davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

NAVIENT NOT UPHOLDING SETTLEMENT - reporting the account on borrower and co-signer credit reports and did not pay back payments made post XX/XX/XXXX in defiance of the XXXX XXXX XXXX Pennsylvania, Consent Judgement and Order dated XX/XX/XXXX. 

My XXXX XXXX  loan ( $ XXXX ) was co-signed in XXXX by my sister, XXXX XXXX XXXX ) XXXX. Sometime last year, the loan ( > $ XXXX ) disappeared from my Navient account and my credit report. I never received any notification or refund of payments made after XX/XX/XXXX. As of XX/XX/XXXX, the loan is appearing on my XXXX credit report as not past due and closed. In the past few months, my sister/co-signer has been receiving collection calls on the loan and is being told she is responsible, I filed bankruptcy, and Navient has not been sued- All lies stated on a collection call. 

I called on XX/XX/XXXX and requested a copy of the letter they were supposed to send to me indicating the account was paid. I was told the letter would be to me no later than the XXXX or XXXX. As of today, I have not received the letter.
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXX number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was sold by a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ) They told me that they could redo my XXXX taxes of which I owed approximately {$50000.00} and make it at least twice as much less then the charge they would be charging me for the service. Also, they said they would include my XXXX taxes and would also beat my estimated due of which I told them it was also approx. {$50000.00}. After hearing from them that they guaranteed to save me at least double what I was paying I let them charge my Wells Fargo ATM card. They told me they would have my redo done by XX/XX/XXXX and my new XXXX return by XX/XX/XXXX. XX/XX/XXXX came and went with XXXX XXXX about my redo being done. So, I called them and after many attempts I finally received a call back and she told me they would look into it and get back to me. They called me back a few weeks later and said my redo from XXXX could not save me any money so they were not going to submit a new XXXX redo to me. But, she said they would have my XXXX return done in a few weeks. I explained that I had paid for the redo and the new XXXX returns. She said they would work something out with me but to wait till the XXXX return was done. a few weeks later the XXXX return was emailed to me. when I looked at it it showed I owed approx. {$51000.00}. More then what XXXX XXXX  had already told me it would be. I told them this was unacceptable and they were committing fraud. She then tells me they would do my XXXX taxes for me and do their best to make it as low as possible. I said NO! I want a complete refund since they did not give me what I was promised and I would not do business with fraudsters. She said she might be able to get some of my payment credited back but not all. I said that I would tell my bank and have the amount chargedback. Wells Fargo XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX # XXXX. ) said they would submit a claim. After many questions they sent a chargeback to the company. After many months Wells Fargo says I had agreed to the purchase and case was over. I wrote them back letting them know I never disputed making the purchase. I was disputing that I was ripped off and not received what they had agreed to give me. Wells Fargo has since charged my account the {$3200.00}. I was scammed and duped into paying this company for something they could not do and know I am entitled to a XXXX XXXX. Please HELP!! 
Thanks, XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I noticed that there were some unauthorized transactions in my account using both my Debit Card number and my XXXX information. In total there were 9 transactions made in XXXX, XXXX that were fraud. 
I called on the same day to the bank ( XX/XX/XXXX ) and reported these transactions, clearly stated that I am in XXXX, XXXX, and did not make or authorize these transactions, that they should be blocked or reversed. 

The bank issued a new debit card, however, didn't take any additional action in my account. After accessing my account a few days later, noticed that there are more transactions made on XX/XX/XXXX ( AFTER I contacted the Bank ) that were processed in XXXX even after I explained that I AM NOT IN XXXX. 

On top of that, the Bank charged fees for every international transaction that the fraudsters did using my account. 

I just contacted the Bank, they promised me again that they are reversing these transactions, however they said that if the Merchant changes their name, they will still be able to use my account. 

I've never felt so unprotected and exposed in my entire life. 
The process of reporting fraud was already a pain, because I am a business client and could not report these transactions online ( not through Desktop nor App Mobile ). I had to call several times, and they didn't take any relevant action. 

I'll be closing this account and opening a new one in another bank, but it can be left like this. It can happen with any other customer. 
I have no idea how someone had access to my card, it was with me the entire time, and I don't carry it, it stays at home. And how they also had access to my account details to use XXXX. 
This is unacceptable.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.
Consumer complaint received 2023-01-31
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. (MS)

I saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this identity theft
Consumer complaint received 2023-01-31
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (TX)

I noticed a hard inquiry dated XX/XX/2023 thru XXXX XXXX that an application for a Marcus XXXX credit card from Goldman Sachs Bank USA was approved and issued out in my name. When I contacted Goldman Sachs thru their customer service department they informed me that an application using my personal information was used. Everything they used was correct to verify except my telephone number. Goldman Sachs refused to give me the telephone number used except the area code was an XXXX area code. I then informed Goldman Sachs to block my account but not before they charged {$1100.00} to the account. Goldman Sachs informed me I needed to file a police report. When I tried to file the report the police department informed me since there was no one specifically to report it would be a very vague police report. Goldman Sachs then directed me to get on identity theft.gov to generate a report which they will use to cancel account and I will not be responsible for charges incurred due to fraudulent identity theft.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (NC)

First Credit Service is attempting to collect on a bad debt in the amount of {$84.00} the original creditor is : XXXX XXXX XXXX / XXXX, MA Dated : XX/XX/2016. I have never had a gym membership with this gym. 

In addition to that, I NEVER RECIEVED A RIGHT TO DISPUTE NOTICE, pursuant to the FCRA and the FDCPA..which as a consumer, I have the legal right to dispute and or request validation of any alleged debt that a collection agency is attempting to collect on. In this case, my rights have been clearly violated and this agency is in violation of the federal law. 

I have no knowledge of this account I haven't lived in MA in over 10 years and if the account were mine and it is NOT ... would it have reached the statute of limitation for reporting? This company has no proof that this account belongs to me.
Consumer complaint received 2020-11-13
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CT)

I attempted to resolve the matter with Monterey and pay to close my account with collections and with XXXX XXXX XXXX XXXX XXXX ( the company that sent the debt to Monterey ), but they stated that can not be done. I sent a cease and desist to Monterey, so they can no longer contact me, but they are still reporting to my credit. I do not intend on paying them if they are not providing options to close my account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX and with them. Pursuit of this matter by Monterey is frivolous. 

I will resolve the matter of my debt with XXXX XXXX  directly. I will escalate this matter to the Federal Trade Commission if necessary.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IN)

I have a XXXX XXXX credit card issued by Chase. The card was advertised heavily to offer one free checked bag per person when the card is used to purchase XXXX tickets. Several times XXXX has required me to pay to check the bag, but has then refunded the amount I paid. For a trip in XXXX, however, XXXX refused to refund the amount ( {$150.00} ). I tried to dispute the amount with Chase, but they will not let me file a dispute, since I agreed to pay the charge when I checked the bag. Yes, standing at the airport with a large bag an hour and a half before my flight, I agreed to pay the charge ( because I had no other choice ), and assumed it would be refunded. Chase insists I have no recourse with them, even though it was their advertisement of the incentive of free checked bags that caused me to apply for and use their credit card. The flights were on XXXX XXXX, XXXX  ; my husband and I were each charged {$75.00}. I have talked to Chase on the phone and tried to file a dispute through their web site. ( XXXX agrees that I was not supposed to pay for the bags, but they issued a travel credit for {$150.00}. I have told XXXX I don't want a travel credit, I want a refund, but no-one at XXXX seems to have the authority to reverse the travel credit and issue a refund. )
Consumer complaint received 2020-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX Shellpoint Mortgage Servicing for the first time produce a Note and Security Instrument as evidence for their demand of payments for Loan # XXXX FHA # XXXX Deed of Trust dated XX/XX/XXXX. I never signed, I never agreed, and I never assumed any responsiblites or obligations for the note and mortgage Shellpoint produce on XX/XX/XXXX. Shellpoint see to put obligations on me which I never signed or agreed to. Shellpoint falsely represented to me and cfpb that I signed and assumed the note and security instrument, this is completely false, see attached response from shellpoint. 

Shellpoint demand I paid a bad debt that was created base on fraud, misrepresentations, omissions, and concealment. I filed a police report and Identity Theft Victims Complaint and Affidavit XX/XX/XXXX, see attached. 

I request Shellpoint to closed all accounts they created in my name and remove the bad debt from my name. And issued a letter that I do not have any responsiblites or obligations for the purported note and mortgage debt.There is no outstanding mortgage loan and/or balance for me or my property
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2020-07-17
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2023-03-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX  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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate BANKRUPTY CASE XXXX XXXX XXXX BANKRUPTY CASE XXXX XX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES
Consumer complaint received 2023-01-31
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: LEXISNEXIS (GA)

YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX