davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or Equifax. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

After finishing graduate school, I called Navient ( then XXXX XXXX ) regarding setting up an income based repayment plan for my loans. Instead, they put me into an interest-only payment plan and told me that I was eligible for debt forgiveness after 10-15 years of steady payments.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 you 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 block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 2023-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

My account at Chase was hacked for XXXX in withdrawal fraud. the monies were taken out with my debit card number and pin. I had the card and have never withdrawn on the account. When Chase sent me a new card more money was taken out before I had the card. 
I have not withdrawn on this account as it was a gift from my late father. Chase has only agreed to cover XXXX of the toal, claiming the remaining balance taken out was not fraud. It was the same pattern of XXXX taken out each time in a suburb of XXXX. I live in Florida. Chase will not send me the additional monies owed me. 

I am not trying to defraud Chase I just want them to reimburse me for a fraud they never even told me about unitl over XXXX was taken out. 
I am so frustrated. Please help
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc. (MO)

XX/XX/22 a most recent credit report revealed an account in collections. A letter was sent to XXXX XXXX asking yo verify debt on XX/XX/22 certified mail ; no response was received providing any of the information requested. Pursuant to 15 USC 1692 ( d ) .1, Cornerstone Credit Services, a collections company, has violated the FDCPA by damaging my reputation which is my credit history and score as their alleged debt has now been reported. I have never been contacted about this debt nor spoken to anyone and was unaware of the existence of said alleged debt. The reporting of fraudulent information by Cornerstone Credit, whom I have no contract or agreement with regarding any alleged debts or services, is defamation and stands as damages to my personal reputation. If Cornerstone Credit can produce a contract I have with them, I will gladly review and respond and I will be sending communication to them as well.
Consumer complaint received 2016-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

Navient took the payoff for XXXX of my loans, promised me that it would be applied to the loan to pay it off in its entirety, and did not apply it to the loan for payoff. My payment was applied across all of my remaining loans, resulting in additional interest and terrible runaround with the company.
Consumer complaint received 2018-03-21
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: Santander Consumer USA Holdings Inc. (MD)

I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

XXXX is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a safe deposit box at Bank of America and tried to cancel it XXXX years ago ( when I moved out of the area ), but they would n't let me and continued to pile up fees. I declared bankruptcy more than a year ago and the bank was notified as part of that process, but they ignored it and sent collection letter afterward. I wrote bank to refer and remind them of bankruptcy. Finally, bank sent me letter stating that they acknowledge bankruptcy, but they only would void fees prior to their letter ( XXXX XXXX, 2015 ) and they will not close box account and will continue charging me fees from XXXX XXXX, 2015 forward. Should n't the bankruptcy void all fees and close that safe deposit box account? 

It 's Bank of America and their box account # XXXX. My bankruptcy is a Chapter XXXX and case # XXXX ( NJW ). 

Please help!!!!
Consumer complaint received 2017-07-05
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. (MI)

Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Consumer complaint received 2023-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I am 3 years behind in my mortgage due to XXXX. I applied for and was accepted by MIHAF ( state of Michigan HAF ) for a grant amount of XXXX. My mortgage arrears are approximately XXXX ( I cant get a straight answer from LoanCare LLC, my servicer, on that amount ) The funds were sent to Loancare LLC who would not accept the funds because it did not cover the full amount ( I had hoped to do a partial claim for the amount not covered by MIHAF, which as i understand is an option under COVID relief. No one bothered to tell me the funds were sent back, or that my home was scheduled for sheriffs sale. I found out about that from a letter, from a realitor wanting to by my house and a copy of the sheriff sale notice. I have talked with approx. 7 different people at Loancare, two told me that yes they would accept a partial payment they others told me no they wouldnt. The only thing they will do for me is a loan modification, that will lower my monthly payment approx. {$100.00} dollars but extend my mortgate out 30 years. I have had my current mortgage 25 years and only have 5 years left on it. five years. and they want to extend it to 30 more years. How can they refuse funds and then extend my mortgage another 30 years????
Consumer complaint received 2022-08-10
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 you 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 block/remove these files. 

XXXX XXXXXXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 2017-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

I provide debt relief services, and Global Client Solutions LLC " GCS '' ( a subsidiary of XXXX XXXX XXXX ) establishes for my clients a sub-account within a master custodial account maintained at a FDIC-insured bank. My client ( s ) authorized a fee payment to me which GCS stole and absconded with the funds.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Our Company Advance Cash Express ( ACE ) has to recover the full amount due. Your case file # XXXX is handling by LEGAL DEPARTMENT OF ACE CASH EXPRESS and we are working with FTC, FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file XXXX BEFORE WE DOWNLOAD YOUR CASE FILE # XXXX INTO THE COURT HOUSE. 
This is part of it. And here is the other part NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

I spoke with them there was never any money deposited to the account they were talking about. They could never prove and when said it was not me and couldnt have been cause that account was closed months before they told me that it wasnt true. So i have no idea what to do. If can help would be great
Consumer complaint received 2022-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On XX/XX/22 and XX/XX/22 CIT bank collected sensitive personal info including SS # DOB etc As XXXX account numbers of other bank accounts I have with XXXX XXXX and First Citizens Bank without opening an account for me which according to XXXX who refused to give me his last name was due to problems on there end I am attaching confirmation that after linking to XXXX XXXX asked me to try a different way at which time I entered my account and routing XXXX XXXX this also did not work. 
This went on for XXXX hr XXXX minutes I have confirmation from. my identity theft service that CIT ran an XXXX XXXX on me also attached. As well as email from XXXX that they did link to my accounts without ever opening an account for me I informed XXXX XXXX XXXX XXXX that I wanted XXXX deleted he said he would pass my request on. 



I believe it is fraudulent to ask for linkage to other banks when I do not have an CIT Account. 

I am requesting that CIT delete all the identity and Bank account info I provided and confirm that they have done so. 

I am also request that the appropriate agency investigate CIT practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (NY)

Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.
Consumer complaint received 2018-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from Capital One.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, XXXX XXXX. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by XXXX XXXX. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from XXXX XXXX including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. XXXX XXXX in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. XXXX XXXX is attempting to collect on a debt that they purchased ( XX/XX/XXXX ) from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
Consumer complaint received 2017-12-26
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. (NY)

I recently found 6 accounts has been listed wrongfully by XXXX, TRANSUNION and XXXX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (FL)

My wife and I have a joint account for checking. It was used to pay our Discover credit card. My wife became a victim of fraud and all of our banking information at XXXX was compromised. XXXX changed the information but it was near the billing cycle and the payment for Discover was late. Ive never had a late payment in my life ( see credit report ). In fact, immediately following the notice, I paid additional principal and reached out to XXXX and Discover to dispute this but no corrective action was taken. This was bad timing beyond the control of my wife and I as I made attempts to correct this unfortunate event.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX collection account added to credit report XX/XX/XXXX balance : XXXX $ XXXX collection accounts added to credit report XX/XX/XXXX balance : XXXX $ XXXX XXXX account added to credit report XX/XX/XXXX balance : XXXX $ I Disputed These accounts XX/XX/XXXX with the creditors and they responded stating that the debt was valid but offered no proof of ownership to me and refused to remove it from my credit files.
Consumer complaint received 2015-08-08
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (PA)

XXXX has discriminated against me by not letting me create online account also, Filed a dispute not providing any help for dispute, XXXX rep XXXX, states that it takes 90 days to resolve a dispute. Card number XXXX Exp XX/XX/XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Credit karma is listing a closed account that was paid in full in XX/XX/XXXX. Portfolio recovery opened in feb. XXXX. It was paid in full for XXXX in XXXX of XXXX. They said they lost the copy of the check and they could not investigate it they were not able to go that far back. Please investigate it. This company is a fraud and its ruining my credit. Thank you. 

XXXX XXXX
Consumer complaint received 2016-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (CA)

ACS and XXXX XXXX conspired to illegally capitalize interest on my loans by removing the loans from Income Based Repayment ( " IBR '' ) and placing the loans into either forbearance or deferment status. XXXX XXXX holds the promissory note, ACS ( or XXXX ) is the servicer. ACS also hides its actions by placing the loans into " accounts '' or " packets '' that are not available for viewing on its website when I am logged into my account. ACS has attempted to prevent my loans from continuing in IBR every year through difficult to meet deadlines, although I have continued to meet the deadlines, yet ACS refuses to acknowledge IBR for certain loans. And, ACS has sent statements that my forbearance or deferment has ended, when none of my loans are supposed to be in forbearance or deferment, and I was mislead to believe the loans are in IBR. The amount of interest being illegally capitalized is between {$60000.00} to {$80000.00} currently, and this amount does not include principal amounts of loans. After 25 years the original loan amount will be eligible for forgiveness, but the interest that ACS causes to accrue illegally will be my payment and the IRS will collect this amount. Accruing interest in this manor is illegal. 
I attended XXXX, XXXX between XX/XX/XXXX-XX/XX/XXXX. Virtually everyone was pushed into loans with XXXX XXXX. I provided XXXX XXXX with proof that XXXX illegally inflated my tuition to qualify me for loans that I did not qualify for, but XXXX XXXX has not responded to this information yet.