davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (IL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2023-01-30
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. (TX)

THIS XXXX XXXX XXXX XXXX  IS REPORTING AN AUTHORIZED USER ACCOUNT WITH A BALANCE OF {$1100.00} THAT I DO NOT OWN. I DO NOT OWN THIS DEBT I NEVER HAD ACCESS TO A CREDIT CARD UNDER THIS ACCOUNT YOU NEED TO VALIDATE AND VERIFY THESE CHARGES. THEY WERE NOT MADE BY ME I DO NOT OWN THIS DEBT THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDEITLY!!! 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XX/XX/XXXX. XXXX was canceled and I got another insurance company in XX/XX/XXXX. XXXX is now sending me bills for {$150.00} after they cancelled my insurance and I went to another insurance company. This is fraud. I am trying to buy a house my lender showed me this and this is holding up my homeland. 




XX/XX/XXXX XXXX has XXXX late payments on my credit. I need this removed I was never late and they have cause delay in processor my home loan also I have written XXXX and all credit bureaus yet the late pays for both of my credit are still coming up late. COVID delays were never my fault. They are in violation of 15 CFR 1681s-g 1XX/XX/XXXX XXXX & XXXX reported my payments late however this was do to a payment decreptance. I have never been late I need this remove to buy my home.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Chase is mishandling two disputes of {$100.00} from XX/XX/2022 for a Provider [ Dentist XXXX XXXX ] that has a history of documented consumer complaints. These charges need to be removed from my Chase Freedom XXXX XXXX XXXX XXXX. There could be possibly be a conflict of interest. I submitted documents to support my dispute but Chase simply held the dispute for some time and disregarded the evidence. The disputes were made because I paid in advance for XXXX but eventually cancelled because after doing more investigation it was determined that he damaged other client 's teeth including my mother 's. The first deposit was placed on the Chase card but the rest was paid with a different card. XXXX has a policy which allows for refunds for services not rendered. In addition I am submitting evidence from XXXX showing that XXXX offered the Provider a refund as long as he issued me a refund. The Provider took advantage of XXXX 's lack of authority as they stated to enforce a refund. I also provided to Chase on prior occasions emails where I asked the Provider for a refund and I informed him of the horrible work he did on my mother 's case but he ignored me.
Consumer complaint received 2023-01-30
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

these multiple attempts to collect multiple debts from accounts posted on my credit file from AVANTE USA {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank closed my personal line of credit without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history. 

Wells Fargo charge interest and fees without explanation.
Consumer complaint received 2023-01-30
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)

15 U.S.C. 1681-2 : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S.C 1681 : ( c ) The term consumer means an individual.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, & Equifax have violated my rights to privacy and have shown a disregard for my credit file. I have never given written permission to have anything placed on my credit reports, such as UTILIZATION of Credit, and TRANSACTIONS published on my credit reports. 
15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission 15 U.S.C 1681 ( A ) ( 4 ) Here is a need to insure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy.

In addition, it is also my understanding that Under the FCRA 15 U.S.C 1681 ( i ), every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I was notified that my account was cleaned out of {$50000.00} with a reminder of {$4500.00}. My identity has been stolen and I made a claim with Bank of America.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I bought a {$100.00} Mastercard gift card at the XXXX XXXX  XXXX ( XXXX, WA ) on Saturday. XXXX XXXX, XXXX. When my son went to use it, he learned it was not activated at the store. I called the number on the back of the card and it said there is a " problem with the card ''. I went back to the store on XX/XX/XXXX and they told me they couldn't do anything to activate it or return it, and suggested I call XXXX XXXX, XXXX, XXXX at XXXX XXXX XXXX XXXX. I couldn't get a live person on the line when I called this number and instead it seemed to be an upsell ploy to get me to sign up for all sorts of random services ( insurance, health care, etc. ).
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies. 

I have reached out to each agency individually to get this erroneous account removed with no resolve. 

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported. 

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit. 

It is Open on XXXX, Closed on Transunion and OPEN and CLOSED on XXXX.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies.

I have reached out to each agency individually to get this erroneous account removed with no resolve.

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported.

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit. 

It is Open on XXXX, Closed on XXXX and OPEN and CLOSED on Equifax.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (DC)

I opened a secured credit card with Discover Bank and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, Discover Bank did not take any steps to ensure my information was not being disseminated and used. Discover Bank also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with XXXX. XXXX opened my dispute and submitted it to Discover Bank. The results were unchanged and Discover Bank reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against Discover Bank was reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called Discover bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. Discover Bank should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

Line Questions XXXX XXXX payment is not applied to escrow or interest, principle balance does not change. How are the column totals dont change? 
XXXX we see a more typical payment with allocations to escrow and interest. The trustee payments are replacements for scheduled payments. Such payments should all be allocated to XXXX, interest, and escrow. 
XXXX, and XXXX same as above and the balance never moves? Why? 
XXXX same as above. 
XXXX XXXX, and XXXX if the escrow was XXXX  % annual requirement since XXXX  why was escrow being advanced? 

I contend spreadsheet is full of errors- where it is suposed to verify changeing balances.
Consumer complaint received 2022-04-03
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (TX)

I am an American citizen and I am very angry and disappointed at Sallie Mae. Covid19 have destroyed our life, our family lost all of our life savings and our family home. I decided to go back to college, I applied for a loan from Sallie Mae, at first I was denied because my credit was not up to date due to wife and I loosing our Job due to Covid19. Sallie Mae had requested a co-signer. The first co-signer, her credit was not excellent and Sallie Mae denied the loan. So I added another co-signer according to her credit report she has excellent credit and She is in possession of multiple real estate properties. To my surprise Sallie Mae intentionally willfully maliciously denied my loan. I have learned from my investigation, my sister who is a FBI agent and I don't mind providing you the badge number advised me that from her perspective as an agent, that Sallie Mae are profiling my application. She described it as if Sallie Mae has a policy of selective applicant denial. Based on confidential applicant nation of origin, there was confidential information has been placed in my social security file about my adoption name change. I was not born with name XXXX XXXX but my name was changed to match my adopted parents. I am advised by the FBI that the justice department civil rights division should look into Sallie Mae 's discrimination against me. I'm asking whoever agency responsible to get involved and prosecute Sallie Mae.
Consumer complaint received 2023-01-30
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. (NV)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN BUREAU is required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The following accounts were closed by me and should state that XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt US DEPT OF EDXXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX