davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I closed my Discovered secured card back in XX/XX/2020 and requested my refund. 
I was told the process would likely take 2 months to complete. 

It has been 6 months and after 3 failed attempts, I am under the impression that Discover wants me to give up claiming my deposit funds ( {$400.00} ). 

I have called them up at least five times now and they always say the check is on its way. 
Several weeks go by and the check never arrives. 

They have allegedly sent out 3 checks and I have provided 2 different addresses but the check never shows up
Consumer complaint received 2020-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

I am a XXXX and an employee of the XXXX XXXX XXXX ( SC XXXX ) I received acceptance into a XXXX XXXX loan repayment program called XXXX. This program is predicated upon me paying my student loans and then getting reimbursement year-end from the VA. 
The problem is my student loan servicer, American Educational Service ( AES ) keeps decreasing the monthly amount on my loans and not paying the balance we sent in and failing to notify us until after the fact. Now, without my consent or request, they have placed 2 of my student loans in " forbearance '' which will disqualify me from my loan repayment program. I have called and emailed them but they still have not taken the loans out. Decreasing my payment amount so the interest builds an I am indebted to them longer without my consent I consider predatory.
Consumer complaint received 2020-11-05
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. (LA)

XXXX XXXX  failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-08-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (VA)

I contacted US Bank 's subsidiary " Reliacard '' under the impression it issued debit cards according to US laws. I have not received a card in the mail as promised by representatives on XX/XX/XXXX that informed me my card would arrive XX/XX/XXXX, then again XX/XX/XXXX that it was just shipped that day. Since the subsidiary offers an expedited card with a hefty fee that is needed in this undercover recession, I noticed the company is using the approach of confusion to cause frustration into their compelling in need of the money for a card scheme. I live in the US and USPS run on normal schedule, I just don't U.S. Bank pretending to send something as they hold my money hostage.
Consumer complaint received 2022-08-02
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. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2022-08-02
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)

I would like CREDIT BUREAS to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. I inform Credit Bureaus by sending them certified mail on XXXX XXXX but no response until this day XXXX XXXX. Please remove this public record for violating the Fair Credit Reporting Act. 

Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed XXXX XX/XX/2021 Reference number : XXXX
Consumer complaint received 2019-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NC)

XX/XX/XXXX- took out HELOC with RBC ; lost job due to company closing XX/XX/XXXX- received letter from RBC would settle loan for less. Did not respond but stopped making any payments XX/XX/XXXX- decided to file bankruptcy or do modification XX/XX/XXXX- applied for modification with XXXX . They contacted RBC - told sold loan to PNC. PNC sent email to XXXX stating loan was charged off and no longer existed. Due to that fact I chose modification not bankruptcy XX/XX/XXXX-XX/XX/XXXX- made payments on house. Sold XX/XX/XXXX XX/XX/XXXX- closing attorney said RBC still had lien on house. RBC was contacted by atty and myself. They had no record of me ever having a loan. RBC Stated we needed to contact PNC, as  they sold all HELOCs to them. When PNC was contacted XX/XX/XXXX they said they had no record of my having a loan with them. Referred me to collateral research dept. They sent letter showing where the loan was charged off in XX/XX/XXXX, but I still had to pay the $ XXXXat closing or house was not clear to sell. 
Spoke to CFPA rep after this. Said I could file complaint. 
XX/XX/XXXX- having to pay this amount and then I only had a {$3000.00} check from sale of house
Consumer complaint received 2022-08-02
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. (VA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$4400.00} US DEPT ED XXXX XXXX : {$4400.00} US DEPT ED XXXX Balance XXXX {$3200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$1700.00}
Consumer complaint received 2020-08-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (CA)

After a repo, the lawyers doing collectios for the car company coerced me into signing a very vague Entry of Judgement by Stipulation by threatening to garnish our wages and which didn't disclose rates, or other important credit info. After 5 years of payments, ( {$150.00} a month ) I tried to contact them because I needed an extension of time due to being laid off. Instead they refused to talk, and then sent a letter of default which I never received. They immediately filed the entry of judgement by stipulation and assessed an additional XXXX to the account without even telling me this had been done or more importantly how it was done, or even explaining my rights. When we were notified of the judgement, we called and asked what we needed to do, and they asked for {$1000.00} in order to bring the amount current, and provided no disclosures of the extension of the term, additional charges, etc. When we asked for documentation to figure out when would this payment plan be done, the company repeatedly failed to comply on explanations of fees, checked our credit again, removed notes from credit report, and made not attempt to adjust the balance, that had been inflated by the filing of the judgement.
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

The CRA 's ENHANCED RECOVERY -- is violating FCRA FDCP laws. are very aware of the Fair Credit Reporting Act 623, Cushman v. TransUnion, US Court of Appeals for the Third Circuit Court Case 115F3.and d 220 US Court of Appeals , Ninth Circuit , No. 00-15946, Nelson vs. Chase Manhattan And Federal Debt Collection Practices Act ( FDCPA ) laws against re-aging time barred accounts,
Consumer complaint received 2020-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I attempted to contact IC systems regarding a debt from XXXX XXXX XXXX. The reference number is XXXX the representative and I agreed on a settlement amount of {$860.00}. I explained that I would pay once a letter was sent to my email stating that the account would be deleted once paid, They insisted that i pay first then they would send me a letter once they reported it to the Bureaus. I explained i was not comfortable paying without proofs of the agreement we had verbalized, They insisted that it was against the company policy, and refused
Consumer complaint received 2020-08-08
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (TN)

I have a loan with FEDLOAN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and FEDLOAN with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX XXXX : {$8000.00}
Consumer complaint received 2019-09-03
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. (UT)

I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TN)

XXXX XXXX XXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking and savings account with Chase on XX/XX/XXXX. I had fraud on my chase accounts back in XXXX and they had to close my accounts. 

I opened my accounts on XX/XX/XXXX and was assured everything will be fine and my account will not close. 

A week later i get a letter from Chase saying theyre closing my account and cant give me a reason why theyre closing it. I did make a deposit of {$50000.00} when i opened my account since i was putting my money in a new account. Dont know if that would be the reason why. 

Then i get a letter from chase today XX/XX/XXXX to call and confirm i opened the account so they can keep it active so now Im confused.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (AZ)

An unemployment claim was opened in my maiden name fraudulently by someone other than myself. I attempted to contact Az UE to report the claim as fraud. I was unable to speak with a representative. Therefore, I wrote in bold print on the eligibility letter " THE CLAIM IS A FRAUDULENT CLAIM '' and cut up the XXXX debit card and returned the letter and the card back to the Unemployment Office on XX/XX/27. I also reported the claim as fraud online. I have yet to hear back from Unemployment. Today I received a debit card from U S Bank RellaCard. After some research I've learned this is also a debit card to receive Fraudulent UE benefits. I am spending tireless hours trying to report this to the right people and prevent the claim from being paid. How do I get my name and SSN flagged. Please advise ... ..
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Activus Corporation (CA)

I applied for a mortgage refinance. I understand that this process will create triggers that other lending companies pay for to send other offers to entice me to go with a different company instead. I received many of these letters. There was one in particular that was not easily identifiable as an alternative loan pre-qualification offer. It does not have the name of the company at the top, and the wording of the offer makes it seem like I need to call this company as there might be something wrong with my existing refinance application. " We have important information regarding your mortgage loan and a new monthly payment option ... It is important you call our Loan Department ... '' Although all of the fine print at the bottom is similar to other offers, this offer seems somewhat predatory in nature. I found the name of the company providing the offer at the bottom of the letter : Activus Home Loans, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX. I am not a customer of this company.
Consumer complaint received 2022-08-02
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. (FL)

When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX bankruptcy discharged U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2017-11-08
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. (CA)

I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?
Consumer complaint received 2020-08-07
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. (AZ)

Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Consumer complaint received 2018-11-09
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: WELLS FARGO & COMPANY (NC)

I HAD NOT REVIEWED MY STATEMENTS IN A FEW MONTHS, SO I DECIDED I WOULD GO THROUGH EACH CHARGE CAUSE IT SEEMED LIKE I WAS PAYING MORE THAN WHAT I HAD USED IT FOR! AFTER GOING THROUGH I FOUND A CHARGE ONXX/XX/17MADE BY XXXX XXXX  FOR XXXX ONCE I FOUND THIS I CONTACTED WELLS FARGO AT XXXX I SPOKE WITH A GIRL NAMED XXXX SHE TOOK MY FRAUD CLAIM AND SENT ME A NEW CARD THEN A FEW DAYS LATER I GOT A LETTER CLAIMING BECAUSE I KEPT MAKING PAYMENTS THAT I VALIDATED THE TRANSACTION! I KEPT MAKING PAYMENTS CAUSE I DIDNT WANT MY CREDIT SCORE TO GO DOWN, AND I HADNT GONE THROUGH MY STATEMENTS IN A WHILE CAUSE I JUST DIDNT HAVE THE TIME! I DID NOT MAKE THIS CHARGE AND I DESERVE MY MONEY BACK.