davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A problem back in XXXX XXXXand continued : Facts : I had a balance for $ XXXX with XXXX interest promotion that was expiring on XX/XX/XXXX. 

I requested another $ XXXX balance transfer promotion on XX/XX/XXXX for 1.99 % interest that expires on XX/XX/XXXX with a balance transfer fee of {$270.00}. 

I paid on XXXX XXXX, and XXXX of XXXX the $ XXXX balance that was expiring on XX/XX/XXXX. 

What happened in XXXX Statement : The bank took my XXXX payment of $ XXXX and applied it against the $ XXXX " just requested balance transfer '', and not against the expired promotion. 

I was charged 19 % annual rate fees monthly from XXXX of XXXX until now. Total interest charges to date are about $ XXXX. 

Called customer services many times with no solution, and was told it is what it is. The bank applied for your money the way it did.
Consumer complaint received 2023-08-09
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXXXXXX 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 2022-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have been in repayment status for decades and have made payments as required, with bulk of payments having been timely made. 
I have whittled payments down to {$2300.00} or so from much higher balance. 
I have now had several years of payments " reversed, '' without explanation, and have been sent a check by company Navient, which appears fraudulent because of typos in the letter attached. 
The check is for {$8000.00} or more, and loan balance has now gone up by this much. 
This is an illogical null concession. 
I anticipate that Navient is attempting to recover debts it has incurred as a result of recent lawsuit activity against it, at my expense, doing so because it is a XXXX XXXX, run by investors whose ulterior motives include purgicide against XXXX intellectuals like myself, who refuse to join white institutions, because they are all raceological obscenities. 
Because of this ulterior motive, I anticipate that I will have trouble depositing the afore-mentioned check, and that I will not be able to thus, transfer the monies back to the student loan account, therefore still having the higher balance left to pay. 

I have attempted to contact Navient several times in writing, by email, to no avail. 
I am due a response and a resolution that does not include excessive exposure to illogical bureaucracy so that Navient and staff can pledge their allegiance to raceological obscenity and XXXX mutiny. 
XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On Thursday XX/XX/XXXX, sometime around noon, I noticed a couple texts on my phone from my bank Huntington Bank, that there was attempted use of XXXX on my account, before I was able to respond I received a phone call from Huntington Bank, the man said he was from the fraud Dept and needed to verify it was me on the phone and asked for my username and he said he needed it to verify it was indeed me on the phone, then he said he had to text me a code and I would have to repeat it back, he texted me the code, I repeated it. He put me on hold, for a few minutes and then returned and said he had stopped the fraud, but had to close my account for me to log in for 24 hrs, and when asked if I could use my debit card he said yes, because that is my only way of purchasing anything. I thanked him for his help. I have an Autistic son I care for daily, and I left to go buy him some food and my debit card didn't work, so I called Huntington bank and said, I thought you gave me permission to use my debit card my son needs groceries and the woman said, we did not call you. And then I was informed the only money I have to my name at XXXX years old was taken out of my account by XXXX XXXX transactions {$500.00} plus dollars, including {$170.00} of my XXXX sons money, his account is linked with mine. I am also on XXXX and that is all I have and a debit card. Huntington closed my account, stopped my debit card, and told me I most likely will not see my money returned. I have no gas, no food and can't pick up my prescriptions, I have cried for three days, I am devastated. Huntington bank, within a matter of maybe ten minutes allowed a password change, an internet transferring put my sons money into my account, and XXXX XXXX transactions. I noticed much later that Huntington Bank did email me about password change and that someone asked for a code? I was with my son, not checking emails. They should have stopped this activity, I trusted them to protect me. Is there anything you can do, I also have many bills due, but no money no account no charge cards
Consumer complaint received 2022-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC. (CA)

There is a credit card debt in my collections when I recently ran it showing a " XXXX  '' credit card balance of {$880.00}. Back in XXXX I received threatening calls on my phone calling my job, spouse, and previous roommate 's saying If I don't pay they will collect my checks, when I first ask what debt this is about they said it was something back in XXXX which I was renting a back room, and many people had access to my mail. I recently on the date of XX/XX/XXXX to settle this debt with a 3rd party company Phone Number was XXXX info.halstedfinancial.com was the link, I will be attaching an email as well. I have been working on disputing this case which has been unsuccessful. Now by law I know debt collectors can not harass you, threaten you, call your place of business, and threaten to take your wages. I was verbally abused a couple years ago, and if the account was XXXX, I also know that they can not reopen a collection years later and have it stay on your credit report, it is even technically even past the 7 years as claimed. I find this unprofessional and wrong during hard times like this. This one debt that was not mine is haunting me and even preventing me from moving out of place of living which has caused me mental turmoil. I need help to dispute and remove this account, because my life should not be stopped due to people harassing 's me for something that was not opened under me.
Consumer complaint received 2022-03-04
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. (FL)

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 and I am writing to request EQUIFAX the method of verification for disputes in accordance with FCRA, I am requesting this information 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 XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} NXXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00} Original creditor : XXXX Balance {$93.00} Original creditor : XXXX Balance {$1100.00} Original creditor : XXXX Balance {$1000.00} Original creditor : XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-08-22
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. (GA)

I have asked Experian XXXX times to investigate the account XXXX XXXX XXXX # XXXX. Every time the response is verified as accurate. I'm starting to think the response is automated. I asked how and who was the information verified by at the company. I also sent XXXX XXXX XXXX XXXX letters. After not receiving a response I sent XXXX certified it was returned. Does this company even exist? I will include a screenshot from XXXX reporting their address on their website. I will also include the mail showing it was returned. I have never heard of this company and I have attempted several times to find out how they think I owe them. I am requesting this account to be removed immediately! This falsely reporting account is also reporting past due. On the last XXXX disputes XX/XX/XXXX and XX/XX/XXXX the dates were updated to XX/XX/XXXX and XXXX this is manipulating the statue of limitations. The account also shows highest balance is {$0.00} and original balance is {$3400.00}. This needs to be permanently deleted from my credit profile. I have the right to a XXXX XXXX accurate credit file. XXXX XXXX XXXX is in violation. I look forward to your prompt response as I have endured enough. It has cost me time and money.
Consumer complaint received 2022-10-01
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. (NC)

In accordance with the Fair Credit Reporting act : has violated my rights with the accounts listed below : XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX XXXX XXXX -ACCT # XXXX, ACCT XXXX XXXX, DEPT ED/XXXX ACCT # XXXX, XXXX, XXXX XXXX XXXX  # XXXX, XXXX, ACCT # XXXX, ACCT # XXXX, XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX-ACCT # XXXX XXXX-ACCT # XXXXXXXX XXXX XXXXACCT # XXXXXXXX XXXX-ACCT # XXXX, XXXX XXXX XXXXACCT # XXXX Laws listed below states my rights have been violated ; 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
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (PA)

My XXXX  sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, XXXX and Equifax ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : XXXX
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXXXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2022-02-13
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.