davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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 {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}.

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 and 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 ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -This is not my account.
Consumer complaint received 2019-11-27
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. (AL)

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-05-22
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)

I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Today I received a call from XXXX ( XXXX XXXX XXXX. They claim to be a debt collector called XXXX  XXXX. They knew my name and last four of ssn and claimed to have an account stating I owe around {$600.00} to XXXX. When pressed for more info about their company ( why when I XXXX your company name and number does it not come up as anything? ) I was told let me put you on hold and ask how I answer that without getting in trouble. Ive called Walmart and they said I do not have an account with them but one that was opened in XXXX and closed in XXXX did exist. I disputed this as fraud. Well I verbally said so but they took no action to help me. In the past ten years I have worked hard to clear all my debts in collections and 6-7 years ago when I was paying them all off I NEVER saw one for Walmart in my credit report. Its not there today either. Its says I have XXXX in collections. I have no knowledge ever of a Walmart card being opened in my name. Im afraid this may be fraud and I dont know what to do. Whether or not this debt is legitimate is tbd. I believe its fraud but this number seems fishy. It seems like a scam. They dont even say the company name when they answer the phone. You have to ask for it. They also called my brother and dad for sure and who knows who else
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX and XXXX I disputed charges on my card from a business that was overcharging me based on the contract in place. They denied my claim despite evidence submitted by the business that clearly did not even match what they had charged me in total. They did not request further evidence from me despite. They just told me there was nothing more I could do. 

I was charged a total of {$1900.00} by this business from 6 charges on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/28. My contract total should have been {$1300.00} of which I have proof. They are not resolving the issue.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

XXXX  & XXXX  are still reporting inaccurate information by Bank of America. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though Bank of America says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.
Consumer complaint received 2019-11-27
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, My rights under the fair reporting act have been violated By Experian XXXX XXXX Bank and XXXX XXXX XXXX XXXX, i unsuccessfully disputed two accounts on Experian which are XXXX XXXX Bank and XXXX XXXX XXXX XXXX. XXXX  XXXX bank claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX bank with my name, and signature on it by they failed to do so yet Experian still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with Experian customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX bank verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX  XXXX bank says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with XXXX XXXX XXXX XXXX is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent Experian three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.
Consumer complaint received 2019-11-27
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)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.
Consumer complaint received 2019-11-26
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

The below complaint was filed yesterday, replied to today. However, I am unable to view their response, the link does not work. The CFPB rep stated she could not mail or email me a copy of it, I have copied the complaint below which I updated.. 

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution. I also request a copy of any cashed check Wells Fargo refers to in amount of {$3700.00}.
Consumer complaint received 2019-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MD)

To Whom it may concern - I decided to refinance my private student loans that had previously been serviced by XXXX to a lower fixed rate loan underwritten by MEFA/ serviced by XXXX  . 

MEFA accepted my loan application and disbursed funds on XX/XX/XXXX, XXXX did not receive the payoff ( via Snail Mail ) until XX/XX/XXXX. Both XXXX and MEFA are charging me interest on the same principal balance from the dates of XX/XX/2019 through XX/XX/2019. I do NOT see how it is legal/ possible for both companies to claim ownership to the underwritten principal. XXXX confirmed that they owned the loans until the XXXX and charged me accrued interest from XX/XX/19 through and including XX/XX/19. 

I am filing this complaint towards MEFA - XXXX XXXX ( MEFA ) sent me a separate copy of the promissory note that I did NOT receive at the time of refinancing stipulating that MEFA will charge interest beginning on disbursement date. They did not own the asset from XX/XX/19 - XX/XX/19 and  began ownership on XX/XX/19. NOWHERE in the original loan refinancing agreement stipulated any of this. 

Additionally I notified MEFA that they were refinancing the incorrect amount prior to the loan disbursement/ final refinancing approval .... they insisted they could not lower the amount ( XXXX! )
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX continues to reopen an old account that had a balance on it, it has been taken over time and time again by every debt collector there is but none would correct errors and a majority of the records do not even exist anymore making it impossible to recreate and/or prove or disprove anything on the account, but because it is over the reporting time on the credit report XXXX  XXXX will reopen it with a balance to make it look like it is still active, many times for a month, then report that a payment was due and it has an active balance, I have asked on many occasions to have it removed and then it will show active again, both XXXX  XXXX and Experian are guilty of not removing this according to the law.
Consumer complaint received 2019-11-27
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 — Problem with personal statement of dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Dear CFPB, My rights under the fair reporting act have been violated By XXXX XXXX XXXX XXXX   and Rash Curtis & Associates, i unsuccessfully disputed two accounts on XXXX which are XXXX XXXX XXXX  and Rash Curtis & Associates. XXXX XXXX XXXX claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX XXXX with my name, and signature on it by they failed to do so yet XXXX still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with XXXX customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX XXXX verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX XXXX XXXX  says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with Rash Curtis & Associates is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent XXXX three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.
Consumer complaint received 2019-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I am writing you file an official complaint against Carrington Mortgage Services this company is misappropriating funds in an attempt to foreclose on my home. All the information that I have received from this company is inaccurate and when I contact the customer service office, I receive several different responses none which addresses the question at hand. 
They are claiming of nonpayment of mortgage this is false listed on my payment history and my credit report. The information they have listed is invalid and not true. And Im requesting that they stop reporting this false information. They took over my loan in XX/XX/2019 and I have not missed one payment. They have created fraudulent charges to my account in order to justify their unethical practices theyve add to my account, property inspection fees, ( not performed ), late fees, ( not late ) applied mortgage payment to escrow and more. All in an attempt to defraud me and illegally foreclose on my property through fraudulent means. Attached you will find copies of checks for my mortgage that have cleared ( paid ) by my bank. I am not behind in my payment and should not be receiving threatening notices regarding foreclosure, I am seeking a remedy that would stop the threats.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

I recently moved to XXXX to escape an XXXX   husband, my income did not change in USD, I am just now paid in CAD - same company. I was originally making approximately $ XXXX in the US pre-tax, post tax it was about $ XXXX. When I originally certified for income based repayment based upon those numbers and my marriage, I was paying {$0.00} a month. 

After the divorce, I went through the re-certification process again, and although my income did not change, now Navient is claiming I owe {$470.00} a month. This was originally based upon me providing a letter from my employer in XXXX advising that I make {$100000.00} a year CAD. I was told this specifically by a Navient employee in XXXX, and was told to resubmit my application based solely on my XXXX tax return and not using any letters from employers. 

I did this, and it came out yet again to {$470.00} a month. The woman I spoke with after this - on XX/XX/XXXX - said that it was another mistake on their part, that based upon my $ XXXX $ XXXX AGI I should be paying {$360.00} a month, and advised that she was putting notes in the file so that someone would correct the issue. I never heard anything back, and logged in on XX/XX/XXXX to see that I am still being told I owe {$470.00} a month. After about an hour on the phone with various people - all of whom stated that this {$470.00} a month was based on my $ XXXX XXXX, I was finally informed by a supervisor - who had also erroneously claimed that this was based on my $ XXXX XXXX - that I was right the entire time and the {$470.00} WAS based on my $ XXXX CAD income being treated as $ XXXX XXXX, which had I been stating all along throughout this phone call. She advised that after reviewing my file further, she discovered that my joint tax return was not accepted because I filed taxes jointly ( as I was married when my ex husband and I earned our income, of which he only earned approximately {$2000.00} for the year ) and subsequently divorced. 

After hours of explaining everything to people at Navient ( something that can not be that uncommon - surely people get divorced and pay student loans all the time ) everyone I speak with agrees I am right and they apologize for the " inconvenience '' but then just keep " resolving '' the issue the same way as before so nothing is ever done. I don't know what to do, I am still dealing with the debt my financially abusive ex husband left me with, and am struggling a great deal. All I want is for my monthly payment amount to be calculated correctly and fairly, and for me to not have to spend hours fixing an issue that I did not create. 

As of submitting this, the issue is still not resolved.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (WI)

This is an issue I am having with Applecard ( Goldman Sachs ) : 1. I was approved and issued a card on XX/XX/2019 2. I made 3 purchases between XX/XX/19 and XX/XX/19 totaling {$130.00} 3. I was notified ( via the app ) that my account was restricted on XX/XX/19. No explanation. I was no longer allowed to make any purchases 4. I have contacted Apple/Goldman Sachs many times over the last week with no resolution. They have indicated my account is under review and someone will call me.

5. On Monday, I spoke with a customer service representative and was told I would get a call within 48 hours and I have not.

6. I contacted Apple/Goldman Sachs today to cancel the card since they have not resolved the issue. They told me not only can they not resolve my issue today, that I can not even cancel the card since it is under review.

It seems to me ridiculous that I can not use the card or cancel the card.