davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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: LEXISNEXIS (IA)

XXXX  has failed to remove or reinvestigatebthe bankruptcy information they claimed they verified through Lexis Nexis. I have disputed this information 3 times with XXXX. After my first reinvestagation XXXX  stated in writing that they verified these bankruptcies ( public records ) as accurate. I have letters from the courts verifying they never verified anything with any CRA period. I also have a letter from Lexis Nexis stating they could not verify the bankruptcy information and that it was also removed from their records. Lexis Nexis stared they filed disputes with each CRA however the inaccurate info is still reporting on my XXXX credit report.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are XXXX.
Consumer complaint received 2020-04-22
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. (NY)

Experian did not fix error on my consumer credit report. ( XXXX XXXX XXXX ) currently reports as verified, while still reporting a last date updated was in XX/XX/2018. This is a violation for not sufficient be investigating this account.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

I've been trying for weeks to get a updated US bank XXXX by calling the XXXX XXXX on the back go through all the steps to be put on hold for a hr to get hung up on go on line cant get through go to the bank nothing cant get access to my funds thank you
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

The US Dept of Education had been inaccurately reporting debts to my credit report. I disputed these accounts twice, once over a year ago and more recently this year. Each time the US Dept of Education affirmed they were reporting accurately. There are numerous reasons why each of these accounts MUST be deleted from my credit report immediately. Here is a list of all the US Dept of Education accounts being disputed : U S DEPT OF EDXXXX Account XXXX XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00} Each account has been reported twice to my credit report therefore placing twice as much harm on my financial status. 
The wrong balance is being reported with each account MOST EGREGIOUS : Every account has been deliberately RE-AGED -Stating these accounts were opened on XX/XX/XXXX. This is inaccurate and NOT POSSIBLE as I Graduated college in XXXX. All these accounts were opened between XXXX XXXX and all over 7 years old therefore by law MUST be deleted. 
I will be attaching proof of when these accounts were opened, therefore proof all the accounts have been RE-AGED in a deliberate scheme to cause me harm. YES, I WILL BE FILING A LAWSUIT.
Consumer complaint received 2022-01-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

XXXX XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. Trans union has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Consumer complaint received 2020-04-22
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: FirstPoint Collection Resources (GA)

XXXX has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to XXXX  as well as FirstPoint Collections Resources Inc. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (TX)

In XX/XX/2018 The Receivables Management Services sent my final insurance bill to collections without an opportunity to pay. When I made the payment, I was told the account would be deleted from my credit. I also spoke with a supervisor on XXXX and was told the collection would be removed from my credit as a courtesy based on everything going on, along with this derogatory mark on my credit preventing me from getting a home.
Consumer complaint received 2022-01-05
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)

XXXX account XXXX. I have not supplied proof under the doctrine of estoppels by silence, Engelhardt v. Graves ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Dear PayPal Team, I am writing to express my disappointment and anger with your company regarding the recent limitation of my account. I have not received any clear reasons for why my account has been restricted, and the support teams seem to be composed of automated bots and clueless individuals who can not provide me with any meaningful answers.

I have heard similar stories from many other people, and it appears that PayPal often holds funds for 180 days and then transfers them into their account. This is a great cause for concern, as I do not want this to happen to me.

In order to clear things up, I would like to state that I have not purchased or sold anything illegal, and the only thing I have been doing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Despite this, my account has still been limited. 

I look forward to hearing from you soon and receiving a reasonable explanation for why my account has been limited.
Consumer complaint received 2022-01-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX , There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX , There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-06-22
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. (IA)

The following collections account and debt listed on my XXXX XXXX, XXXX and Equifax credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2016-12-06
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NE)

I have had a phone number call me 3-4x/day the past 2 weeks who is trying to collect a student loan debt from XXXX College . 

I answered once and explained to him that if we could consolidate the loans I would be more then happy to start paying them but he said they ca n't do that and that they will continue to call me then hung up the phone! 

I understand they are able to call me but 3-4x/day really?? 
They call around XXXX-XXXX. Once around XXXX, Once XXXX-XXXX then normally between XXXX-XXXX Example : XX/XX/2016 XXXX - XXXX calls XXXX - XXXX calls XXXX - XXXX calls again! 
HOLD ON NOT DONE YET! 
XXXX - XXXX CALLS AGAIN!!! -- excuse you my time is just as valuable as yours there is no need for you to call me this often. 

if you are a debt collector out there I want to give you a word of advice, if you call someone this often I am extremely frustrated right now to when I do answer that phone call wo n't be a pleasant conversation
Consumer complaint received 2022-01-05
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. (TX)

Experian is allowing fraudulent inquiries to be furnished on my consumer credit report. I've demanded valid proof of such inquiries and Experian has failed to supply me need information. They are violating me as a consumer.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Hello, Our loan carrier ( Rushmore Loan Management ) has owned our loan since XXXX. The loan has been owned previously by multiple carrier 's before Rushmore. Since acquisition of the loan, Rushmore has not complied by the law that was put into effect in XXXX called the Garn-St Germain Act. 

Under this law, the mortgage company can not force the due-on-clause sale if a parent ( who's name was on the loan ) becomes deceased. The mortgage company must provide a chance for the heir 's to be able to pay the mortgage at the same payment the parent had, especially if there is a transfer-to-child execution in which the child is stated on the title has joint tenant. The mortgage company must automatically offer same payment without the need for assumption/loan modification, etc. 

Since acquisition, Rushmore has not executed the law of XXXX. They have not given us notice about acquiring the same payment without hassle of offers ( Loan modification, assumption, etc ). 

In the past, Rushmore has explained that in order to get back on track, we would have to put down $ XXXX with payments close to {$7000.00} which is completely absurd. As well, our last statement sent to us stated the acceleration amount close to {$400000.00}. The original payment was around {$2300.00} a month. 

Recently, we filled out a loan modification to adhere to their standards and for the sake of the estate and trying to save our mother 's home. But, we are trying to understand why we have not been offered the original payment as stated by law since acquisition. 

Even the CFPB stated that the mortgage company can not pursue due-on-clause after parent 's death. In XXXX, the CFPB stated the interpretive rule.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

I am a victim of fraud at Truist Bank. I discovered fraudulent activity after receiving a postcard in mail from Truist Bank indicating I had declined overdraft protection for a checking account opened online XX/XX/2022. I never opened an account with Truist Bank, nor heard of them before that time. I thought the postcard itself was a scam to get my information. Especially after I spoke to the representative on the phone. I was forced to communicate via a XXXX number with a representative of Truist Bank who DID NOT understand the English language and continually asked for MY account number and my social security number after explaining I was a victim of fraud, instead of transferring me to the Fraud Dept as son as I mentioned fraud. After numerous calls and wait times, I was finally transferred to a Truist Employee Department ( further example of incompetence ) who spoke English and transferred me to the Fraud Dept ( weeks later ). During this time, I received two bank statements with negative balances and a returned fraudulent IRS check. 
The rep from the Fraud Department told me I had three accounts opened in my name in XX/XX/2022. The first account remained open, while the other two were considered fraudulent and closed. No one contacted me about this fraudulent activity. I asked the representative if they had an intention of notifying me about the other two accounts and he replied, No. I asked him why Truist allows accounts to be opened online without any form of identification. He replied, we have ways of confirming the information without identification. I am sure Truist can confirm my information is correct, but they can not confirm the information is being legally used without me and my photo Identification. I have been with the XXXXXXXX XXXX for 45 years. They require two forms of picture identification cards to open an account.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

My name is XXXX XXXX I have been asking navient for a better monthly payment. The amount they bill is to high, can not pay that much. I graduated last XXXX 2016 I have not found work yet but I have been XXXX and I have send them my pay stub and tax papers my husband has not worked for the past 10 years. it looks like they are giving me a run around, please see if you can help in this matter I would appreciated XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK (LA)

I have contacted Whitney Bank about the error they have in their system after Whitney Bank made threats to me in regards to charging my account for a check they may not have been cleared from the official creditor. I deposited a check into my account and the statement came back as if the deposit was initiated from Whitney Bank. The error was on their system because there is nothing wrong with the device that was used to deposit this check because I use the mobile check deposit frequent. I have never had this issue before with mobile deposits. Whitney Bank completely ignored the issue. They could not provide the correct copy of the initial deposit of the check. They couldn't apologize for the threats they made and falsified this entire interaction. The check deposit was originally issued from another MAJOR Financial Institution, Therefore I should have never received email threats from Whitney Bank to apply charges to my personal account because the check may not have cleared. They should have just been honest and said they didn't have the amount of funds to cash the check. The letters clearly show my name was not spelled correctly.
Consumer complaint received 2020-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

The congress passed legislation that indicated no interest to be charged on federally secured student loans as of XX/XX/XXXX. I made my payment for my XX/XX/XXXX due payment and the history shows the same/similar amount of interest charged month over month for same amount paid. I have asked Navient to provide a breakdown of interest charged for the loan and they have responded but the response is very limited in information. My account number is XXXX and I have 3 loans with them all under the category of FFELP. I got my loans as federal subsidized student loans and the explanation provided is that my loans are not owned by the department of education. What does that mean? Have my loans been sold to a private entity? I will write my congressman and senators as this is not what I understood my loans to be backed by.
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
Consumer complaint received 2016-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MN)

This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.