davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
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. (AR)

I reached out to XXXX, Equifax, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, Equifax, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX I'm complaining about your failure to respond to my request to provide XXXX, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed Chaper XXXX bankruptcy in XXXX in XXXX, Texas. On XX/XX/XXXX I was granted a discharge having paid all my creditors. Bank of America, however, refuses to correct their reporting to the credit agencies and, in fact, sold the debt over to XXXX XXXX, a collection agency, on XX/XX/XXXX!! 
I have a clean slate yet Bank Of America refuses to correct errors that reflect poorly on my credit report. Information that is incorrect and has had a negative impact on my life. 
To their credit- XXXX XXXX has not contacted me at all. 
I was given this information as a result of contacting Bank Of America at XXXX.
Consumer complaint received 2021-02-26
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)

There is one account that is appearing on my credit report for all three bureaus that does not belong to me. 

XXXX  - Acct # XXXX XXXX {$0.00} Opened XX/XX/2019 XXXX
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ME)

On XX/XX/XXXX, I received mail from Midland Funding LLC about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last four digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XX/XX/XXXX ; received XX/XX/XXXX ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).
Consumer complaint received 2017-11-29
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: CITIZENS FINANCIAL GROUP, INC. (MO)

My credig report shows a hard inquiry for XX/2017 made by XXXX XXXX that i did not authorize. I do n't know who or what company that is. I did not authorize that. Please remove from all 3 credit bureaus. Thanks
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (FL)

The collector ( Professional Dept Mediation, inc ) has reported to credit report that i have a balance with there clients.i do not have a balance.i leaved there for XXXX years always paid on time never late.i completed my rent.They bushed me out because the complex was going to be converted to condo and they where selling them to future owners so old management company who was there for XXXX years got fired replaced by a new company brokers so they can sell and convert XXXX XXXX to XXXX investment.there was a war on administration old to knew.i left when knew company was coming and i did n't want us to renew the lease so i was forced out.that was almost XXXX yrs ago.now they say i have a balance {$3700.00} its a lie .i need help please.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (VA)

Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments after graduating. It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, advantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They didnt even give us an receipts or confirmation emails which is I think is very shady. Therefore, we wont even have anything to prove for forgiveness.
Consumer complaint received 2017-10-04
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. (IL)

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ... Their report # XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (NY)

My daughters loans were taken out through Parent Plus loans which according to the TPD so Mohela sent a notification that all her loans were sent to XXXX who did the Total Permanent Discharge of all of her loans dated XX/XX/scrub>XXXX  I have the letter from XXXX that all of her loans were TPD status I am disable and have been for awhile. 

And they keep sending me correspondence as if they are not aware of the status. I have terrible aXXXX due to this I have been put on XXXX XXXX  due to the constant negligence of Mohela. They are aware that all loans were TPD status. If you log on to studentaide.gov the balance shows {$0.00}. on all loans
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I disputed the following transactions with Bank of America because my card stolen : - XXXX AU XX/XX/XXXX PURCHASE XXXX AR - {$290.00} - WORKER CREDIT XX/XX/XXXX # XXXX WITHDRWL - {$480.00} - WORKER CREDIT XX/XX/XXXX # XXXX WITHDRWL - {$500.00} They are charging me with this because they don't believe that it wasn't authorized by me. 
They advertise " zero fraud liability '' so I don't understand why they want me to pay them. My accounts are overdrawn by thousands of dollars from them reversing credits from my account. This is so stressful I'm thinking of just killing myself because there is no way I can pay this.
Consumer complaint received 2017-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

I have had to send in multiple papers when I was in the hospital for a year and when I couldnt work. I had doctors fill out the paperwork but Navient kept saying the dr didnt fill the paperwork out correctly. After 4 times my dr said wed went over everything and still they say its not correct. I have called multiple times for loan forgiveness. I get calls XXXX it never stops and its back to back calls. The first person doesnt even hang up before another call comes in. These people are difficult to deal with and have poor management within the customer service department. This mess has been going on for more than 5 years. I need them to stop.
Consumer complaint received 2017-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all three of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

On XXXX/2017 I sent XXXX and also XXXX  and letter of dispute pertaining to a debt that I received from, National Credit Systems , Inc.. They wrote me back saying that it was verified, however, they basically ca n't send me proper verification that the account belong to me. The amount they 're saying I owe is {$1200.00} and it is my understanding that XXXX and XXXX should recheck the items with the creditor who posted it on my credit.
Consumer complaint received 2017-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

I took 3 ParentPlus loans for my daughter 's education at XXXX. Two were deferred, and I was paying on one. I had direct debit from my checking account and set up the account for PHEAA to withdraw an extra {$30.00} a month. When my daughter graduated, I consolidated the 3 loans and termed them out. I also filed a " change direct debit '' form to cancel the extra  {$30.00} per month. However, despite numerous requests and contact with customer service, they continue to withdraw the additional {$30.00} each month. In XXXX they told me it would take an additional billing cycle to institute the change. In XXXX they told me I had filled out the form wrong so I had to resubmit it. In XXXX they told me they would put it into research. The XXXX bill was just released today on the website and it still reflects the additional {$30.00}. I have called them and e-mailed them repeatedly and no one will correct this problem. I am attaching a copy of the bill showing that they intend to withdraw the extra {$30.00} in XXXX. I am also attaching a copy of the direct debit details showing that only {$250.00} should be withdrawn, but they are still taking out {$280.00}. I can pay the bill and am not asking for payment relief - I just want to drop the extra {$30.00} a month.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

SYNCB/PPC Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2400.00} Balance Owed {$2400.00} Payment Amount {$0.00} Credit Limit {$2100.00} According to XXXX, XXXX XXXX your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. I thereby and hereby demand to see a copy of the Verifiable, Validated Proof ( a Certified Copy of the original Signed Consumer Contract, copies of copies are not Validation and by Law are not considered Legally compliant proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed from credit reporting. If you are unable or unwilling to provide me with a copy of the verifiable/validated compliant proof that you have on file within 30 calendar days from the receipt of this notice, for the account ( s ) listed above then you must at once remove the account from XXXX XXXX credit reports. I demand the account be verified or removed IMMEDIATELY! The law is VERY clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law.
Consumer complaint received 2017-10-04
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. (FL)

Existing Problem : I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number on XX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX XXXX. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. 

Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXXXXXXXXXX Thanks for your attention to this matter.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX I'm complaining about your failure to respond to my request to provide MOV, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate XXXX XXXX XXXXXXXX XXXX  # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the XXXX and Equifax is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (GA)

At Chase Bank, these transactions had gone through by the end of day XXXX/XXXX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$100.00} At the end of the day, my balance was {$2.00}. Here comes a check for {$180.00} XXXX/XXXX/XXXX. Chase Bank manipulated my transactions ALL the 3 items that cleared now were charged insufficient fees {$34.00} each ( {$100.00} ), clearly, the bank is stealing from me the customer. I called them and pointed out the issue but Chase representative did not adhere to my complaint.
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (WA)

XX/XX/17 - This is the 2nd time that comenity bank has contacted me through my employer.  this time they mentioned the call is personal and is being recorded.  The call was transferred to me and I requested they remove my employers number and that they never contact me at this number and they disregarded my request and continued to ask me personal questions to gather other contact info such as a date of payment, an address etc.  I want them to not call my employer.  I cannot have this reflect upon me at my place of employment.
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (GA)

I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements.
Consumer complaint received 2017-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

On Tuesday XXXX XXXX Wells Fargo called me to say that someone had just tried to transfer {$2500.00} with XXXX from my online account. I had not done this transaction. I went to my local bank, but they were not able to help me get my money back. I filed the complaint with Wells Fargo. They said I had to wait 10 days to see if I would get my money back. I have bills to pay, like my house and utilities. I want my {$2500.00} back.
Consumer complaint received 2017-10-04
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. (GA)

I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX  XXXX