davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
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)

In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

On my monthly credit card statement was a paypal charge {$8.00}. I checked my XXXX   account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX ( XXXX ) XXXX CA. I called this number and the computer told welcome to XXXX. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft. 

Thank you.
Consumer complaint received 2018-09-29
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. (TN)

On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law.

Therefore I request that all hard inquiries be removed.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge. 

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same. 

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law. 

Therefore I request that all hard inquiries be removed.
Consumer complaint received 2018-09-29
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: WELLS FARGO & COMPANY (LA)

In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a Wells Fargo credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
Consumer complaint received 2018-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

Sir/Ma'am I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I am a XXXX XXXX service member in the XXXX since XX/XX/XXXX. My consolidated student loan was initially handled by XXXX. I was switched over to XXXX XXXX in XXXX. 

Since being switched over to XXXX  XXXX I have submitted proof of XXXX XXXX service multiple times and have submitted verification of my employment status to receive the most up to date qualifying number of payments towards my student loans. I noticed a discrepancy in the number of payments credited by XXXX  XXXX XXXX in XXXX towards the Public Service Loan Forgiveness program. All the payments I made to XXXX between XXXX and XXXX were never recorded as qualifying payments ( please find attached ). I have brought this to the attention of XXXX  XXXX   and requested a review of my payment history in XX/XX/XXXX. 

Since submitting the review request in XX/XX/XXXX I have tried to follow-up multiple times but have not received any feedback when the payments will be incorporated and credited to my account. I was initially told by the loan officer that the review takes 90 business days. However, after my last conversation in XXXX that time line has been disregarded and no situational awareness appears to be present as to the status of the review. 

XXXX XXXX has had a history of not calculating or making errors in managing the payments made towards the public service loan forgiveness program. Therefore, I am trying to be proactive and have the service provider fix any discrepancies as close to the source of error as possible. Thank you for your consideration.
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (VA)

XXXX XXXX sold a PAID IN FULL TO XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money. 

Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2017-05-03
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 have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

On   XXXX   XXXX  , 2017, my d ebit card at  TD Ban k was compromised, and  XXXX  ( a company I have never heard of or interacted with ) withdrew {$370.0 0} ( in  XXXX   separate charges, {$280.00} and {$83.0 0} ), causing me t o incur {$100.00} in overdraft fees.     While the charges were pending, I went to my lo cal TD Ba nk branch and froze my card. I was told I could n't file a complaint until the charges were processed and my money was withdrawn. I waite d 24 hours to  lose my money, and then returned to the bank.     I filed a complaint with an employee that day at the local branch, or so I thought. Tod ay,  XX/XX/XXXX  , I emailed TD Customer service to see why this claim, said to only take 10 days, had not gone through. They reported, and the local branch corroborated, that no dispute had ever been filed. This is an egregious example of customer " service. '' As a struggling college student, losing all the money in my account has caused me to gre at stress and forc ed me to alter my lifestyle, eating less and spending nothing, and apparently, all for naught.     This is a terrible example of banking and account security, and I fully expect to be compensated for my losses. Unless  TD Bank   makes a serious effort to rectify their mistakes, they will have lose a customer.
Consumer complaint received 2017-05-04
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: Ad Astra Recovery Services Inc (TX)

I have kept close documentation. No responses to the letters I sent as well as not marked disputed within the legal 30 days. Also when I requested validation receipt of how the account was verified mine no information was sent back in response. No orginal signature binding me to any contractual obligations to this account as no verification information waa received within the legal allowe d 15days or r eceipt. Information was not listed correctly per the me tro 2 compl iance laws. As I do have all documentation, as well as all the signatures from the company when the certified mail I sent out waa received. This is my final attempt to have this account removed from my credit reports and cleared up or I will file a lawsuit with a court nearest to me for up to {$1000.00} per violation including court and attorney cost. A police report and report with the  XXXX  was filed    XXXX   XXXX   2017.
Consumer complaint received 2018-09-29
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. (TN)

On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing Company is a dept collection agency which is about the 5th company to buy up our original mortgage~ they are not tge original holder of the promissory note and have been threatening us with calls, shark attorneys and threatening letters of foreclosure for a few years now. They say they will work with us with remodification but keep the payment at an astronomical payment that they know we can not afford. Their lawywrs say they want to work with us at a mych less repayment amount but tge bank says not true..the bank had us fill out 3 lines online and never asks for income verification ~just tells us you qualify only for {$4500.00} a month and thats it! We were told at court by their lawyer XXXX XXXX XXXX to work with him, but then never gets back to us, and the bank says dont work with our lawyer work with us directly ... what are we to believe? We can afford {$2100.00} a month and have asked them if there is a program to put us in a balloon payment and work with us with this amount they say they have them but not for us!!! They say they want to gelp us stay in home but then tell us this stuff!! They dont even have the original note or even own it.. they bought up a bad debt and they know it!! We have read there is litigation about laws protecting consumers about people trying to forclose on people when they are not original note holder ... its illegal ~ look it up. The original mortgage company XXXX XXXX XXXX XXXX..told us before we were ever late for a payment, when i called them to tell them i was an injured XXXX XXXX on duty and lost my job and the economy crashed and my husbands carpentry business went under, they told me the only way they could help us was to default on mortgageYES they said thismiss 3 payments and we can then help! That was a disgusting damaging LIE that started this disaster for us..we missed payments we could not recover from..it destroyed our credit beyond repair. We have never truly been heard and we have begged and pleaded for the judge and state of NJ to please take this very seriously! We have been done totally wrong from 2006 to now. We never have an answer! We have been told over years the foreclosure is dismissed with no explainations..sold over and over ... different law firms have picked it up! We have never been able to resolve it properly and its been XXXX for our family!! I urge you to please help us!
Consumer complaint received 2018-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed XXXX ; no payment was ever made to XXXX. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, XXXX continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). XXXX 's per se unlawful explanation for XXXX 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because XXXX XXXX XXXX XXXX XXXX, XXXX, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, XXXX is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : TransUnion has received numerous requests from me to permanently remove XXXX 's per se unlawful duplicate student loan report from my TransUnion credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If TransUnion does not promptly ( within 10 business days ) permanently remove XXXX 's per se unlawful XXXX duplicate student loan report report, I will have no further option but to bring both XXXX and TransUnion to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. XXXX and TransUnion have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I have a Credit Card with USAA, opened  XXXX   XXXX ,  XXXX  with a credit limit of {$13000.00}.   My balance is {$12000.00} I have made all my payments timely and violated no policies with USAA.   I have over 30 years credit history NEVER EVER missing a payment on any account i have ever had.   However, USAA lowered my credit limit from {$13000.00} to {$7600.00}, placing my account more than {$4500.00} over the credit limit This action has caused my  credit score  to drop dramatically by more than  XXXX  points This action also forces me to pay well over the average daily balance percentage agreed to in my contract with USAA.   USAA 's action has caused my " credit to Ratio '' to increase above 63 % This was a calculated action by USAA and I believe I will be able to prove USAA took this action for discriminatory purposes.   As a result of USAA 's unlawful actions, my C.L.U.E  XXXX  report score decreased causing all my insurance rates to go higher.   As of  XXXX   XXXX ,  XXXX   USAA  has NOT provided any notice to inform me of this action or the reasons for reducing my credit limit. No email, no phone call, no message through  USAA  's message portal and no letter via USPS.   below is a federal policy which regulates this issue, there are others with respect to average monthly payments and lowering credit limits below the card balance.      15 U.S.C. 1691   ( d ) ( 1  ). If the action taken by the creditor is adverse, which includes the " denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, '' the ECOA and its implementing regulation, known as  Regulation B,  require the creditor to send a written notice to the applicant.   15 U.S.C. 1691 ( d ) ( 6 ) ; 12 C.F.R. 202.9 ( a ) ( 1 ) ( iii ).
Regulation B specifies that the written notice must contain ( 1 ) a statement of the action taken ; ( 2 )  the name and address of the creditor ; ( 3 ) a statement of the anti-discrimination provision codified in 701 ( a ) of the ECOA ; ( 4 ) the name and address of the federal agency that administers compliance concerning the creditor ; and ( 5 ) a statement of specific reasons for the action taken. 12 C.F.R. 202.9 ( a ) ( 2 ). The statement of reasons " must be specific and indicate the principal reason ( s ) for the adverse action. '' 12 C.F.R. 202.9 ( b ) ( 2 ) " Statements that th  e adverse action was based on the creditor 's internal standards or policies or that the applicant... failed to achieve a qualifying score on the creditor 's credit scoring system ARE INSUFFICIENT.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (IL)

I recognized that XXXX XXXX submitted unauthorized inquiries for finance 16 times on XX/XX/2018. 
TD Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX several times. he identified himself as the Manager. he refused to help.

It is very unfair that they did that. they lowered my credit score by 200 points.
Consumer complaint received 2024-09-18
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One about a dispute. They denied me the dispute even though I showed them concrete proof that I was scammed! They told me I only had 60 days to get help, after that I am out of luck and on my own!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I tried to reach Experian to upgrade my membership because my personal information is on the dark website. I want it removed. I called for 3 days, because I needed to speak with a live agent to help me to process the upgrade! But there were no Agents to speak with me. I'm frustrated and scared because of this situation. 
I need help ASAP. Experian need to notify me.
Consumer complaint received 2018-09-29
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)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : WELLS FARGO XXXX