davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 


Please do not close this complaint because it is a different case from the complaint I submitted last XX/XX/2023.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This letter serves as a formal dispute regarding the debt reported on my credit file under Account XXXX XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I have reached out 3 times to Chase Bank to make sure they knew I didnt authorize the money taken out of my account. On XX/XX/29 I told them that when I was on the phone with the Fraud department as the event was occurring. I told them that the fraudsters call me, said they were from Chase Bank and they were going to help me figure out why I am not getting my Fraud Alerts consistently. They told me they would send me 2 text alerts that show a fictitious fraud on my account. I was to say yes to the first text and no to the second text that way they could verify I received the fraud alerts. I did as requested for the first text and the next text never showed up. Red flags did not go off for me at this point as they text messages came on the same phone number as the regular text that Chase has used before when there were fraudulent purchase attempts. However, after I responded to the first text the money started dropping from my account. They reassured me they would put the money back that they were testing the account. I knew something was wrong and put them on hold while I call Chase bank and told them I was being robbed at that time. They fraudsters hung up when I put them on hold. I found out later that a card was taken out in my name and shipped to a building in XXXX, IL. I didnt approve that either nor did I get a text message informing me this was done. There were 4 XXXX purchases for each for XXXX this should have been enough to prove it was Fraud, but Chase bank said that the Fraudsters had the card and the pin to get the items. Chase said that I had to have given it to them.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2017-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (OH)

Stearns is claiming that my loan is past due by over 90 days. I have been paying it every single month. Even their own website shows that. 

They will not return emails, or phone calls, or any kind of contact. They now want me to make two payments this month, but I do not have the money for that. Nor should I. I have a payment due tomorrow, and I can pay it, but I ca n't pay twice, and they are going to say my loan is still 90 days past due when its not. Just like they have for the past several months. And they charge me XXXX dollars every time, which I will not pay, because my payment is " late, '' even though I pay it on the due date every single month. 

They are now saying my loan is in default. Even though I have paid it every single month and I 've sent them screenshots, bank statements, and everything proving it. They refuse to respond.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I don't know this company. I have ask to properly verify debt according to texas laws. If this is a collection agency I am requesting thr name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

I have been trying to access my monthly mortgage statements for the past 6 years. I called and wrote to the company many times. They finally agreed to fix the problem in XX/XX/XXXX, but have still not fixed the problem. After waiting for them to resolve the problem as they stated they would do in a couple of months, they still did not fix it. I have written and called again and again, and they now say it will be only a couple of months to fix the problem. Here is their latest responce : We extend our sincerest apologies for the inconvenience you have faced with the absence of your monthly statements online. We are aware that you were previously advised that this issue would be rectified within one ( 1 ) to two ( 2 ) billing cycles, as outlined in our Research Letter dated XX/XX/XXXX. 
After a thorough review, our Web Team has identified the root cause of the problem : your loan 's previous status in bankruptcdepartment responsible for uploading the documents to the website. We regret that it has persisted for so long. 
We are pleased to inform you that this issue has been resolved. Your monthly statements should now generate and be accessible online during the next billing cycle. If you are still unable to view your monthly statements online, please contact us. 
We deeply regret the inconvenience you have faced and appreciate your patience while we worked to rectify this issue. 
If you have any questions, please contact our Customer Service Department at XXXX or via mail at the address listed above. Our hours of operation are Monday through Thursday from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, Friday from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Visit us on the web at www.mrcooper.com for more information. 
I hope this information is helpful and addresses your concerns. If you have any specific questions about the information I have provided, please contact me directly, using the information below. 
Sincerely, XXXX XXXX XXXX XXXX Customer Relations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX E-mail : XXXX ________________________ They requested a letter from me asking to reinstate the statements because of the bankruptcy that was filed in XXXX. The statements did not stop until XXXX so the issue of bankruptcy was not the cause of the statements not showing on the website. The statements stopped when I requested paperless statements. They promised if you choose to have paperless those statements would be available online. They declined to admit their mistakes and tried to use this as their argument for the problem. They should have fixed this and issued an apology. I have never missed a payment, but I don't have access to my statements to prove my point. 

Thank anyone for listening, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (AL)

I attempted to use my card on cash app on XX/XX/XXXX to send my brother {$100.00} and the card has been locked for fraud ever since. I spoke with the first rep around XX/XX/XXXX and was told to submit my ID to verify and have it released for use. Followed up the second day and was told they didnt receive it. I resent it again and was notified the third day to resubmit valid ID thats not expired but my ID doesnt expire until XX/XX/XXXX. Ive resent and have been denied 4 times saying its invald. So i havent been able to eat or anything since last XXXX  because this is all i have right now and no of the CSR have been any help at all and im just trying to get some satisfaction with this. The review times XXXXXXXX been given keeps getting longer and longer. I am very frustrated right now.
Consumer complaint received 2023-08-29
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-11-27
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: CITIBANK, N.A. (WA)

On XX/XX/2024 XXXX XXXX XXXX XXXXXXXX submitted an auto-pay of {$290.00}. I contacted the XXXX XXXX XXXX asking for a refund and to no longer charge my credit card. I received no reply to my request so on XXXX XXXX, XXXX  I disputed the charge with Citi Cards. Case ID XXXX Reason for Dispute-Unrecognized charge- Card ending in - XXXX It was determined on XX/XX/2024 that I was responsible for the charges. I immediately emailed Card Services and stated : " Simply because the vendor issued Citi Bank a few pages of their policy doesn't mean that I authorized the charge, which I did NOT! The charge was a total surprise to me in as much how they made my " one time '' purchase a yearly autopay. It was NOT made clear to me thus making it fraudulent. Why Citi took their side is very disappointing considering I couldn't find an authorization in the vendor 's paperwork giving them the right to charge me, yet Citi Card approved the charge anyway. What the vendor and Citi Card did was wrong. Is the same injustice going to happen again this time next year? '' I waited over two months for a reply from Citi-Cards and have yet to receive an answer, thus the reason for this complaint.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (LA)

i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.
Consumer complaint received 2023-08-31
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX  and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX bank ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX Bank ) the financial institutions and the Consumer  reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Equifax, XXXX, XXXX, ( XXXX Bank ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a XXXX XXXX XXXX not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX Bank ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Equifax, XXXX, XXXX are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo credit card in XXXX 2017 with a promotional offer of spend {$500.00} in the first 3 months and get a {$200.00} cash rewards bonus. I spent {$1000.00} in less then the 3 month period, and did n't receive my promotional offer. I called several times, and the first time I called, they told me the offer was to spend {$1000.00}, not {$500.00} ( which I did anyway ), but I did n't take a screenshot of the offer, so already I was suspect of their integrity as I could not prove I was correct. First I was told I had to wait until after the 3 months had ended, then I was told it would happen on the next billing cycle. it has since been escalated a few times, and I still have not received my cash rewards bonus. I feel like the entire thing is fraudulent and a scam, and I honestly do n't expect to get my {$200.00}.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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 are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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 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 4 business days after the date of receipt.