davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$8700.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I am currently a XXXX resident attempting to enroll in PSLF. I work for a non-profit and clearly am eligible. I have been submitting the required paperwork for a year to FedLoan Servicing to re-enroll in PSLF after my loan service changed last year. I have not been able to get in contact with them for over 6 months. I have emailed and called multiple times, and their online chat never is available for use. There are many eligible payments ( toward the 120 total ) that are not being documented this year. I am very disappointed in the federal loan service I am receiving right now.
Consumer complaint received 2021-02-23
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. (NJ)

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 2022-09-15
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. (TX)

XXXX Account number # 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 an account without my written instructions
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

I had my identity stolen back in 2018. A phone account was opened through XXXX in I believe in XXXX of 2018. I have reached out to XXXX numerous of times before they placed the account in Collection. Every debt agency they sell this account to removes it because I have explained to them that this is not my account. They have sold this debt to over 5 different debt collectors! They are refusing to move it even after I filed an Identity Theft report.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (IN)

On XX/XX/2022 i made a payment using Zelle payment system. The amount was {$300.00} to XXXX XXXX. The transaction ID is XXXX. XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully this transaction can be reversed. Thank you for all the help. XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There is a billing error on my capital one statements. This notice is Pursuant to 15 USC 1666. Capital one is practicing unfair credit card practices which has caused multiple billing errors. My full correspondence in regards to the billing errors are in the documents attached. This obligation was already paid for when capital one got my credit card. Pursuant to 15 usc 1602 ( l ) the term credit card means any card, plate coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. My credit card was used to obtain credit so I in fact extended the credit so this account was already paid. Pursuant to 18 USC 8 all debts public and private are the obligation of the United States so Capital One is in fact furnishing deceptive forms claiming that I owe and alleged debt when I do not. Pursuant to 15 USC 1602 ( k ) capital one failed to give me adequate notice that was supposed to clearly and conspicuously disclose the pertinent facts of the consumer credit transaction that took place with my credit card. Which is a direct violation capital one did not provide adequate disclosure in which I understood its meaning. Which resulted in me not benefiting in this transaction which has been unauthorized use. Capital One is in violation of 15 USC 1666b as a creditor may not treat any payment as late and there are multiple payments that are on my consumer report that is late and I have noticed Capital one of this error. I do not consent to capital one taking any adverse action to my accounts, closing my accounts, decreasing my credit limit or anything that will negatively affect me providing for myself and my son. Please check attached letter.
Consumer complaint received 2022-09-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Deposit Cash {$840.00} at the Santander Bank ATM machine on XX/XX/2020. I waited for the deposit receipt. Waited for my deposit receipt. A message on the ATM machine stated unable to deposit your money. I waited for my money {$840.00} to be dispense from the ATM machine. Unsuccessful. The manager Mr. XXXX informed me that he checked the ATM machine and discovered that I did deposited the {$840.00}. He called the claim department in front of me and stated that I did deposit the stated amount. He also stated that the ATM machine is out of service. Mr. XXXX submitted a claim for me. The {$840.00} was deposited into my account the next day. On Sunday XX/XX/2020 I discovered that my checking account was overdrawn. When I called Santander Bank Ms. XXXX from the claim department, she stated that my claim had a overage of {$620.00}. 
This amount was taking out of my checking account. I am a retire XXXX XXXX  XXXX XX/XX/XXXX Office. I serve for 25 years. My Total Monthly income is {$5000.00}. I am devastate that I a accuse of a crime. I will be taken legal actions.
Consumer complaint received 2017-09-08
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. (WA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Equifax is simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OH)

XXXX XXXX has not applied payments to my account that was made by the save the dream HAF program. Causing my account to be deliquent. The payments were made on XX/XX/25 via electronic check Batch # XXXX in the amount of {$6700.00}. They have had more than enough time to apply the payments but fail to do so. Instead they are reporting deliquent status to the credit bureaus. I have spoken to Save the dream and they said the status they show is paid and these are government funds.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (FL)

My venmo account was hacked and I was able to regain access to it but it looks like someone sent the person that had my account money. Now the person is requesting it back but I dont have the money since Im not the one that received it.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

company has placed an account on my credit report when in fact it is a closed account. 
The company XXXX XXXX has made me lost 40 points from my credit profile. The have deliberately place CLOSED account on my credit profile and they also has placed the account as OPEN AND LATE! account was closed in 2018 with XXXX balance. They have fraudulently placed an open account with a negative balance of - {$260.00}. 
I have NEVER request any new credit from this company.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has XXXX XXXX XXXX. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Betterment LLC (AZ)

Debit card and checks received in the mail from XXXX XXXX  for XXXX XXXX. I did not order them and never heard of that bank. Called to cancel that account. 

Debit card from Betterment Bank received in the mail for XXXX XXXX. He did not order, or ever hear of such a place. XXXX ( husband ) called to close the account. He was told the account was already closed and the person who opened it was already fired. 

Both occurred AFTER we put a freeze on our accounts. We have filed a police report.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solutions is trying to scam {$590.00} out of me saying that it is owed from a company called XXXX. They are saying that I am past due on a loan from XX/XX/2021. I have not used XXXX in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IN)

After Checking my XXXX credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with Citibank and said account was included in my bankruptcy in XXXX. To help locate the Citibank account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my XXXX credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, XXXX states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that XXXX and Citibank have on my credit report is not correct. I filed a dispute with XXXX to resolve this issue.
Consumer complaint received 2020-07-19
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. (OH)

Experian is reporting inaccurately. I did not authorize the Inquiry of XXXX or US SM BUS ADMIN ODA. 

XXXX took place on XXXX US SM BUS ADMIN ODA Took place on XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (WA)

I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.
Consumer complaint received 2020-09-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2017-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

As of XXXX XXXX, 2017 I have been trying to dispute inaccurate information on my Equifax credit report. I have been unsuccessful at opening a dispute due to the online dispute portion of the Equifax website being " temporarily unavailable ''. I have tried several times a day since X/XX/17, and as of today XXXX  the Equifax online section to submit a dispute is still " temporary unavailable. On X/X/17 I called Equifax to inquire about the technical issues on there site. The Equifax representative informed me that he  could open a dispute over the phone. I was then asked questions to verify my identity. I then Informed the rep that I wanted to now put someone else on the phone who I authorized to speak on my behalf to better explain the reason for my dispute and give all supporting details for me because the Equifax rep was having trouble understanding many of the things I was saying, because of my accent. The Equifax rep told me that even though I felt that I could not fully explain myself, he was unwilling to speak to anyone else but myself even though I authorized it. I feel have not been giving a fair chance to dispute this hurtful inaccurate information in a timely matter, because # 1 the dispute portion of the website has been down for several days and counting, # 2 the Equifax repesenative refused to let me hand the phone to someone who would speak on my behalf to to open a detailed dispute without a language barrier in the way. I have yet to be able to open up a dispute. I feel like I was treated unfairly and not given the same opportunity as others to open a dispute and have detailed information verbally given to support my claim.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IA)

X/X/2017 Equifax had a security breach and I have been informed that my personal and financial information mat have been compromised. Not sure what else to say besides this is gross negligence and under no circumstances is it acceptable for such a large company with access to credit information to nearly all of the population of the U.S. to all this to happen.
Consumer complaint received 2023-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NV)

They destroy my credit I ask for help and I was in hospital having XXXX XXXX and I have had access to my phone they lied about loan and grant
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MA)

i made the payment almost 2 months the company said sent information to equifax, i am trying to call to equifax but impossible login with my account i tried a lot times doesnt have solution, i did aplication to credit card and a loan to car but impossible equifax and the company terrible
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2021-03-04
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. (CA)

At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to Experian inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through Experian, which I did. After asking three different credit union associates for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the Experian dispute. As per Experian, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.