davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (NC)

XXXX and transunion are reporting a false mariner finance account on my credit report. XXXX is showing something totally different. on XXXX and transunion, this is reporting : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 But on XXXX, the account is reporting as 30 days past due with a totally different balance, on the same exact account. I have submitted ftc id theft reports to XXXX and transunion in the past to have this account removed from my credit report and they still leave the account on there. i have reported transunion and XXXX to the north carolina department of justice as well because of this and now i am prepared to sue them both in court if this is not fixed
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

I am on an income based repayment plan, I paid XXXX in XX/XX/XXXX, I started getting get calls every day at XXXX the next day. I have called and ask not to be called. I get pre recorded calls, not a person. These calls are disrupting my family. I changed the phone number to contact me. My mom continues to get the calls from navient someone named XXXX. When she answers, it 's a recording. When I call back, I speak to whomever answers the phone, I ask not to be called, emailed or texted. I am assured the calls will stop, they have not! Mom still gets the calls each and every day at XXXX. 

Just got a call from XXXX XXXX XXXX XXXX @ XXXX. Stop this harrassment!
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (MI)

account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I am writing to bring to your attention a pressing matter that requires your urgent assistance. Several accounts listed on my credit report are inaccurate and have been negatively impacting my creditworthiness. Despite my best efforts, I have been disputing these inaccuracies by mail since XXXX, but to my dismay, the issue remains unresolved as we now find ourselves in XXXX. 
The presence of these inaccurate accounts has had severe consequences on my financial standing, affecting my ability to secure loans, obtain favorable interest rates, and even impacting my job prospects. I firmly believe that these errors are causing undue distress and are not reflective of my true credit history. 
Throughout the past several months, I have diligently followed the necessary dispute procedures and provided all relevant documentation to substantiate my claims. However, it seems that my efforts have not yielded the desired outcomes, leaving me frustrated and discouraged. 
I kindly request the CFPB 's intervention to expedite the removal of these erroneous accounts from my credit report. I have retained meticulous records of my correspondence and can furnish any additional information you might require to facilitate the investigation process. 
Your support in resolving this matter would be immensely appreciated, as I am eager to restore the accuracy and integrity of my credit report promptly. Please let me know if there are any further steps or documentation I should provide to expedite the resolution process. 
Thank you for your attention to this critical matter, and I eagerly await your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Consumer complaint received 2023-08-03
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IN)

Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. on or around XXXX-XX/XX/2014. Where XXXX XXXX XXXX pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and XXXX XXXX XXXX family which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX where they fraudulently open online banking, bank cards and other bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. With out permission or authorization from me XXXX XXXX Where the XXXX family continue to control and spend larger amounts of my money up to {>= $1,000,000} XXXX Dollars. Allowing them to open other bank accounts at other Banks. XXXX XXXX XXXX her family lives at XXXX XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX XXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against me to commit fraud.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TN)

SEQUIUM ASSET SOLUTION has purchased a collection from another company which I already successfully disputed as identity thief. They are now misrepresenting the date of the actual event by two years and refusing to remove it from my credit file. This is a despicable business practice.

I live in a house XXXX  and the fraudulent service address is an apartment in XXXX, XXXX  so there is no conceiving way I could have received notice. I previously provided evidence that I had never lived nor authorized anyone living there to use my information to obtain credit. This was previously successfully disputed with the previous collections agency. SEQUIUM ASSET SOLUTION knowingly tries to collect on fraudulent debt and reports to credit agencies on knowingly fraudulent debt.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

Yesterday XX/XX/XXXX my Chime bank card somehow sent XXXX $ to a woman I don't know and I didn't send it and I called chime to report it and they did an investigation and said they won't give me my money back and that's theft!!!!! I'm a mother of XXXX and a teacher, so I can't lose XXXX $ so I need help getting my money now!!!! IM BEYOND XXXX and if they don't give me my money back I'll sue!!!!!
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VALLEY NATIONAL BANCORP (FL)

I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, my checking account was compromised. Someone other then me deposited a check in the amount of {$6800.00}, through a teller with a fake Florida identification and withdrew {$3000.00} on the very same day. 

Citibank allowed for the check to be processed without properly verifying the identity of the person, Citibank already made the admission the the suspect used a fake identification yet they processed the fraudulent deposit with careless disregard. The check was from a payroll company. Citibank is fully aware that i never worked for the company because i get direct deposit from employer XXXX XXXX and not the company reflecting the check. Upon reviewing the fraudulent check and false identification, Citibank should have called law enforcement instead they handed over {$3000.00} to the suspect. 

It was also out of character that Citibank released {$3000.00} to the suspect, again without properly verifying the account. 

On XX/XX/XXXX, XXXX XXXX made a payroll deposit to my account in the amount of {$1900.00}, on which they kept. According to CItibank they are going to keep my funds alleging that it was my fault for not keeping my personal information safely???? 

It is more than obvious that Citibank made a huge mistake when handling a fraudulent transaction and worse to have kept my payroll funds on which i nearly got evicted because i could not pay my creditors. 

On XX/XX/XXXX, correspondence was sent to Citibank to no avail. I included copies of letters from IRS where it reflects i was a victim of identity theft in the past. Also a copy of police report reflecting that my driver 's license and social security card were stolen when visiting my mothers house located at XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX. See attached copy of IRS letter and police report. Yet Citibank refused to release my payroll funds causing me a great financial hardship when i live from pay-check to paycheck like many in our Country.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2023-08-04
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (SC)

I was given a student loan in 2007. However it was never sent to my school, it was sent to me, wells fargo never verified through the school the amount of tuition or any financial aid I had received. By law it does not qualify as a student loan.as some of the funds were not used for educational purposes. I was never told all of my payments were going to go to interest and not the principal. I've paid over 18000. On a XXXX loan and still being told I owe XXXX!! This is deceitful and ridiculous not to mention the loan does not qualify as a student loan. This is so beyond wrong! Wells no longer processes student loans this way so when I call no one can help me or knows what I'm talking about. Absolutely horrible.
Consumer complaint received 2023-08-03
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX Please delete immediately.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (NJ)

I have written called emailed CREDIT KARMA to fix this issue and they wont. Credit Karma is charging my credit for XXXX that I never received and saying I signed something that I do not know what I signed but I know that a company can not charge me XXXX $ when I never received and they never gave me XXXX XXXX So how can a company charge me XXXX $ for free ( me not receiving anything ) to my credit. If they want to charge me XXXX to my credit then give me my XXXX $ loan. They tricked and scammed me because it used to be owned by XXXX  when I never agreed or signed up for being scammed and affect my credit for XXXX $ I never received. Also says if I never made a payment towards the XXXX $ in the terms in conditions that I can cancel it and they wont do it. All I know is I cant be charged XXXX $ that I never received or got. So they get XXXX $ for free from me and they didnt give me a dollar?! No way Ill go to court they cant do this Im working so hard to get my credit back and they just wipe away years of hard work on my credit. Like Im beyond upset.
Consumer complaint received 2023-08-03
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: ID Analytics, Inc. (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (UT)

I made a payment of {$300.00} to pay off the balance. They have not applied that payment yet and will not show my available credit correctly. I tried to contact them about this issue and was told I can fax in proof that it had cleared my bank. I then asked if I could email it as I don't have a way to fax it cause who uses fax any more. They said yes but they can't grantee that they will be able to get it of apply it from the email. I just want my account updated correctly so I don't get charged the XXXX XXXX interest rate. I pay this off as soon as I can to keep from paying this huge interest amount.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I went to a restaurant for lunch, by myself, with no way to pay except my debit card. 

When the time to pay came, I gave my card but it was handed back to me as not working. 

I called the bank, and they told me that my card had been turned off, and there was no way to turn it back on. I asked why, and they said that " a merchant had been compromised '' and so they turned the card off. 

There's no way for the card to be turned back on, there was no replacement card sent, and there was no notification that the card was going to be turned off, despite their assurances that a notice was sent. 

They left me with no option to pay, they wouldn't forward the money for my meal from my account to the restaurant ... how was I going to pay for this meal? They left me completely stranded and without means to pay. Its humiliating, inconvenient and ridiculous. Surely that is not the first time that has ever happened. Why would you turn off one card before another is activated?