davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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. (KS)

Experian as well as XXXX have repeatedly refused to investigate and remove an account for on my Experian Credit report listed as XXXX since XX/XX/2016 that was due to Identity theft. The only update they have done is incorrectly listed the account as Discharged in Bankruptcy. I have provided the attached ID Theft affidavit multiple times to Experian and they have failed to properly investigate each and every time and have failed to remove the account from my report as required by federal law.
Consumer complaint received 2024-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC (AR)

In XXXX I was informed my escrow had a shortage and this caused my payment to increase. I received an email from a third party that has made payments on my behalf before stating they would pay the shortage. I called my mortgage servicer and was told no information would be available until the payment was received. I allowed some time to go by before calling back and discovered it was not applied to the shortage but used as a principal payment. I had made a partial payment the same month and decided to not make a further payment until a new analysis was done to determine my new and correct payment. The person I spoke with was going to move the payment and call me back. I never received a call back so I called to speak with my POC. Of course you can never speak to anyone when you call they must be emailed and then they call you back. By this time its XXXX and I communicated all of this to her. She stated she would ask for another analysis and call me back. Once again she did not call back. During this time I called and tried to use the chat feature on the website to contact this person. She finally called me back and seemed to not even recall our previous conversation about a new escrow analysis. I asked her to have her supervisor call me and someone did. I was informed that now an analysis can be done, but I still owe the balance and they can not help in any other way. I sent a complaint letter and received a response called a resolution. I had asked if I could get some sort of forbearance until the analysis was complete and my new payment determined, but this resolution did not address my request. I was given a new escrow analysis and told it would not be applied until 2024. I also had asked for someone to call me because I couldnt understand how they could unilaterally decide how to disperse my escrow payments. It is now XXXX and I have yet to speak with either of the people that emailed me a response nor their immediate supervisors. The only calls I receive are from the call center asking when can I make a payment. I would and could make some payments, but its the principle, I have an issue that is not being addressed. I believe they misappropriated my funds and they need to be held accountable. Thank you
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00}
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (AZ)

I went to bank of the west location on XXXX XXXX, AZ. For {$1200.00} - on XX/XX/28. XXXX. 
Atm took my money. Processing message on monitor for like XXXX min. Then gave me a receipt saying transaction unsuccessful- Yet kept my money. 
I emailed, called bank, waited for XXXX hours. Lady named XXXX answered. She said I had to speak with claims department then disconnected call. I need this money to pay my rent.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit report item disputed on XX/XX/2024. 

Consumer TransUnion credit reports get locked out of viewing their credit report after entering any dispute. It's unfair that a consumer is locked out for disputing one item on a credit report. XXXX and XXXX don't deny a consumer access to their website due to a single dispute for up to XXXX days! If a consumer attempts to check too often by logging in to their TransUnion account, their account gets locked out, as happened to me today XX/XX/2024. The representative stated that it could be a username/password issue however, that was incorrect as my credentials were saved on the browser and the access was NOT locked out due to multiple incorrect attempts. I confronted the representative about it and they unlocked the account. Please STOP TRANSUNION from allowing them to stop displaying a consumer 's credit report due to a current dispute and even worse, locking a consumer from viewing their report by locking them out of their account. It's challenging and time-consuming having to go through their IVR system to qualify to speak to a representative. 

Also, asking questions about relatives that I have not been in contact with for over XXXX years and no longer living in the area and having that as a question including buying a home in a new state is an UNFAIR question. I had to ask other family members to get the answer/confirm that the person left the state that I thought she was living in, moved to Florida, and then confirmed that she purchased a home in Florida. It's an UNFAIR security question!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer/client/member of Credit Bureaus I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : 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
Consumer complaint received 2022-08-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (LA)

The school I attended is closed. It is on the list from the Department of Education for student loan forgiveness. 
XXXX XXXX XXXX XXXX, who was the owner of the XXXX XXXX XXXX XXXX plead guilty XX/XX/XXXX to charges of bank fraud and tax evasion. 
I was persuaded to get a private loan through XXXX  XXXX XXXX and promised a {$4000.00} grant by expediting the loan at a certain date. ( XX/XX/XXXX ) What I was not told was the loan would start accruing interest the moment it was dispersed. School did not begin until the end of XX/XX/XXXX. My loan was originally {$57000.00}. By the time my loan entered repayment the amount had grown to {$61000.00} ( XX/XX/XXXX ). The grant money was no benefit. 

Payments started XX/XX/XXXX. In over twelve years I have paid over {$26000.00} in interest alone. There is no set APR and the rate continues to rise.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was breached through a XXXX XXXX in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681.

After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain credit.
Consumer complaint received 2022-08-14
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: Self Financial Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-06
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: JPMORGAN CHASE & CO. (OK)

Someone hacked my amazon account, and used my chase XXXX card to buy {$360.00} worth of stuff from amazon. I didnt even have the card anymore it was cut up. I had just forgot it was still stored on my amazon account. I reported the charges as soon as I received the bill. They did an investigation and said it looks like I ordered the stuff so I was responsible for the charges. I filed a police report, they discovered it was not me. But they couldnt prove who it was so Chase is still saying Im responsible for it. I dont know what else I can do, its hurting my credit score. I have been dealt with this since XX/XX/2019. Help me please!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting on my experience report this account is in regards to identity theft. I cant even get anyone on the phone to verify my identity I have sent in paperwork with no return of information. Please request them to validate this account
Consumer complaint received 2020-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello Guys. I'm glad I was able to find you. XXXX, Equifax, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I've been a victim of identity theft. 
My credit has been negatively affected. 
There are several collections and hospital bills that have accumulated on my report that I have no knowledge of nor did I authorize. There also several phone accounts on my credit that I did not start, there bank accounts in my name that I don't own or never had.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to XXXX  Accounts # XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

inst 1881 Section 604 A Section 2 lase stales a consumer repoting agency can not furnish a account without my witten 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 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. 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 2021-11-28
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: HCFS Healthcare Financial Services of TeamHealth (FL)

there is no need for verification. mu first complaint asked for validation not verification, please send me validation actual proof with my wet ink signature Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Finances the car A XXXX XXXX XXXX to reduce the cost and expense of XXXX XXXX XXXX damaged in XXXX XXXX XXXX XXXXXXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XX/XX/XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation Cost by XXXX XXXX It was a total lost XX/XX/XXXX a XXXX XXXX XXXX Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (IL)

Describe what happened so we can understand the issue ... 
XX/XX/2015 I was contacted by ATG credit in reference to a Medical debt totaling XXXX for numerous accounts. I was advised that it had not reported to the Credit Bureau as of yet and in order to hold the account from further action I needed to pay the balance. I agreed to a one time payment of XXXX over the phone and advised that I would try to make a large payment the following month. On XXXX XXXX ATG withdrew XXXX out of my checking account. I called them immediately and was advised they had me on record authorizing this amount. I told them that it was untrue. They advised me they would review the recording and call back When the representative called back she advised me it was valid. I asked her directly if the recording stated I agreed to this amount or did I say that I would make arrangements for the amount. She stated I agreed to it which is a blatant lie. 

I filed a fraud complaint with my bank and the BUREAU OF CONSUMER FINANCIAL PROTECTION ( XXXX ) for the funds which were returned ... .. 

Today I received a call from XXXX for the same debt for XXXX I explained to her they have already reported to my credit bureau which she states they have not. She said they have sent numerous letters no letters have been received from ATG credit since their violation of EFTA. She demanded a payment arrangement and advised me it would be reported the following week. The previous payment arrangements were for the same hospital stay I believe they are finding a reason to contact me again by misinforming of the number of accounts/balance and I feel harassed and confused about what I actually owe. I will not give them any payment information based on the fraudulent abusive and unscrupulous actions previously. 

XXXX ATG Credit LLC said : Explanation of closure We have reviewed the account and determined that the complainant did agree to the payments but asked us to hold them until she contacted us back. The payments should not have been processed. We have placed the account on hold and as a courtesy have removed from reporting on credit. The account is still outstanding but we have pulled future payments and removed from credit. It appears the payments did not clear so the balance does remain outstanding but as a courtesy we have removed from credit for the time being.
Consumer complaint received 2021-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

, my student loans was supposed to have been paid off for student loan forgiveness that also it was supposed to been wiped off my name because of the college that I attended with XXXX XXXX and with that being said these colleges with accepting us without a GED or high school diploma and yet they still let us attend and go further with it when we was supposed to not finish under those circumstances cuz we did not have to ask history backup