davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$400.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$400.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity.

Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've desputed XXXX claims with Bank of America and they keep denying them iv| told them numerous times that i didn't receive the money that was taken from the account and i was unaware of these transactions, .. how many times do I have to get denied by them when i keep them the i was a victim of identity theft
Consumer complaint received 2021-03-25
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. (FL)

Please delete the fraud accounts from my credit profile. I believe after me filing a report you already investigated them. Could you please send me the results of investigation? I have never had these accounts and I do not know them. I became identity theft victim and I feel very uncomfortable to have this misleading info in my credit report. Actually I was planning to take a mortgage but just because of this fraud I can not proceed with my mortgage and my wife will be very angry. Delete them as soon as possible
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested information be removed from my Trans Union credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted Trans union, XXXX, and XXXX 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX Certified and XX/XX/XXXX Certified and XX/XX/XXXX phone and Trans Union again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This does NOT Belong TO Me There are several other inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( XXXX )
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Comerica (WI)

Hi CFPB I would like to remain anonymous and you may republish this if I can remain 100 % anonymous in my complaint direct Express The Direct Express Debit XXXXasterCard is issued by Comerica Bank has stolen thousands of dollars from me maybe four or five they've been stealing from me from the past years now I also have them on tape with XXXX in XXXX saying they were giving me all my money back they lied about that they also told her to hire department of XXXX that they also took {$500.00} for me XXXX said they did no such thing there was never any purchases for {$500.00} nor did I ever use {$500.00} on the card they were talking about to make any purchases direct Express also told me about 2 years ago that someone stole money from me and something about a XXXX come to find out I contact the company XXXX they said that was not true they haven't had the card on file they never had it in their company website or what do you do billing to say someone is using this car for this then the other they have no record on the car they told me to call my financial institution which I did they told me they would give me money back which they put on the card then took it back like the supervisor saying less than five minutes she said we owe you that money I don't know why they took it back to this day over XXXX to XXXX dollars back so they've been stealing money I have numerous recordings proven that they have been stealing money for me even in their own words lying to me supervisors on tape and people also confirming that I never got a sent back I have plenty of recordings on these people all they do is still people money and leave them high and dry I looked on the XXXX  website and see if anyone else is experienced this and other websites have popped up comera bank and direct Express is still in the consumer money please help I do have numerous recordings even the one from XXXX were supervisor even lie and said I was getting my money back even with the people on the phone department XXXX they literally told them they gave all this money back to me and direct Express their own okay we don't have it the multiple people saying no we gave money back a multiple people also confirmed they never took any money off my card I also have direct Express on tape lying about money lying when I will get money told me they were holding money never released it on take telling me all the system is just saying you have one amount but don't believe the system you have more I said I have to go with the system saying because why would the system say I have less if I have more that doesn't make any sense but to make this very very long horrible stressful situation short that's just a little of the breakdown someone please help me thank you so much and have a nice day
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I recently sent them an 'Escrow only payment '. I wrote my account number on the check with this statement. I sent a letter with the check with this same direction. They cashed the check 2 weeks ago ( I twice sent them proof of this - picture of front and back of check ). They acknowledge this. Only problem, they deposited it into another account. Now, 2 weeks later, and tons of phone calls, and the money STILL hasn't been put in my account and I am coming up on my annual escrow analysis which means they could also XXXX up my monthly payment. This is the 3rd time, they have misdirected funds I have sent.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONRAD CREDIT CORPORATION (TX)

Consumer Financial Protection Bureau, I have spoken with XXXX at Conrad to discuss my account directly. I had my daughter on the line so she could talk to XXXX about this matter, as my nerves could not handle the conversation. During the phone call, we asked XXXX to provide in writing that Conrad did not own the debt. She verbalized that they did not but refused to provide that in writing because she did not have a templated response to that question. We then asked her to provide in writing that Conrad would not be pushing the debt back to the original debtor, XXXX XXXX. Again, she verbalized that the account would not go back, but because she did not have a template, she would not send that information in writing. I find it odd that Conrad can not fulfill these requests. After clarifying my position, I find it strange that they will not send the debt back to XXXX XXXX. I have a right to speak with XXXX XXXX directly about my account, but Conrad will not allow me to do so now. I have tried to solve my issues with XXXX XXXX directly, but instead of dealing with my problems, they sent me to Conrad, who is now making everything much more difficult. We have explained multiple times why we do not feel we owe anyone anything and our reasons for wanting to be released from our timeshare, yet no one listens. Hopefully, your influence will produce a better outcome. 

XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Bank amazon store card and JCPenny cards have both charged excessive late fees in the past month. I have a good history with both cards, and typically have paid the statement balances in full each month. However, because of out-of-town travel and mis-communication about returned products credits, I missed payment for both cards. 

I promptly made more than the minimum payments required once I realized the payments were still due. Regardless, {$41.00} late fees for {$32.00} minimum payments are excessive and unjust, especially considering the length of time and previous good standing of both accounts.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA continues to send correspondence indicating I have requested updates to my accounts which may or may not have emanated from me. The correspondence is not specific enough for me to determine if the changes are an attempt at identity theft, incorrect or unwanted changes, or changes initiates by USAA and not by me. Calls to USAA do not get responses that explain what was changed ( if the correspondence was properly drafted calls to USAA should not be necessary ). This is the second time within the month of XX/XX/2020 that I have received incomplete and therefore inappropriate correspondence for the same two accounts.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

I first applied to change my IDR plan to the new SAVE repayment program on XX/XX/XXXX. 

I received an email on XX/XX/XXXX that Nelnet was processing my application and if they hadn't finished processing in 10 days, they would send a follow-up email to let me know. 

I did not hear anything from Nelnet so I sent them an email on XX/XX/XXXX to request information on my account. I had read on XXXX that sometimes Nelnet needed tax return/pay stubs to process SAVE applications, so I submitted those directly on their website in case that was holding my application up. 

On XX/XX/XXXX, Nelnet wrote back and said that there was no additional information needed from me and my application was still pending. 

On XX/XX/XXXX, Nelnet sent me a form via their website that indicated I was required to make a one-time Reduced Payment Forbearance payment to continue processing my application. The letter stated " The one-time Reduced Payment Forbearance payment amount you chose is. The payment is due on. '' ( no typos, there was no payment amount or due date indicated in the letter ). 

On XX/XX/XXXX, I wrote back to Nelnet and asked what my required payment and due date would be. On XX/XX/XXXX, Nelnet wrote back to indicate my payment amount of {$5.00} is due before XX/XX/XXXX. 

On XX/XX/XXXX, I made a {$5.00} payment on Nelnet 's website. My payment was processed but no changes were made to my account on Nelnet 's website. I wrote to Nelnet and asked if my application would be processed. I have not heard anything back and Nelnet 's website states now that I am in Standard Repayment and owe the standard payment on XX/XX/XXXX. 

Between all of this correspondence, I have tried multiple times to contact Nelnet customer service via phone. Each of these times I have waited more than 2 hours and have not been able to talk to a person. Nelnet is only available during work hours and I can't wait on hold for hours and hours at a time. It is unacceptable that I can't get answers to these questions anywhere - on my account, via chat, via email, or phone call.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (MD)

I called Innovis to add a phone number to my credit report, but they told me I have to mail my request with documentation proving that I own the phone number ( i.e. a phone bill with my phone number, address, name, etc. on it ). This is practically impossible to do for prepaid phone plans which do not provide such bills containing the requested information. They also said a creditor can report a phone number to them, but only one creditor is reporting information to Innovis for me and they're not reporting a phone number. This all wouldn't be so much of a problem if Innovis didn't ask you to have a code sent to your phone number ( that's listed on your credit report ) each time you sign in.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed a collection account reported by XXXX XXXX  XXXX XXXX ( Account # XXXX ) to TransUnion. 
XXXX XXXX filled out the dispute form and was assigned File  ID # XXXX by Transunion. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

XXXX XXXX  XXXX responded in a letter dated XXXX XXXX, XXXX, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied. 
XXXX XXXX XXXX ' collection account, based on XXXX XXXXXXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX  points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that XXXX XXXXXXXX XXXX have this collection account removed from Transunion and any credit reporting agency immediately. 
Then I yet again received a letter from XXXX XXXX  XXXX, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX  was wrong in billing me in the 1st place. 
XXXXXXXX XXXX  XXXX did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX  points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (NY)

I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. Navient claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from Navient. Navient put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, Navient has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. Navient has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.