davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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. (MO)

I filed my Complaints # XXXX, XXXX, XXXX but when I checked it, I discovered that you have closed my complaints. Again, this is my 5th attempt that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. I sent letters to Bureaus on XX/XX/XXXX to remove these items but no response until this day. Please block the reporting of fraudulent items in my credit file that resulted from the alleged identity theft Per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

This is an addendum to my previous complaint against Mohela with the Consumer Financial Protection Bureau ( complaint ID XXXX ). On XX/XX/year>, I sent Mohela the following message on their mohela.studentaid.gov website : " I faxed Mohela a paper application to switch to the IBR ( Income-Based Repayment ) plan on XX/XX/year>. More recently, I submitted an online application through studentaid.gov to switch to IBR ( Income-Based Repayment ) on XX/XX/year>, and Mohela received that online application on XX/XX/year>. According to the website at XXXXXXXX XXXX XXXX it states : 'As described below, servicers may place borrowers into a different forbearance category, known as processing forbearance, if the servicers need additional time to process those borrowers applications to enroll in IDR, recalculate their payments on an IDR plan, or recertify their incomes for their IDR plan. In contrast to the general forbearance for borrowers enrolled in SAVE ( previously known as REPAYE ), interest will accrue while a borrower is in processing forbearance. Additionally, time spent in processing forbearance ( up to 60 days ) is eligible for PSLF and IDR credit. Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. ' I request to be placed into a processing forbearance now ( since I am still waiting to be switched to Income-Based Repayment ), for up to 60 days, so I can continue receiving credit toward Public Service Loan Forgiveness. I will also send proof of the processing forbearance I am requesting from Mohela to studentaid.gov and the Consumer Financial Protection Bureau, the latter of which I have already filed a complaint against Mohela with. Thanks. ''
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/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
Consumer complaint received 2024-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that l owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.
Consumer complaint received 2024-12-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I have had several issues over the course of XXXX where my Synchrony Care Credit card has charged me interest when Ive been paying on time. I have always paid enough to pay towards any balance that isnt part of a financed agreement as well as paying off my balances that are part of a promotional balance within their required timeframe. Yes I continue to get charged interest. Every time I reach out, Im told something different. I do wish they suggest ( pay a certain amount by a certain time ) and yet Im still charged interest. I most recently paid by total balance off ( one payment on XX/XX/XXXX and one payment on XX/XX/XXXX ) which was {$1900.00}. That took my balance down to XXXX I then made a purchase {$300.00} ( which was financed- no interest if paid off in 6months ) on XX/XX/XXXX. Today I checked my account and there is now an interest charge of {$4.00}. When I contacted them, I was told it was interest on interest from a previous purchase! How can I be charged interest on something that has been paid off?! Again Im told something different than every other time Ive called in.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MD)

My federal student loans transferred from XXXX to Mohela Dept. of Ed. I never had any issues with XXXX. However, when my loans were transferred to Mohela Dept. of Ed., my monthly student loan payment skyrocketed from approximately {$200.00} to {$1300.00} with no explanation even though it was not time for me to recertify my income. I contacted Mohela and they could not provide me with an explanation as to why but they mentioned that my income driven repayment plan was not transferred to Mohela. They placed me on an administrative forbearance in which I did not have to make payments for two months for them to attempt to find out the issue. The issue has still not been resolved despite me having resubmitted recertification documents.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was a victim of a scam that happened on XXXX/XXXX/XXXX. I got XXXX  checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through zelle. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a zelle claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( XXXX XXXX XXXX ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. Zelle department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.
Consumer complaint received 2022-08-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NC)

I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Consumer complaint received 2022-08-08
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries 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 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 block/remove these files. 
XXXX Date of inquiry : XX/XX/2020 XXXX XXXX  Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX Date of inquiry : XX/XX/2020 If you feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % 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.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I received a Jet Blue credit card in the mail from Barclays bank that I did not apply for XX/XX/year>. I called the bank 's phone number on the paperwork and spoke with a male representative with an XXXX  about my concerns. I told him that I did not apply for a credit card but it looked like this is what was sent in the mail. He asked me " did you recently go on a cruise ''. I thought this was a strange question, but I had gone on a cruise with my husband in XXXX so I said " yes. '' He told me " oh well this was just a promotion and not a credit card ''. I wanted clarification stating " So this is not a credit card its just a promotional thing that was sent? ". Again he stated " yes, there is no balance on the card, it is closed and you can shred it. '' I was relieved and then I did shred the card but I did take a picture of it first because I thought it was odd. Several weeks later I saw that my credit score was dropping and I received several credit card denial letters-cards I never applied to and realized that someone was using my information to apply for cards. Luckily the other cards were denied but the Barclays Jet Blue card that I was told was not a card now showed to have a balance of {$4800.00} on it. I put a freeze on my credit with XXXX. I called Barclays and reported the card and charges were fraudulent with XXXX. XXXX told me that the card was not closed initially because of fraud but had been closed " because you told us you had to many credit cards ''. This was a complete false statement and I never closed the card because initially I was told it was never opened and that it was a " promotion ''. After waiting for Barclays fraud investigation they sent a letter XX/XX/year> stating that their investigation showed that the card and charges were " not fraudulent ''. They continue to report late payments to credit bureaus and worsen my credit score. When I googled " Jetblue Mastercard Scam '' I learned of several other people that were also scammed this same way in Spring-Summer 2024. I have also received letters from 3 different companies that my personal information was hacked in the past 10 months and identity is at risk. I have attached paperwork from various cards that were applied for fraudulently as well as the notices that my personal information was at risk.
Consumer complaint received 2022-12-02
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: JPMORGAN CHASE & CO. (FL)

Chase bank is showing a company account that is in default as my obligation. 

I have asked for a copy of the signed credit agreement that makes me libel and they have not provided this agreement evidencing my signature guaranteeing the debt of a company I worked for. 

This is the obligation of Florida XXXX XXXX XXXX XXXX. 

They had a checking account opened for this company when this card went into default and I told them this as well as the name and phone number of the account and company owner. they never contacted the company or the owner and insist it is my obligation. 

All they provide is a copy of a typed form without my signature as proof I guaranteed this. I have filed disputes with credit agencies and they respond that the obligation is mine- yet they have no signature guaranteeing this debt from me. This fraud on the part of Chase to credit agency inquiry. 

They had sent this to a collection agency who dropped the matter when Chase could not produce a signature of guarantee. This is a mistake on the part of the bank and they are not responding with the truth.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2009 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY