davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Honestly I do n't have the dates. I thought this matter was resolved. I placed an order using a XXXX card for a portable air conditioner. After almost a month, I called to cancel due to the fact it was a heat wave coming and my family had no working air conditioner. I had to purchase one immediately, there for I no longer needed the one I ordered. Also, I had received no word from them as to the status of my order. When I had XXXX years ago, They would send out a card, keeping you abreast of the status of your order. When I called, the young lady informed me that the item had been delivered. I said, no, I am XXXX and I am home all day. No one has come to my door. She then proceeded to tell me to wait 5 business days and call back while they work on finding the information. I called back on the 5th day. I was spoken to in a most demeaning manner. The guy was rude beyond words. He told me that it was delivered to my door. I told him. I am XXXX and I am home all day. No one has come to me door. He proceeded to shout at me telling me it had so been delivered. Then he asked, did I ask my neighbors. Why would I? I have never had an issue with a purchase. I also, purchased from XXXX for several years, with no problems. Now I see on my credit report that I own them {$600.00}. I refuse to pay for an air conditioner I never received. XXXX should not be allowed to place that purchase on my credit. They are trying to hold me hostage unjustly!. I have had no one come to my door. I did not sign for any purchase and they should be made to remove that product from my credit period! I have had to take extra XXXX medicine because of this injudicious matter. Please help me!
Consumer complaint received 2018-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (SC)

Was contacted in writing on XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX  regarding a debt with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX referenced a correct account number for an account that I held with XXXX XXXX, and referenced an outstanding debt of XXXX. I have written confirmation from XXXX XXXX XXXX that my auto loan was paid in full effective XXXX XXXX - it appears that XXXX XXXX XXXX XXXX XXXX gained the information about my automotive loan through a review of my credit file via the XXXX XXXX XXXX XXXX ( found via a review of my credit reports completed on XXXX/XXXX/XXXX ). 

I have written a notification to dispute the validity of this debt, and will be sending it via certified mail within the next 1-2 days.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (GA)

In XX/XX/XXXX, 2017, several fraudulent charges were posted to my account at Citibank. I disputed all of them and after several rounds of verification, I have confirmed none of these charges are mine. Most were credited to my account, but one charge remained. I have called several times, told the charge will be credited, but it remains on my account. I am several months past due, late fees and interest are accruing, and I 'm concerned it will affect my credit. This charge is not mine and I should not be held accountable.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I have student loans thru Navient for XXXX XXXX education. I have fed loans, dept of ed loans, and two private loans. Every month i have had problems with Navient incorrectly allocating my payments and every month they send me letters saying my payments are late, late fees are being applied and my credit score may be affected. I call every month to have this corrected because all my payments are on time. I have never been late in payments. Payments are sent to the correct mailing address and clearly have the correct account numbers on the checks. Normally they correct it once they find their error but this time it was not corrected. I can not get an answer to fix this ongoing problem. I have called since end of XX/XX/XXXX to fix this. No one luck.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I requested an IDR plan ( Saving on a valuable Education ) in XX/XX/XXXX. I was under the understanding that my account was to be put in an administrative forbearance until my loans were approved for the XXXX plan. I was given misinformation. I realized on the same day that the forbearance request that was submitted by the customer service rep was incorrect and was not what I wanted after speaking with my wife. So, I called back on the same evening to inform them I that I only want an administrative forbearance to cover the period until the Saving on a valuable Education got approved. I was assured on that phone call that the one-year forbearance request would be canceled and the administrative forbearance for XXXX until the approval of XXXX would be applied to my account. Instead, my account was approved for a XXXX forbearance on XX/XX/XXXX that ends in XX/XX/XXXX. 

I have called back numerous times to try to get this corrected. Each time I call, I have been assured that this will be taken care and would be expeditated. As of today, I am still waiting my loan balance is continuing to rise with interest charges. I am not working my XXXX plan was to start on XX/XX/XXXX, with zero payments and no interest being added to my loan balance. This has truly been a nightmare for me. Here are some of the dates that I called concerning this matter : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the most recent call was on XX/XX/XXXX. There were so many other calls that were made between XXXX and today. 

I would like to have this matter resolved asap. I feel that on so many occasions the ball has been dropped. I have spoken with several of supervisors also who has assured me not to worry that things are being expeditated. But yet and still it's been almost two months and still nothing, no activity, no updates to my account, just the loan balances just keep rising higher and higher. Please help me resolve this, because I have been under tremendous stress over this, and I am still under tremendous stress and is now at the point of XXXX and feeling hopeless of ever getting this resolved. My loan servicer is Nelnet.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I detected three errors in my statement for my Bank of America Visa credit card. The first error was from XX/XX/2022 in the amount of {$800.00}. The second error was from XX/XX/2022 in the amount of {$1600.00}. The third error was from XX/XX/2022 in the amount of {$3200.00}. The total amount in error is {$5600.00}. All three transactions are listed as ACH Payment Refund. I did not request any payment refunds on my credit card, nor did I receive any payment refunds. These charges are fraudulent and as such, must be removed from my statement. 

I contacted Bank of America regarding this issue via phone on XX/XX/2022. They issued a new credit card number for this account and provided extra security online and by phone. I was told that I would receive a letter of resolution within 5 days and have received no such letter and the underlying issue of an outstanding charge has not been resolved. I did find an online document stating that all complaints must be submitted in writing. I don't know if this was present in my online account prior to my complaint or not, but I was not told that I needed to submit anything in writing when I called. I have mailed in a complaint, which was received XX/XX/2022, but have not heard anything further. 

One other thing of note : I was told that a number not associated with my account had been calling repeatedly and had been flagged as a suspicious caller, however, they were still allowed to make and receive the ACH payment refund request. This was allowed to happen, not once but three times.
Consumer complaint received 2021-09-09
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. (MS)

I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.
Consumer complaint received 2020-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

As refrence prior complaint XXXX in regards to FCRA none of these issues have been corrected per a response from Carrington Mortgage dated XX/XX/XXXX by referencing CFPB that they could supress info 60 days after a QWR derogatory reporting began on my account on XX/XX/XXXX I had not submitted a QWR until XX/XX/XXXX and there after only on the dates of XXXX, and XX/XX/XXXX of XXXX so as it stands my FCRA should have been accurate by XX/XX/XXXX it's not and in fact by their own admission the XX/XX/XXXX payment that was reversed was reported a missed payment when that was false.On XX/XX/XXXX I made a payment in the amount of XXXX and additional XXXX to Escrow account which dropped my payment to XXXX. With no payment due until XX/XX/XXXX On XX/XX/XXXX I made a payment in the amount of XXXX and an additional XXXX to my Escrow account which then dropped my payment to XXXX with the next due date of XXXX a response letter sent to the Department of Financial Services and myself dated XX/XX/XXXX that they didn't submit in full detail to CFPB pg XXXX states they added XXXX to my XXXX payment.Which is false the payment on XXXX in the amount of XXXX was all that was due there was no necessity to add anything per the additional Escrow payment on XXXX the account was paid in advance on XXXX no payment was due until XXXX in the amount of XXXX due to the additional XXXX paid to Escrow account. Carrington Mortgage Services has not added any funds to any monthly payment nor was it necessary to do so no amount of XXXX was due. 
Per pg 3 of the response on XX/XX/XXXX it was stated my taxes were projected at XXXX used to calculate my Escrow payment which was inaccurate as well my taxes were XXXX paid on XXXXPage 3 of response dated XX/XX/XXXX also references XXXX being placed in suspense on XX/XX/XXXX for which a falsified proof of claim was submitted to Federal Court on XX/XX/XXXX when all my account information per their own website showed the account not only current but paid in advance as well as monthly statements reflect corresponding information. FHA/HUD have also reviewed the loan/account and confirmed paid in advance on XXXXOn XXXX as well per Carrington Mortgage Services response that XXXX was attempted to be reapplied without success when no reversals alterations or were ever necessary my information should have remained in a factual state.To add insult to injury a full correction should have occurred on XX/XX/XXXX per the Carrington Mortgage Services response letter dated XX/XX/XXXX now another letter dated XX/XX/XXXX asking an additional 7-10 days is beyond comprehension.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX  XXXX. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX  XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (FL)

5th Request. Please be advised!! Ive sent in multiple dispute letters to XXXX XXXX and XXXX XXXX in reference to Southwest recovery account not belong to me being fraudulent. All disputes have been ignored. With the last complaint being sent in on XX/XX/XXXX and Southwest Recoverystated it was their first time hearing of this complaint which is lies please see attached FTC report from XXXX XXXX. Which is way over 45 days legally so now theyre saying theyre doing investigation again this is against the FCRA. Ive never done business or entered into a written contract with this business and I am requesting that they delete this fraudulent account from my credit file now today. I also have proof where letters were sent into the credit bureaus on XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XXXX XXXX so being that Southwest recovery is still investigating I will be called contacting my attorney and following a complaint with the attorney generals office
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (MA)

A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Security Credit Services, LLC (IN)

A place of harassment by the name of XXXX XXXX keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe XXXXSecurity Credit ServicesXXXX ANYTHING and I am tired of the harassing calls and mail.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this XXXX XXXX is XXXX points lower than the others because of this problem.
Consumer complaint received 2022-09-09
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: Kikoff Inc. (CA)

I have disputed all 14 derogatory marks on my credit report to XXXX  XXXX and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our XXXX XXXX XXXX.
Consumer complaint received 2022-09-09
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. (TX)

I was denied an extension of credit by XXXX XXXX. On XX/XX/2022, I applied for XXXX XXXX XXXX XXXX XXXX 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002