davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
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 submitted two disputes with Equifax on XX/XX/2018. I have two accounts listed in collections that I have paid off. I have letters from the companies proving that I have paid my debt. I spoke with Equifax on the phone and they advised me to fax them copies of these letters. I did that. The person I spoke to said it would be updated in 5 business days. After 5 business days, I called again and they said the fax was not uploaded and attached to my disputes. This is preventing me from getting a mortgage. The other two credit  bureaus have updated my balances for XXXX XXXX and XXXX XXXX. Equifax is the only one that refuses to update even after I have supplied them with proof. I am working two full time jobs to pay down debt and improve my credit score. Equifax should not have the power to stop my mortgage when I am doing everything right and PROVING to them that my debt is paid.
Consumer complaint received 2018-04-05
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. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Attempting to remove a credit freeze with Experian. Unable to get through to anyone who can help. Website and phone contact gets nowhere. No one answers at any of their published phone numbers. Error message when submitting request online.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GVA Holdings, LLC (AZ)

I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXX through today ( XX/XX/XXXX ). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails, XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
Consumer complaint received 2018-07-24
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. (NY)

XXXX XXXX CU I never had a XXXX account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit. 
Balance {$16000.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late
Consumer complaint received 2018-04-05
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: FIRST NATIONAL BANK OF OMAHA (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the First National Bank of Omaha. This account was opened due to fraud.
Consumer complaint received 2018-07-24
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)

I had a dispute with XXXX for {$99.00}. When I closed my account in XX/XX/XXXX, there was a balance of XXXX XXXX points, worth {$200.00}. My final bill was {$99.00}. XXXX blocked my online account access and failed to respond to inquiries about using the {$200.00} in rewards I had earned toward my balance. Instead of attempting to contact me directly in regard to my dispute, XXXX referred me to a collection agency for {$99.00}. Despite the fact XXXX should have owed me {$100.00}, I paid XXXX XXXX {$99.00} to have the account removed from collections. XXXX never responded to my initial dispute, did not honor my reward earnings, and referred my account to a collection agency without notifying me. 

XXXX ( {$99.00} charge ) briefly appeared on my XXXX credit file, but was removed. However, XXXX is still listed as an adverse account on my Transunion credit report. I have submitted multiple disputes with Tranusnion beginning in XX/XX/XXXX. Transunion informed me that despite that fact that I have documentation stating the account was paid in full from XXXX, the item can not be removed from my credit file. The XXXX account was never adverse, nor should it have been sent to collections. I have disputed the issue with both XXXX and Transunion from the onset.
Consumer complaint received 2018-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The HPD approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from Portfolio Recovery, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In XX/XX/2011 false charges were filed against me by the XXXX XXXX XXXX XXXX. They took my kids and truck full of my stuff for income. Judge XXXX signed the order with Sheriff XXXX XXXX I was told. My pick up was taken with a Title loan on it. They claim you must pay it even if it was stolen. This ensures the corrupt XXXX gets money and a free truck. They then place it on your credit report and do not remove it with an inflated amount due you can not pay and deny financial support with thier judge so they can steal your identity after they make you homeless. They stalk you with a XXXX and more.You have to pay a ton of fees for application fees for an apartment then you are denied. The court house also tries to murder you falsifying information and allowing thier cop to try to beat you to death all while not booking you into jail for false charges. The XXXX must be stopped as it is clearly communism.They should not be allowed to do this and take everything you worked for. They even call your job and make up false claims.Non of thier false claims or charges have been proved. The corruption must be stopped. Integrity must be restored and new laws made.Slavery was abolished in XXXX in XXXX and in XXXX in the United States. Please do something.
Consumer complaint received 2018-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (WI)

I have unsecured installment loan with Wells Fargo ( account # XXXX XXXX XXXX XXXX ) that was arrange through the company that replaced my furnace and AC unit in XXXX. The original loan amount was approximately {$13000.00}. 

In the spring of XXXX I had a flood at my home and I arranged for XXXX XXXX XXXX to mitigate the damage which cost XXXX ( cheque # XXXX ) In XXXX of XXXX, made my month payment to Wells Fargo of {$230.00}. I also paid XXXX XXXX the full amount owed. Unfortunately, I placed the cheques in the wrong envelopes ; XXXX XXXX received Wells Fargo 's payment and Wells Fargo Received XXXX XXXX ' cheque. I was alerted to the mistake when the accounts received people at XXXX XXXX called saying the received a cheque made out to Wells Fargo. The agreed to return the cheque to me. 

I called Wells Fargo 's Customer service number on or about XX/XX/XXXX and informed them of the error. They stated that had cashed the cheque made out to XXXX XXXX and Credited my loan account. 

I explained the mix up and asked them to refund the amount I had paid them in error and inquiring why they cashed a cheque that was clearly not written to them. 

Wells Fargo agreed to return the money to me in ELEVEN day less the loan payment amount and would charge a late fee of {$38.00}. 

At time of writing ( XX/XX/XXXX ) I have not received the reimbursement I asked for and paid for with the service fee. 

Now XXXX XXXX is beginning legal action for non-payment. 

Please help me recover my money.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I understand that you are currently in the process of a lawsuit against Navient/XXXX From what I read, the lawsuits states that deferment was pushed by the servicer and the interests accrued where placed into the principal. This is completely true. I have {$12000.00} of capitalized interest since XX/XX/XXXX.
Consumer complaint received 2018-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an unauthorized " Hard Inquiry '' on my credit report from a company called XXXX, who was affiliated with XXXX. 

We had been in the process of looking for a merchant services account, and came across them through a link on XXXX. 

I was originally told by a person at XXXX it was a soft inquiry, and got virtually almost no information past that from the sales person, stating it was no big deal. 

I was irritated to see it and tried to submit a complaint and dispute to transunion. 
Not only was I unable to upload a proper document to submit a dispute online, I was told by a phone representative that if I wanted to dispute it, I'd have to obtain a letter from the offending party at XXXX stating that they did it. 

When I told them that that is ridiculous, and that they are asking me as the victim of misuse of my credit information, to ask my perpetrator to tell on themselves as the only way to remove this from my report. 

They stated yes. 

I told them that was absolutely ridiculous and empowering misuse of peoples credit information, leaving the victim no way to remove misuse of their information on their report. They stated it was the only way they would do it, and I told them that's a violation of my credit reporting rights. 

That's like asking a XXXX victims XXXX to self confess to XXXX, as the only way the XXXX can be convicted. I think we'd all agree there is a serious flaw there, and that transunion is in violation of my credit rights it attempting to maintain this policy. 

I want the hard inquiry removed, and for transunion to be fined heavily for violation of my credit rights. 

I have already been a victim of both tax fraud, and identity theft, and find this to be absolutely infuriating and very upsetting. 

If I did not give someone authorization to do a hard inquiry on my report, I have every right to have them remove it. 

In a day where we are seeing data breaches at credit agencies, and large companies like XXXX, to behave in this manner toward a victim of credit information misuse is sickening, and I expect action taken against Transunion. 

Please help me in this matter.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l. (TX)

I received communication from XXXX XXXX about a debt from XXXX on XX/XX/18. I immediately called as they are not the first collection agency to contact me about this debt to inform them this is not my debt. I was unable to speak with anyone in debt about the account because my information didn't match the information they had on file. I explained that XXXX closed the account and was sued for collection attempts and as they were 100 % aware it was a fraud account and the debt is not mine, no signature, not the correct address and i was able to prove to them it was opened under fraud circumstances, etc so I have no clue why they sold a bad debt to them, The lady stated all they can do is cease communication nonetheless the account has appeared on my credit.
Consumer complaint received 2018-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

Purchased XXXX XXXX in XX/XX/2013 and financed through Santander. The car was {$17000.00} when purchased ; with the fees and interest rates the balance is about {$13000.00} -- 5 years later. The car is on its last leg and need work done -- it has over 130,000 miles on it. The amount of money I still owe is ridiculous and I realize that my credit wasn't the greatest when I got this loan and have had some issues with making payments over the years but I owe {$4000.00} less than I did when I first purchased the car and there's no way that this car is going to last for the next 2-3 years its  going to take to pay it off. According to XXXX the car is only worth $ XXXX-XXXX -- I still owe {$13000.00}.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OK)

Diversified Consultants, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX | Complaint : Diversified Consultants placed a collection debt on my credit report ( s ) during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

A recent review of my major credit reports reveal Diversified Consultants placed a collection debt on my credit report ( s ) regarding XXXX XXXX XXXX XXXX during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

I have not received any written communication from Diversified Consultants via US Mail regular 1st class mail service, or any certified mail service that my signature guarantees my receipt of debt validation, and debt collector validation. 

Most important, I have not received the due process of validating the debt, and the debt collector. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, submitted a consumer dispute regarding the collection debt through the companys corporate website at www.dcicollect.com ( copy of dispute attached ). My dispute outlined the necessary information a debt collector must provide to validate the debt, and to validate the legitimacy of the debt collector. 

On XX/XX/XXXX, I received an email response from employee XXXX XXXX, Compliance Analyst ( copy of email attached ). The email stated that she would forward the email to the appropriate office ( Copy of email attached ). The email also states that I could receive something in the mail. 

On XX/XX/XXXX, I received a notice from XXXX XXXX that Diversified Consultants had placed a collection account on my XXXX credit report ( copy of email attached ). 

Under FDCPA Section 809 ( b ), debt collectors are not allowed to pursue collection activity until the debt is validated. In XXXX XXXX, XXXX XXXX XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

I filed a complaint with the XXXX XXXX XXXX of Florida. The company states they have done no wrong. The company states they mailed validation information XX/XX/XXXX. I did not receive any information in the mail. The company has not provided any proof of mailing from the United States Postal Service such as a " certificate of mailing '', or a " certified mail return receipt ''
Consumer complaint received 2018-04-05
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. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.
Consumer complaint received 2018-07-24
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. (MI)

i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX  and XXXX but still showing on my trans union, the account is from Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my XXXX report which is simular to my problem with transunion report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX  XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX
Consumer complaint received 2018-12-03
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: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. AmEx told us they would investigate. Way, way later, in XX/XX/XXXX, we learned that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. 

We asked them to re-open the dispute, which they did in XX/XX/XXXX. 

They have now closed our dispute again, saying, " contact the merchant yourself. This was too long ago for us to deal with. ''
Consumer complaint received 2018-04-05
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: JPMORGAN CHASE & CO. (IL)

I have 9 hard credit inquiries feom Chase Card on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All dates are 2017 and I have not applied for anything through Chase Card.
Consumer complaint received 2022-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

There is zero record of my Master Promissory Note for this loan. I have made repeated requests to Navient, who was the original holder of my XXXX XXXX XXXX XXXX loan from Sallie Mae to Navient, and no one is able to produce this document. This document, which should be held by both Navient, XXXX and the Department of Education, can not be found by anyone. This loan was originated in XXXX of 2006, and has since been transferred to XXXX.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MT)

I have a security freeze on my credit file. So does my wife. Whenever we try to lift our freeze temporarily we ALWAYS get the same warning " Were sorry there is a technical problem with our system ... .... '' We try to phone in and the automated telephone system doesn't work either. It only allows you to place a freeze on your credit, but you cant go through the automated system to lift it. You can't even talk to someone, you go through all the menus and you just go round and round hearing the same recordings over and over, and can never talk to someone in person. We need access to our credit and Experian is holding it hostage.