davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

$ XXXX taken from my checking acct for a house I was trying to rent in XXXX On XX/XX/XXXX, I was searching for houses. I went on XXXX because all the normal sites weren't getting back to me. I was in a very desperate situation, trying to get out of an abusive living situation with my son. I found someone looking to rent their house out as a private landlord. I scheduled a tour that afternoon around XXXX. I used a code to access the property. We agreed on an immediate move-in for the next day. 

Things got really weird once I sent the money, but at that point it was too late. My acct had already authorized the payment. I was vulnerable and the person took advantage of my situation. I went back and forth with them for a few days, but eventually just blocked them cause it was getting me nowhere and they were harassing me. I filed a report with XXXX and they were unable to recover the funds. 

The person said their name was XXXX XXXX XXXX XXXX XXXX XXXX on the lease ). I think he might have been using a voice app or something because at times it sounded like he had a heavy XXXX accent. They also had the following emails associated with them : XXXX XXXX XXXX The man said his wife 's name was XXXX XXXX, which is who the money ended up getting sent to. They then told me I would have to pay an extra {$500.00} to move in and even more money to receive a refund. Total scam. 

I also filed a report with XXXX XXXXXXXX  who the home is apparently owned by. I wanted to submit this in case there is a way you can help me recover the funds, or if you have other people who have reached out about the same issue. 

*This is all the information I provided in a police report to XXXX XXXX on XX/XX/22. They got back to me and said these scams are at an all time high and are unable to open a case for something like this. 

Person scammer posed as : Name XXXX, XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, CO XXXX, XXXX Home Phone XXXX Email XXXX I have gone back and forth with Zelle and XXXX with no resolution whatsoever. I was on the phone with Zelle while I was sending the money and they told me that I could call them the next day if it actually left my acct and they would help me. When I called back, they then told me I would have to go through my bank. My bank was no help... even though XXXX XXXX XXXX apparently owns part of Zelle. Seems like a good way to XXXX over consumers. 

$ XXXX is A LOT OF MONEY. Especially for a single mom living off one income. 

Please help me resolve this issue!!!!
Consumer complaint received 2022-06-24
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$0.00}, {$400.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
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: Experian Information Solutions Inc. (TX)

n accordance with the fair credit reporting act XXXX XXXX XXXX credit # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-10-29
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. (GA)

he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact Experian. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

i seen this negative item on my credit report on XX/XX/2020 and sent SOUTH MS COLLECTIONS a letter on XX/XX/2020, asking them to verify the alleged debt or balance of {$2100.00}. the letter is attached to the complaint and the US CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Account XXXX XXXX XXXX XXXX loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. XXXX settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint
Consumer complaint received 2020-08-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$0.00}, {$400.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2020-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Gordon, Aylworth & Tami, P.C. (WA)

On XX/XX/2020. They identify themselves as a law firm called GORDON AYLWORTH & TAMI P.C. which they are not. They are a debt collectors. Sent me a mail threatening me for garnish of wages jail time about a debt that was taken out in my name while my Ssn was compromise during XXXX Data Breach. This was something I sent in docs to the original creditor about and to this debt collector.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I received a consolidation loan from a federal XXXX XXXX. XXXX of the stipulations of the loan was that I was to close my account with Chase Credit Card XXXX. A letter stating I wish to close my account, and a check to payoff the balance at the time ( based off the amount online ) was mailed out on XX/XX/2023. The payment was received by Chase and applied to my account on XX/XX/2023. The day they received the payment and letter should have been the date my account was closed ( if not date of payment receipt then day after which would have been XX/XX/2023 ). On XX/XX/2023 there was a charge from XXXX for {$20.00} and change that I did not remember was connected to the Chase card. However, since my Chase card should have been closed I thought I would receive an email from XXXX stating payment was rejected and to add a new payment method ; that did never occurred. During the month of XXXX, I began receiving messages about a past due amount on my Chase account. I checked the Chase account to make sure it was closed, and was shocked to find I had an overdue balance of {$130.00} and change. This was when I realized the XXXX charge was never rejected and that on XX/XX/2023 an interest fee of {$84.00} and change was charged to my account ; an account that should have been closed at the beginning of XXXX per my letter. I messaged Chase about the situation and asked that the interest charges and late fee be removed. They replied stating that the late fee of {$29.00} and interest charge of {$1.00} was removed. I also stated that per my letter that they received in late XXXX XXXX, my account should have been closed. I let them know that I would pay the XXXX charge that was charged to the account, but requested to have the {$84.00} interest charge removed. They replied that they could not remove the interest because it was a residual interest charge and that any further requests to remove the charge would be ignored and denied. I stated that it was unfair that my account should have been closed prior to the interest charge being assessed and stated that they were a horrible company to treat a long time customer like this ; a customer who liked their company and would usually pay on time. Since sending my last message I have not heard back from Chase, even though I received an message stating my message was received and I should hear back in 2 business days. It has been 4 business days.
Consumer complaint received 2022-12-15
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, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I made a payment on XX/XX/XXXX to XXXX in the amount of {$50.00} which was declined. I had {$580.00} in my account. I called Citibank on XX/XX/XXXX and spoke to a supervisor by the name of XXXX in the XXXX- she told me that she could not help.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (OH)

I wasnt aware that the original debtor sold the debt to a third party law firm the amount they are saying is owed they never reached out to me to settle the debt. They have been reporting to my credit as well these are all false and misleading practices the amount o they are wanting to collect is only {$160.00}. I dont know any of the people involved attempting to collect the debt my information has being given away without my consent to any of this.
Consumer complaint received 2020-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Navient is breaking federal law on many fronts. They allege that the federal stafford subsidized loans that I have do not qualify for Cares Act relief. They allege that instead of being direct from the federal government, they are from a private bank which is not the case. The federal government holds the paper on my loans. 

They have called repeatedly at off hours violating federal communications laws. They are collecting on loans that qualify for moratorium relief. 

I have requested an audit on these loans and for them to provide copies of the original promissory notes.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (KY)

Hello I contacted XXXX and Experian and they refuse to give me my credit reports I have been trying to contact them for XXXX years and they refuse to give me the information stating that I have not answered the security courses correctly so they informed me to mail them a copy of my picture ID driver 's license and proof of residency and I did that on both the cages which the last time was XXXX weeks ago they also refuse to accept the dispute letters that I gave them concerning XXXX XXXX agency which raise the price of the debt XXXX hospital bills which I turned in for XXXX XXXX fraud and now I received a letter for XXXXXXXX XXXX XXXX stating that I owe them {$2000.00} from XXXX which they had closed it but since student debt is being paid off now they come out and said as if XXXX the XXXX I owe them {$2000.00} so they turned me over to the XXXX XXXX Kentucky Department XXXX XXXX XXXX of collection and they said if I don't pay {$2000.00} in the next XXXX days they're going to take my home freeze my bank account and put a lien on my house and I will be homeless because I don't have a job and I don't have a bank account and I will upload all the information that they mailed to me thank you please help me
Consumer complaint received 2021-02-25
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. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-08-29
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: JPMORGAN CHASE & CO. (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.