davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

A payment I sent into Barclays Bank for my credit card for XXXX was miscoded by XXXX. They took XXXX. This resulted in my checking account being over drafted and fees of {$220.00}.
Consumer complaint received 2022-08-03
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-05-09
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. (CA)

Ive reported a lost card on XX/XX/2019 to CITICRDS customer service rep XXXX and opened a claim of fraud. 
On XX/XX/2019 discovered that charges were not removed and spoke to customer service rep XXXX and he promised that all of the charges will be removed immediately from my account. On XX/XX/2019 after still seeng the charges I've spoke to fraud dept rep XXXX and she also said that its is a mistake and charges will be removed. 
I received a letter of rejection on XX/XX/2019.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am making a complaint against XXXX XXXX XXXX XXXX because in XXXX of 2019 my account was compromised. I was aware that I had 2 lines on the account and then my phone was shut off due to lack of payment. I traveled to my local XXXX XXXX XXXX XXXX to find out why the phone had been shut off and why the monthly bill was now way higher than the normal. After speaking with a representative at my location I found that there were now 22-23 lines on my XXXX XXXX XXXX  account. I was shocked and so was the representative, solely because I had a personal account, which should have only allowed for a total of four lines. I was then advised to leave the account as it was and open a prepaid line so that I could have use of my phone until I could get to the bottom of everything. After another call to XXXX XXXX XXXX I was told that these lines were added to my account on XX/XX/2019 in XXXX. I was in XXXX, Florida at the funeral of my grandfather and could not possibly have added lines to my account that day. The only names on the account were my own and another gentleman of whom did not have authority to make any changes on my account. I, in some way, was still deemed at fault even given this information. I had no part in these lines being added to the account and have no idea how or who added them and should not be held at fault for these fraudulent acts.
Consumer complaint received 2021-09-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

Upon noticing that Ally Bank was reporting a negative charge-off on my credit report. I sent them a certified letter requesting Validation of the unfamiliar account that they were reporting on my XXXX credit report, with notification that I was disputing the accuracy of the account. Ally failed to prove that they had the legal right to collect on the debt in question ; they were UNABLE TO VERIFY THE DEBT. In turn I received notification from XXXX Credit Bureau that the Ally account was deleted from my credit report. A few days later I discovered ALLY HAD STOLEN MY CAR. ALLY has violated my Consumer Rights as well as broken the Law. Under the Fair Debt Collections Practices Act, it clearly states that if a Creditor Can not Verify the debt they may not collect the debt or otherwise contact the debtor about the debt. I have enclosed corresponding documentation.
Consumer complaint received 2021-09-17
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (UT)

I was unable to request my free annual Equifax credit report online, I kept getting an error message. I mailed a paper request form on XX/XX/2019 but have still not received my credit report. When I try to call Equifax to find out what the status is, I can never get through on the phone, I am on eternal hold. It shouldn't be this hard to get a credit report, I have no problems with XXXX or XXXX, just Equifax.
Consumer complaint received 2021-08-04
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)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not received a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Consumer complaint received 2021-09-01
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. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled
Consumer complaint received 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Dear CFPB My name is XXXX XXXX and I am a federal student loan borrower with Fedloan servicing. I have contacted FEDLOAN and disputed specific ineligible payments and Fedloan never responded. I am asking CFPB to contact Fedloan to fix the payments that inaccurately reflect ineligible. There are several payments made between XXXX to through XXXX that are not reflecting accurately. While those months report ineligible payments were accepted. 

Thank you for your guidance and assistance in this matter.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

Navient has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Consumer complaint received 2021-09-01
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. (NY)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Hello, So i have received a suspicious looking letter from a no return address hand written, claiming i have some unpaid parking tickets? on a rental vehicle I would have had over a year ago in a different state. 

I never got a ticket, or a statement from XXXX, my vehicle rental company or a message from the company that was renting the truck that an infraction had occured. The vehicle plate number seems correct, but that could be a XXXX thing, or Im miss remembering my info. 

I suspect its fraud also because the letter arrive today, XX/XX/XXXX, and it claims should I want to dispute I would have to have done so by XX/XX/2022. 

how do I ensure that it's not a legitimate error from a real collections company and not just an outright scam
Consumer complaint received 2022-10-15
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. (TX)

There are multiple " hard inquiries '' on my XXXX Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX provided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. XXXX letter was forwarded to XXXX on XX/XX/XXXX. However, nearly XXXX months later, XXXX has failed to remove the inquiry. 

-Equifax Mortgage Service XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. XXXX failed to remove the inquiry and did not respond to us.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Insikt, Inc. (CA)

Ask why was i being charged intrest only when principal of loan has not gone down at all. Only thing they said is to continue to pay and principal will go down loan was supposed to be paid in full according to terms. I ask for balance and i am denied account balance ive never been late.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

On XX/XX/XXXX I received promotion from US bank about XXXX $ sign bonus upon opening a new checking account. I used code XXXX and met all the requirements : completed direct deposits totaling {$3000.00} within 60 days of account opening and enrolled in e-Statements. I still did not receive my {$250.00} bonus. Please look into this.
Consumer complaint received 2022-10-15
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

I am having difficulty getting timely response from my loan servicer, FedLoan Servicing, regarding an error they made in processing Public Service Loan Forgiveness Employment Certification. 

In XX/XX/XXXX I submitted the Employment Certification form in anticipation of qualifying for Public Service Loan Forgiveness in XX/XX/XXXX. I received a response in XXXX where FedLoan Servicing failed to certify payments made from XXXX to XX/XX/XXXX that should count toward the requirements for Public Service Loan Forgiveness. I have spoken to FedLoan servicing monthly since XXXX regarding this issue. They have informed me that these payments werent certified due to an error made by their automated system in their initial review which listed payments from this time period as occurring prior to consolidating my loans with a Direct Consolidation Loan. In fact, I consolidated in XX/XX/XXXX. 

They have informed me that in order to correct the error they will have to review these payments manually and can not give me a timeframe for when this review will be complete. They have stated that it can take several months. They can not provide any additional information about steps that have been taken to correct their error. Despite the error occurring during their review, they have consistently blamed the delay and inability to provide more information on response time from previous loan servicers. 
I have asked directly about mechanisms to formally lodge my dissatisfaction and been told that all they can do is flag my account to show that I am not happy with the time it is taking to correct their error. 

I find their inability to accurately review paperwork and correct their errors in a timely manner and their inability to provide useful information regarding the status of a review including any commitment on their part to meet a deadline unacceptable. 

FedLoan Servicing and the Department of Education have been subjected to quite a lot of negative press regarding their poor performance in providing their clients accurate information and processing paperwork accurately and in a timely fashion. This negative press is well-deserved in my experience. I also find it troubling that they can not provide their clients avenues for providing feedback regarding their experience, nor can I locate anything on their website to provide feedback. It appears that they have no interest in improving their performance in these matters.
Consumer complaint received 2022-08-03
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. (IL)

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 inaccurate address I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate address : XXXX XXXX XXXX XXXX, CO  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  CXXXX, IL XXXX
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (PA)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
Consumer complaint received 2021-09-25
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. (GA)

Okay! What Im not understanding is why Ive had to contact and write Equifax several times regarding this account. 
XXXX XXXX ACCOUNT # XXXX Opened on XX/XX/XXXX {$350.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Equifax has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Equifax This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Equifax several times to advise them on unauthorized account access.