davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting 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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

Around 2013 I got into IBR with XXXX XXXX at that time. The person who set up my loan repayment said that because of my income I would not have to pay anything. Immediately that changed. I received coupons in the mail telling me I had to pay about XXXX bucks a month. The next year the payments went to about XXXX/mo. My INCOME had gone down. So why were my payments going up? Then after paying for about 2 years I received notice that my loan payment would DOUBLE the next year to about XXXX/mo, after that it would go to XXXX/mo. How is this possible under IBR? When I called to discuss this with the company who had then become " Navient '' they gave me a run around that I was no longer in IBR since it was no longer available and that I had to get into a new plan. The woman on the phone was very nasty to me with this information. Since then I have received over 100 phone calls from them from different numbers every time and sometimes they use my old area code to call me trying to get me to answer them, I do n't. This is not because I do n't want to make some kind of arrangement but because I read on forum posts constantly about these tactics and that they even have you pay then say you never paid and put you in default. Now i go to the Navient website and it says I have a XXXX balance and that my loan was paid off by XXXX XXXX. When I try to call XXXX XXXX directly using numbers found on the internet I get Navient on the phone, or some other company.
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I do not have a contract with MDS. I am not liable for the collection of this debt nor am I responsible. I have never done business with this company. In fact, I have never heard of this company until receiving a copy of my credit report. MDS has failed to provide me with legal supporting documents. I requested the signed contract between me and this company and they neglected to provide it. Instead they sent me " ER  Admission papers ''. I requested an original itemized bill and they neglected to provide it. Instead they sent me a statement with a balance for " ER services ''. I requested a HIPAA release form signed by me allowing MDS to access my medical files they have neglected to provide that form all together. Not only are my HIPAA rights being violated by this company but so are my consumer rights. I attempted to disput this invalid debt via the bbb but to no avail. They continue to ignore my requests. It is my contention that MDS KNOWS they can not tie me to this account otherwise they would have done so when I made my initial request. MDS is BLANTLY disregarding the law.
Consumer complaint received 2017-06-16
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. (CA)

First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because   XXXX   XXXX    reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues :  1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher . '' 2 )    XXXX   XXXX  -action requested : To remove the  Status advis ory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.
Consumer complaint received 2019-10-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MS)

Already made an complaint against the company. Since then Navy Federal Credit Union switched the title of the loan account as Consumer Loan and not the vehicle loan that it was orginally labeled. This was so they can illegally transfer payments from one loan account to another. All payments that i made towards the vehciel loan was labeled so on the money orders. I have all copies of every money to include the certified mail statements.

I now do not have access to see statements at all or other accounts. The complaint that I made before was XXXX. This company has done me more harm than good. Veterans need to stay away. All of this has caused a lot of anxiety, depresssion, and I can't take no more.
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Once again I have spoken to SEVERAL representatives and they will not help me .... there are inquiries that were deleted BACK ON MY REPORT .... as well as a   XXXX   XXXX     XXXX  account that was deleted HAS BEEN REINSERTED ON MY CREDIT REPORT ... ... my good credit card accounts were irroneously deleted as well as some are reporting WRONG INFORMATION ... I would like ALL THE INQUIRIES  XXXX   XXXX  ACCOUNT DELETED as I told the representative that IT IS AGAINST MY RIGHTS AND THE FAIR CREDIT REPORTING ACT TO REINSERT DELETED INFORMATION
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I would like to state that Transunion is in violation of 15 - USC - 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordnce with the written instruction of the consumer. 
I the consumer never gave Transunion any written consent to report anything on my consumer report. I demand that you remove these inaccuracies off my consumer report. 
They are hurting my consumer report. Keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Transunion to furnish a report for me. 
Pursuit to 15 - USC - 1681 ( A ) 1 states that the banking system dependent upon fair and accurate consumer reports
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

My account with Wells Fargo was overdrawn due to an oversight on my part, I then in turn made a deposit to cover the overdrawn amount and the cover any additional payments that might have been coming into the account. The deposit was made using the Wells fargo  mobile application, the amount was received/processed and paid by the maker bank and the funds were released by  XXXX   XXXX . I notified  Wells fargo as to the situation regarding the deposit not being credited, I was informed by the initial Wells Fargo repre sentative that the funds were not released by the maker bank (  XXXX    XXXX    ).  I then proceeded to call  XXXX   XXXX  and they notified me that funds were released and the check was pai d to Wells Fargo, so therefore Wells Fargo would  be in possession of the funds.  <P/> I then called  Wells Fargo again to notify then if my conversation with the other bank, I was told that was n't true and that I would have to wait 10 c alendar days for the funds to be released by the bank. I explained again that  XXXX    XXXX   has already released the funds and the amount was paid. Therefore  Wells Fargo  was placing an unnecessary hold on the deposit. I was in turn passed on to an  executive customer service team that would be able to handle my request, after a conference call with both banks, it was confirmed that the funds were released to Wells Fargo, yet the representative on the phone then stated that though he had the ability to release the hold and therefore making the funds available to he would not do it and that I need to call the next day because it would be a whole business day later and then the funds would be released then or I would have to wait till Monday  XXXX  to have another manager  handle the request. I explained numerous time that I did n't need the money to make a withdrawal but rather to have the funds available to insure that payments that were to be made on the account would be processed.  <P/> I then explained to them that it appeared the bank placed unnecessary holds on the funds in order to keep the account in negative status so that they can generate additional fees in the consumer account. I
Consumer complaint received 2019-10-21
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX was added to my credit file on behave of an unsetteled debt from an old unpaid utility bill from XXXX. On XX/XX/XXXX, XXXX XXXX XXXX was paid in-full with a total payment of XXXX. The collection agency reported the payment and the account paid in full the by XX/XX/XXXX. On XXXX, Equifax reported the same account as not paid with a current balance do of XXXX. The same amount I paid a few weeks earlier. I disputed the update on XXXX, and XX/XX/XXXX and as a conclusion of there investigation has continued to report this false amount. I then contacted XXXX XXXX  XXXX and they have indicated that I do not have a balance due with them and that I have paid that balance in-full on XX/XX/XXXX and that they have submitted the change to the credit agencies on XX/XX/XXXX which is in-line with the facts since Equifax did remove the account from my report on XX/XX/XXXX. I don't know why Equifax is reporting this balance, I have even sent them proof of the payment.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all   XXXX   of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  XXXX
Consumer complaint received 2019-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion shows/reported that 2 hard inquiries were made ( they are both unauthorized hard inquiries ) They show that XXXX did one on XXXX XXXX, 2019 and again on XX/XX/2019. I have not applied anywhere and I am concerned of possible fraud activity against me.
Consumer complaint received 2017-07-13
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 've made a complaint to the CFPB on company  XXXX   XXXX   XXXX   XXXX   XXXX  complaint number  XXXX  and this response i received response STATUS Company has not responded to your complaint  XX/XX/XXXX   The company has not responded to your complaint.  <P/> We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds.  <P/> I 've disputed this account with equifax several times I was requesting documentation for them to give me that they had permission to claim these false allegations on my credit file and want it removed if they could not I hold no contract with this company and this company is unknown
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

On XXXX XX/XX/year>, my husband and I were victims of identify theft. 

We experienced delivery packages worth thousands of dollars arriving at our front door from XXXX, which we absolutely refused to accept and were immediately reloaded onto the truck XXXX. XXXX corrected the purchases, merchandise was accounted for and all was well. 

However, a package arrived from Macys. It wasn't ordered by us. Once again we had the carrier open the package. It was a pair of women 's boot worth {$380.00} charged to my account. I refused the package and the postal employee returned it to Macys. 

In XXXX we notified XXXX, XXXX, and XXXX of our situation, We contacted XXXX on three occasions after receiving their letters informing us if this isn't paid they will report us to the three consumer agencies, which are all aware of our XXXX situation. 


..
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CORELOGIC INC (CA)

XX/XX/XXXX it was reported in my credit report I dont have any services wth this company I called they said I have to call else where because they couldnt help me since I wasnt in there system.
Consumer complaint received 2017-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

Received notification on my credit report fro m TransWorld Inc stating a  owed a debt but they apparently mailed it to the wrong address because thats what the hospital had ( the original creditor ) I have perfect credit and explained to remove the debt and continued to be extremely rude and stated it was owed, I said I would contact the BBB which I did and the hospital agreed to remove it, and still nothing, it does n't belong on my credit report, I have receipts showing it was paid prior to placing it on my credit report, which I have now submitted to the credit report agencies. Still nothing.
Consumer complaint received 2017-06-17
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)

Someone has been opening credit cards in my name.  XXXX  company,  XXXX    XXXX    also known as  XXXX  even settled with me over allowing someone to fraudulently open accounts in my name. I have sent that settlement paperwork and police reports to Equifax, yet they refuse to remove the   XXXX   account. Additionally,  XXXX  authorized the removal of this account and they refuse to comply. Furthermore, additional account such as  XXXX  and  XXXX  have been opened in my name and they refuse to repsond to the submitted police report by removing the accounts. Finally, in the last  two  years I have n't authorized anyone to check my credit c=and they are constantly reporting people checking my credit even though my file contains an extended fraud alert.
Consumer complaint received 2017-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

I called Goldman Sachs on XX/XX/XXXX to speak to someone about the interest rate on my master card account. I spoke to someone by the name of XXXX and then asked XXXX to speak to a manager. XXXX told me that he was the highest person I could speak to at Goldman Sachs. He then disconnected the call.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I went to First National Bank in XXXX, NC todayXX/XX/XXXX. Cashed a check for {$500.00}. The teller gave me ( 4 ) {$100.00} dollar bills and ( 5 ) {$20.00} dollar bills. I took the cash to my bank, XXXX XXXX XXXX XXXX, and the teller noticed one of the {$20.00} 's was counterfeit. I returned to First National Bank and they would not rectify the situation ... I am basically out of {$20.00} because THEY gave me a fake bill. I surrendered the counterfeit bill to XXXX XXXX XXXX and obtained a form stating such. <P/>I am filling a complaint due to the fact that First National Bank needs to exercise more due diligence to use caution in making sure the banks do not issue counterfeit bills.