilizes XXXX XXXX Resurgent Capital Services, located at XXXX XXXX XXXX XXXX, S.C XXXX, does not currently have a license in the state of ILLINOIS to collect debts. The State of Illinois ] Department of Financial & Professional Regulation websites does not contain licensing verification for this " collection agency ''. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide physical proof that XXXX XXXX XXXX is in fact licensed to collect in Illinois. Your immediate response will be greatly appreciated.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Gentlemen I filed a complaint ( XXXX ) regarding my student loan repayment. Their response was that I had loans from the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXXXXXX XXXX, with a loan period from XX/XX/XXXX, to XX/XX/XXXX. These loans were consolidated in XX/XX/XXXX, and XX/XX/XXXX, also that I took out a consolidation loan in the amount of {$55000.00} to repay these loans. 

My two question for them is : If the loans were consolidated in XX/XX/XXXX and XX/XX/XXXX, why was my consolidation loan disbursed XXXX? 
What was the original loan amount for both of these loans? 

Please replay with an answer because the math and timeframe does not add up. 

Thank you
Consumer complaint received 2018-01-16
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: JPMORGAN CHASE & CO. (NY)

There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Due to the Pandemic I am still on unemployment. I had a automatic payment for {$45.00} which overdrew my account. The bank has charged a fee of {$36.00}. This fee will also cause other overdrafts to occur AND there will be another fee of extended overdraft since I will not be able to bring my account to a positive until my next unemployment deposit on XX/XX/XXXX. 
Transaction. XX/XX/XXXX Posted. XX/XX/XXXX Fee Amount. {$36.00} XXXX XXXX {$45.00}. 
Associated Transaction Amount Description OVERDRAFT ITEM FEE FOR ITEM {$45.00} XXXX XXXX
Consumer complaint received 2018-02-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage Response on complaint # XXXX is that wells fargo home mortgage does not answer the question at hand with the document that has been stated to make the instrument legally binding. Wells fargo home mortgage avoids the issue of forged document on there part. were not talking about no Foreclosed inXX/XX/XXXX. Stop playing games and making up false things that's not address. Were talking about the California All purpose certificate of acknowledgement is not my signature was this ever presented to me at closing or any time. Wells fargo has yet to provide all the closing documents back in XX/XX/XXXX. I have my originals in the package that was giving to me and there are over 20 lines and documents not sign. Wells fargo home mortgage claims there was only one signature line for a signer as on the California all purpose certificate of acknowledgement. They yet to prove that's my signature on the California all purpose certificate of acknowledgement as I appeared personally and sign. lets stop playing games as if I sign that document and provide proof to the document is my signature for the said instrument. Wells fargo claims they been trying to call stop playing games provide proof as well. 
Wells fargo needs to provide the documents I sign and have back in XX/XX/XXXX and explain why there are so many signatures pages left blank not some documents they forged after the facts. I need the original closing documents. Not every time trying to send some documents in XX/XX/XXXX that's not what were talking about. I still have mail sent US REG mail to wells fargo that's was not answered back in XX/XX/XXXX to this matter. Wells fargo never wants to provide the documents ask its always some game with documents not ask for. Wells fargo stated I sign so prove its my signature and provide documented proof from an document examiner that its my signature and stop sending excuses and documents that's not what the issue is about. there has yet to be a real truthful answer or proof by wells fargo. stick ton XX/XX/XXXXdocuments and stop playing games and lies of calling what are you calling for its simple provide only the documents you gave me in XX/XX/XXXX I have all mine s only the closing documents nothing else.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Waiting for my XXXX payout. I have been a Venmo weekly user for 6 years. I can not get verified to buy/sell/transfer crypto because it just bugs out to an error every time it tells me I need to identify some verification. I have talked to 7 customer account members. Nothing. Already published one complaint and got contacted just to tell me they are working on it. Its been since XXXX that I have reached out to Venmo for the first time. 7 interactions and nothing has been done. Millions of users per month. They can fix my error. And I demand it be fixed now. Missing out on about XXXX dollars in the present crypto value that havent been able to receive my money everyone needs to press up.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

there were inquires in my credit report that was not authorized by me. 

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX : XX/XX/2019
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Service, Inc. (TX)

I tried to contact the company about this illegal debt they're trying to collect from me the representative used abusive language and threaten to place this on my credit report which I have a lock on all all three major credit bureaus my information was compromised with XXXX  and my email account with XXXX  also and I think these people got my information illegally the name of the company XXXX XXXX their number is XXXX   XXXX-XXXX