davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  ( XXXX XXXX : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4400.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXXXXXX BANK ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} TRANSUNION : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.
Consumer complaint received 2022-04-01
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (TX)

I have submitted several disputes and nobody seems to be reading my statements regarding the disputed closed accounts. Which are preventing me from accessing credit. Lawfully, the public has no ability, therefore no obligation to pay debt, per the removal of Gold Standard. As per 12 USC-1431, Banks are the borrower. As per 42 USC-408, requiring my Social Security Number, if not for financial transaction, is a crime. As per 15 USC-1602g, the Consumer is actually the Creditor. As per 31 USC-5118 & House Joint Resolution 192, all public debts are the obligation of the United States Treasury & Congress and must be discharged Per Public Law 73.10. As per UCC1, UCC11, the disputed accounts are not listed. UCC3-104 negotiable instruments, promissory notes are legal tender once signed & satisfied once securitized/monetized per UCC 3 ( 3-104,3-304,3-310 ). XXXX update all the disputes immediately, however Experian has not addressed my several disputes directly, only send me a generic response stating the accounts have been confirmed and updated not regarding my dispute. XXXX has been very slow to update or process my request, but Experian has failed to properly investigate/ read my disputes so I must complain.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/XXXX my account was hacked and transferred XXXX from my sons account to mine which was linked. i notified the bank right away and was on phone for 86 minutes. they credited my account and my sons account. after three weeks they took the money back from my sons account. i XXXX him the money back of XXXX on XX/XX/XXXX which he was lost. then they took the XXXX back fron his account on XX/XX/XXXX saying he has to satisffy the negative account. i called chase numerous times and they keep giving me the run around and say its two different cases. its one case and all the records that were showing up on the accounts were deleted. my account showed a credit of XXXX and now its gone. i asked for the phone records of XX/XX/XXXX and they say its deleted. i have spent hours on the phone and visits to to the branch. i keep getting pushed from department to department. all i ask is for is to look at all the accounts and transactions and they say they cant cause the account is closed. my sons account was stolen of XXXX and no body is doing anything about it.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2022 I made a transaction for {$40.00} processed through XXXX XXXX in US dollars to a merchant located in XXXX XXXX XXXX. On XX/XX/2022 I was assessed a fee of {$1.00} for making a foreign transaction. On XX/XX/XXXX I called Bank of America to ask about the fee and the associate specified that the foreign transaction fee is based upon the Merchant Address and not the processor as specified in the Bank of America Customized Cash Credit Card Agreement which says that " A Foreign Transaction is any transaction ( XXXX ) made in a foreign currency, or ( XXXX ) made in U.S. dollars if the transaction is made or processed outside of the United States. '' The associate refunded the fees and advised me to contact the XXXX in order to have Bank of America correctly process these transactions in the future.
Consumer complaint received 2022-12-10
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. (MO)

To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd. (TN)

On XX/XX/2022, I received a call from Leviton Law at XXXX in an effort to collect a {$7000.00} debt on behalf of my father and a business he briefly served as the CEO of and stated that I have an obligation to the debt. 

I have absolutely no involvement or employment history with the business whatsoever and have no obligation to the debt or any matters pertaining to the business and the debt in question was prior to my father 's brief employment with the organization. 

I have not acknowledged the debt with Leviton Law and am in the process of drafting a cease and desist with legal representation.
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. (GA)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write 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. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Consumer complaint received 2022-04-01
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. (TX)

According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses my correct name is XXXX XXXX XXXX XXXX my correct address is 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
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (AZ)

I used to live on XXXX XXXX XXXX XXXX and someone stole my laptop along with all my information such as social, Driver License, passport and also wallet. They opened savings account under my name and also cell account and loan. I reported to the XXXX police department and did a FTC my social was used and dont know who. Please be careful people called me saying from the social security also emails.
Consumer complaint received 2022-04-01
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. (NY)

Account Name : XXXX  XXXX Account number : XXXX As I am looking at my credit report, to my surprise XXXX and Experian are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and Experian is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and Experian is not reporting a close date. Experian is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.
Consumer complaint received 2022-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account Name : Capital One Account number : XXXX As I am looking at my credit report, to my surprise XXXX and XXXX are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and XXXX is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and XXXX is not reporting a close date. XXXX is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$6900.00} XXXX  {$4700.00XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$520.00} XXXX  {$0.00} XXXX  {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX  {$10000.00} XXXX  XXXX {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I'm a victim of a scam I was looking on XXXX to rent an apartment. One apartment I was interested I applied for and after all the payments which was XXXX the agency then canceled on me to see the apartment and then blocked me and left with all my money. Then I went to chase Bank to see if the can help me recover my money and find where the money went and they said it's nothing they can do. Which is very disappointing because they are a worldwide company they should help with matters like this. Anyone looking for apartment, please be careful this is my first time and I got the lesson of my life.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2022-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IA)

Describe what happened, and well send your comments to the companies involved. 
Include dates, amounts, and actions that were taken by you or the company. 
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

I consolidated my loans twice, simply to be able to make one payment a month instead of multiple payments. The first time they mistakenly did not include all the loans, they admitted it was their error and so I initiated a second consolidation. None of the many people I talked to made me aware that my repayment time period would be extended due to the consolidation. Today, that information is clearly displayed on their website but years ago it was not clear or disclosed. If I had been made aware of this, I would not have consolidated my loans. Had I not consolidated and just continued making many separate payments each month instead of one, I would be done with my loans in five years instead of 11 years from now. Their failure to be transparent and provide complete information equates to six additional years of payments from me which is an undue burden and financial hardship. This is unfair. The servicer at the time was XXXX but it's now Aidvantage.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Donut, Inc. (MD)

On or about XX/XX/2022, XXXX paused all user account activity in its deposit and investment platform, which practically resulted in DONUT inappropriately freezing all user funds. Since this time, user have been denied access to their funds with limited information from the company about if, or when, users will have the ability to access all of their funds. Such actions and practices are contrary to DONUTs marketing and promotional materials and Terms of Use, and may be in violation of state and federal laws including consumer protection laws, securities laws, and the Consumer Financial Protection Act and Regulation E, which implements the Electronic Fund Transfer Act. 

DONUT has advertised its products and services online and through its app including through emails and messages within the app.

I have sent several emails to DONUT, but have not received any responses to my specific questions or concerns.
Consumer complaint received 2022-04-01
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)

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ga XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX