davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Im filing a complaint against Equifax about the information being reported on my credit file. 

I reviewed a copy of my credit report and XXXXXX/XX/XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I have asked Equifax to Please contact XX/XX/XXXX and XXXX XXXX to investigate such an occurrence. 

I have requested four written updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Also, as part of their investigation, I asked Equifax to please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

I have told them several times My name is : XXXX XXXX XXXX NOT XXXX XXXX XXXX and have asked several times to remove it. ( REMOVE IMMEDIATELY ) Equifax Also has known as XXXX XXXX XXXX and XXXX XXXX XXXX I have asked several times to Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses Reported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XX/XX/XXXX GA XXXX ( REMOVE IMMEDIATELY ) I have asked several times to update My Current Employer is XX/XX/XXXX ( since XXXX XXXX and please update my file to reflect my current employer.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-05
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. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2023-04-02
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. (CA)

In XXXX of 2021, someone fraudulently contacted Chase and was able to change the address associated with my account ( ending XXXX ). This person then requested a new card ( ending XXXX ) be sent an address that I have never lived at nor do I have any association with. 

For basically a two-week period, this person then went on a spending spree totaling {$3400.00} in the XXXX XXXX XXXX XXXX apparently ) with the card sent to their address. See attached file. None of these transactions were mine. 

Of course, the vast majority of these charges don't match my normal spending habits at all ( inmate calls, XXXX, XXXX XXXX XXXX XXXX, XXXX, fast food, etc. ). I do occasionally shop at XXXX  and XXXX XXXX XXXX, and I provided account histories with both retailers at the time to show that none of these purchases were mine. I'd be happy to provide them again if useful. 

When I contacted Chase after seeing these fraudulent transactions, they removed these charges from my account. However, they subsequently re-instituted the charges, claiming that they didn't find these to be fraudulent because they were " Chip transactions. '' Of course they were Chip transactions- they mailed the card to someone else 's house! 

After several rounds of back and forth and no luck, I'm attempting to get a resolution through the CFPB process. If this doesn't work, I'll have to pursue additional legal avenues.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NM)

this all started XX/XX/2021 with XXXX  key chain it included my banking information they made a b payment through my personal bank & also with my debit card with both i reported it and had my accounts changed it happen again. since then all my acts were compromised emails social media passwords blocking from everything and i have reported to police and also attorney general as well as cybercrime through the .gov site XXXX my email i provided was then hacked again i never received notification and hacker cancelled my report cc to himself and that was at these emails XXXX XXXX or now XXXX  & XXXX where my XXXX emails and XXXX is the one the hacker had a hold of i have tried to retrieve any emails through sites & google and i cant at all it states theres other information for a recovery phone # and email. 

other emails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have incident reports with local police department XXXX  and i met with cyber detective they said they didnt have the proper equipment to see who it is that impossible to find hacker and over XXXX accounts of mine were compromised. Thats when i did XXXX report. 
I also reported to XXXX since it started on the i phone then to my XXXX XXXX XXXX  and my internet company is aware also are the techs that come and to fix issues. 
I have bought several VPNs and they also get hacked, they have changed my router over 20x nothing works! I set and changed name of router secure passwords everything with them I have filters set on my modem and they take a couple days before compromised. 
My i cloud erased ive reported it with XXXX  security team and nothing is done i have several report # s  nothing. 
my phone # is XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021 I sent letters to each credit bureau re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

I checked my credit report being that I'm wanting to purchase a home however I there is Navy Federal Account that is reporting on my XXXX account in which I disputed directly with Navy Federal and they sent a letter stating they would remove it 3 weeks later i checked my report it was removed however this is now 6 months later I check my report again and to my surprise Navy Federal is reporting on my credit this is outrageous and goes against the FCRA. I'm demanding this fraudulent account be removed indefinitely or I will have my attorney sue.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 XXXX p.m. I spoke with XXXX different representatives at Transunion regarding the incorrect information being for the last XXXX months. I spoke with XXXX XXXX regarding the inaccurate and fraudulent information being reported. Transunion sent the pin number to my personal credit report to the wrong address even though I have sent them certified letters ( most recent certified letter sent XX/XX/2021 ) to correct my information that included my personal information. to verify who I am. I was told in order for me to receive a pin number that I have to resend all the information that I just sent to verify who I am because it wasn't processed and lost. I sat on the telephone for more than an hour to get this information corrected in addition to recording the entire conversation. Why would they create a law and statue for credit reports that aren't obligated to follow? They clearly broke the law, failed to update my information and lose the personal information that I sent through certified mail.
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP (CO)

They keep sending letters for years and i pid it originally when I got the parking ticket on vacation Then the collectors sent letters and I called and told them I paid it again online Then the letters continued and then they switched the name also and I am divorced Now they are only in ex husbands name sometimes And they want double the amount now claimng theres two tickets!!
Consumer complaint received 2020-12-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC (CA)

The statute of limitations for this debt from XXXX should apply. XXXX XXXX XXXX XXXX XXXX has tried collecting on an old debt purchased from American Credit Acceptance through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

Hello, I am a victim of Identity theft. I have never once entered a consumer credit transaction with XXXX XXXX. Please refer to the attached documentation below. I tried to contact XXXX XXXX XXXX registered agent but I could not locate the applicable agent. Whats even more confusing is that it states that the account has been purchased by another lender. This maybe a mix up or a misunderstanding so im hoping we can resolve this now to prevent further legal proceedings.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

I accepted a job offer published on XXXX for a XXXX XXXX, on XX/XX/XXXX. My job was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a check to pay for items needed. I received a check the following day ( XXXX ), deposited to my bank account, I was given a receipt stating the funds would be available the following day. I was asked to send a copy of the receipt to my new employer. Since the funds were available on the XXXX, that same day, I was asked to go to the store to buy supplies. Things became too strange and I texted my employer to explain why I was uncomfortable. Since I no longer wanted to go forward with the situation/job, I did not want to keep the money sent to me by check ( {$3200.00} ) and it was suggested that I return the funds using Bitcoins, I didn't want to do that, then XXXX was suggested and I did the transfer using XXXX that same day. The following day, my bank informed me that the check was fraudulent and I transferred my own money to crooks. 
My bank should have verified the check when I made the deposit, instead of giving me a receipt showing an availability date of XX/XX/XXXX, 24 hours after the deposit was made. 
I am retired looking for a job to supplement my retirement benefit and now I am very short XXXX. Please help me get my money back, it is a small amount for a bank that has insurance coverage for that type of situation. 
Thank you
Consumer complaint received 2022-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CT)

Sallie Mae Bank has been harassing me via phone. Im unable to pay my monthly payments due to financial hardship that started with COVID. I have reached out to them multiple times, each time they say they will work with me to come up with repayment options and each time they review my account they tell me there are no options. I do not understand why the phone calls continue if there are no repayment options that I can manage. They refuse to lower my monthly payment. Now theyre calling precious employers.
Consumer complaint received 2020-12-17
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. (GA)

Experian reduced my credit score XXXX points in a four-month period, even though I paid off a {$130000.00} mortgage during that time and have never been late paying any of my bills in the last 30 years. Furthermore, I always pay all my bills in full every month. Despite all of the above facts, Experian had the audacity to send me notification of the 53-point reduction along with a message that stated " What would happen if you reduced some of your {$7000.00} in credit card debt? '' I've had much higher balances than that in the past and have always paid them off IN FULL EVERY MONTH. Why the cryptic, snarky message? When I wrote Experian a letter and asked if that means my credit score will go back up when I pay it off in full on the due date, they blew me off and never responded. And of course, they didn't raise my credit score when I did pay it off. How can credit bureaus be allowed to mess with peoples ' credit like that without any accountability whatsoever? And then to not even have the decency to respond to my letter and try to explain themselves.
Consumer complaint received 2022-10-20
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. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2020.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to express my extreme disappointment and frustration with the way my recent dispute was handled by your supervisor XXXX with Employee ID XXXX on XX/XX/2023. Not only was the dispute mishandled, but the supervisor went so far as to close my credit card account without my authorization. 

I had submitted a dispute against a merchant for over charging me. However, the supervisor assigned to my case failed to properly investigate the matter and completely botched my dispute. Instead of helping me resolve the issue, the supervisor closed my account without any warning or authorization, leaving me without access to my credit line. I have recurring charges that need to post by XX/XX/2023 that won't be able to. 

This is completely unacceptable and has caused me a great deal of inconvenience and stress. Not only did the supervisor fail to help me resolve my dispute, but they took it upon themselves to make a decision that directly impacted my credit score and financial standing. 

I expect better from Capital One and its employees. I request that my account be reopened immediately and that the issue with the merchant be properly investigated and resolved. Additionally, I expect compensation for the inconvenience and stress caused by the incompetence of the supervisor assigned to my dispute. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

This mistreatment is unlawful and financially harms consumers. I hope CFPB can help remedy this situation and hold Capital One accountable.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

We are still having trouble with the companies XXXX and TransUnion! They are definitely dealing in Economic Fraud by misrepresentation who we are as American s! We have unlimited credits! See House Joint Resolution 192, of June 5th 1933, there is no constitutional law enforcement of money, only legal tender!
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

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

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.