davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (IL)

There is a fraud alert on my account. There is NO fraud on my account XXXX XXXX XXXX is a property that I cosigned for my brother. I am NO longer on the mortgage. I've reached out to the mortgage company with is now XXXX XXXX  and no longer XXXX XXXX XXXX XXXX  to remove it from my credit report. I was in the last 48 hours added as an authorized user onto a XXXX account. That is LEGITIMATE. THERE IS NO FRAUD. PLEASE REMOVE THE FRAUD ALERT IMMEDIATELY.
Consumer complaint received 2024-10-05
Product: Credit reporting 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. (SC)

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX E-Z AUTO SALES LL XXXX XXXX XXXX XXXX XXXX SERVI COASTAL MOTOR SALES FLAGSHIP CRE FINANCE XXXX XXXX BANK XXXX BANK
Consumer complaint received 2023-04-21
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)

I checked again my credit report and found that some of the data wereincorrect. 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
Consumer complaint received 2023-04-19
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. (PA)

i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed
Consumer complaint received 2023-04-21
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-10
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (NC)

This is fraud as well. Between XXXX, my personal information was being used by some unidentified person. I got a XXXX card to have my XXXX payments direct deposited on to it. When I would go to get my funds, the funds disappeared. The funds that were in a pending deposit status disappeared and there were several unauthorized transactions on my card. I had only XXXX card. Now as I am attempting to rectify the situation with all that has been damaged by this, I requested a copy of my statement. I was told by customer service that there was XXXX cards in my name. Obviously, I never had XXXX cards. I requested the statements approximately 2 months ago and the company continuously makes excuses as to why I can not retrieve them. Under the statue of limitations, financial institutions are required to keep statements on file for 7 years. I was then told because my account was closed I could not get the statements. This was all after I was first told I would receive them via e-mail within 48 hours. I later received an e-mail stating they needed documents from me after they had verified my information. I refused to give out personal information to a company that stole my money. A representative in the corporate office named XXXX XXXX contacted me and told me they needed the documents due to the fraud on my account. They know there was fraud but they never paid me for the fraudulent transactions or the money that was taken. XXXX told me as soon as I sent the information he would release my statements. I sent the information immediately and received an e-mail stating they received my information and I would have my statements within 48 hours. Again, I waited and no statements. I contacted Netspend yet again via e-mail. My e-mail went ignored. I e-mailed XXXX XXXX directly and that e-mail went ignored. Finally when I told him I would be filing a complaint he said they did not receive my identification which is a lie. At any rate, I sent over my identification again. XXXX then said the attachment was blank. Another lie. I sent it again and then followed up with an e-mail. XXXX ignored my e-mail and has not responded. Evidently, they do not want me to see the transactions and realize it was them themselves who stole the money. I have read about the same thing occurring with other people with this very same crooked company. i asked XXXX why he would n't just make good on the money taken. He did not respond. The bottom line is XXXX stole money from my card, made false transactions and will not supply me with my statements that I have been requesting for two months or more.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NJ)

I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. 

Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.
Consumer complaint received 2023-04-21
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

If you feel there are a possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-29
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (VA)

ON XX/XX/XXXX I VISIT THE XXXX XXXX XXXX LOCATED IN XXXX XXXXXXXX XXXX 
A CREDIT APPICATION WAS SUBMITTED FOR A XXXXXXXX XXXX 
DURING THE PROCESS NO AMOUNT WAS DISCLOSED. 
SHORLTY AFTER THE DEALER ASKED IF I HAD A DEPOSIT ILL BE WILLING TO PUT DOWN WHICH I DEINED. 
THE APPLICATION WAS RECIVED BUT HAD A PENDING STATUS AND WAS TOLD ILL BE CALL ONCE A DISCUSSION HAD BEEN REACH. XXXX XXXX XXXX  I FINALLY SPOKE WITH DEALERSHIP WHERE THEY SAY SHEFFIELD FINANICAL WAS REQUESTING A CO-SIGNER. REASON STATED BECUASE OF LOAN AMOUNT. IVE EXPLAIN THAT NOT ONLY HAVE I PAID OFF EQUITMENT NOT FAR FROM THE AMOUNT IN THE PAST IT WAS PAID OFF EARLY. I ALSO INCLUDED THAT I HAD ANOTHER LOAN FOR THE WITH HIGH LIMITS PAID OFF EALRY. 
ON XX/XX/XXXX I CONTACTED Sheffield Financial ServicesXXXX WHERE I WAS BY XXXX XXXX. I ASKED FOR HIS COMPANY CONTACT INFORMATION. HE THEN BECAME VERY AGGESSIVE. I TOLD HIM HIM I WOULD CALL BACK. FOLLOW THAT CALL I CALLED BACK IN SPEAKING WITH XXXX XXXX. I REQUSTED THE COMPANYS INFO, I WAS THEN PLACE ON HOLD SHE STATED SHE DIDNT HAVE ANY INFORMATION. MOMENTS LATER XXXX XXXX GOT ON THE LINE STATING " IS THIS XXXX YES WE MADE OUR DECISION AND WE DONT WANT TO DO BUSINESS WITH YOU AND HUNG UP ''. HE NEVER INTRODUCED HIMSELF AND DIDNT LET ME GET A WORD IN .... I HAVE DOCUMENTS FROM THIS ACTION ALSO. 

( audio files are to long for upload please provide an alterative source ).
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I received a letter stating I had until XXXX/XXXX/XXXX to resubmit my information for XXXX through XXXX. I lost my job last year and have been doing contract work since and created my own XXXX as a XXXX, so I had questions as to how to report my current income given I do not even make half of what I made last year. I called customer service and submitted exactly what they told me to submit on XXXX/XXXX/XXXX. I faxed the documents as well as sent them in the mail on XXXX/XXXX/XXXX. I received a letter stating more information was required and my bank documents were not enough as I was previously told. I immediately sent in what the next person told me to send in which was a letterhead from my XXXX stating this was my business that I own and I pay myself. 
I received a denial. I called and was told this was because I stated " sole proprietor '' and not business owner on the letter. I asked exactly what does the letter need to state because I could not afford the payments of almost $ 1600/month when I am a XXXX mother and only bring home about $ 3500- {$4000.00} a month. I was then given an amount of $ XXXX. I questioned this as this was more than the 15 % I was told my payment would be. I called again and emailed. I was told I was denied again and my payments would be based on my income from XXXX when I made almost three times the amount I do now. 
I called and spoke to another representative. XXXX now told me I had to resubmit my application entirely in order for them to recalculate their mistake. As soon as I did, XXXX stated my application was now late and added {$20000.00} to my balance. They finally fixed the calculation after weeks of phone calls and begging for someone to listen to me. 
XXXX finally calculated my payments correctly based on this years income and not my previous job from which I was laid off, but not before demanding one inflated payment due right before XXXX. I am a XXXX mother of XXXX children and I have only made {$900.00} this month due to insurance company delayed payments from the patients I see. I XXXX XXXX XXXX XXXX XXXX and that business has died because I XXXX XXXX XXXX XXXX in which no one knows what is happening to that any longer. There is no way I can skip paying my electric and house payment in order to pay a loan payment that never should have been calculated so high to begin with. The calls are recorded and they have proof I did exactly what I was told to do by them. 
Each representative told me something else. They made the mistake and are now trying to exploit money out of it. They are holding my credit hostage too. I have good credit and now it will be ruined because I literally can not make the inflated payment they are demanding due to their miscalculation.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

US Bank has denied several claims I've made in an attempt to retrieve funds from an UNAUTHORIZED XXXX transfer to a person I do not know and for an amount far above what I can afford to lose ( more than a month 's rent ). On XX/XX/2023 I was emailed about a {$2000.00} XXXX transfer to a XXXX XXXX. I do not know this person, nor would I ever send this large a sum of money via online transfers ( XXXX, XXXX, etc. ). I've since spent countless hours on the phone with US Bank 's fraud liaison center as well as in person at a local branch. At the advice of the fraud center, I closed the original accounts and opened up a new one as I was told they had been compromised. When I was notified of the first denied claim, I was told a police report may serve as new evidence to help me retrieve the stolen funds. They once again denied the claim, calling it a duplicate without spending any additional time to review new details. After my most recent conversation with the fraud center, I was told that no one was willing to tell me the truth within US Bank and that fraudulent XXXX claims are rarely successful. I was told there is no one else I can reach out to and nothing else I can do. For the price of a stolen {$2000.00}, I've achieved nothing but wasted time over the course of several weeks. Why are there no protections against XXXX fraud if every bank is constantly advertising for them? Why is there no way to get ahold of a XXXX representative about fraud claims? Neither entities want to take responsibility for what is obviously an unsafe platform very easily susceptible to theft. Even for cases where it's just a mistake, how is it possible the transactions can not be reversed? There should be insurance for these types of scenarios to avoid leaving customers hanging out to dry.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I mailed a check to my granddaughter from Florida to Georgia. The check was stolen and the name, date and amount were changed. It is very obvious to anyone that the check was altered but someone walked into a Wells Fargo branch and was told the amount of money in the account and cashed a check for {$7000.00} to completely wipe out my account.. Another check hit the bank the same day so the account became overdrawn. I was sent a notice from Wells Fargo that my account was overdrawn. I immediately checked the account and saw a check for {$7000.00} had been cashed. I went to the bank branch in XXXX XXXX XXXX and was told they could not help me. I had to do everything by phone. I stayed in the bank and made the phone call. My current account was closed and a new account was opened. But I had no money or checks to pay my bills. I have made approximately 10 phone calls to Wells Fargo since XX/XX/XXXX and have accomplished nothing except a runaround and lies. I contacted the XXXX Police Department and our local sheriff 's fraud department and filed a complaint. I contacted all of the credit bureaus and froze the accounts. I have not yet been able to speak to anyone that spoke good english and could give me any good information. Wells Fargo personnel constantly change the rules and things I am supposed to do. I was told it would take 2 to 5 business days to get my money replaced. When that didn't happen I was told 10 to 12 business days, then 12 to 14 days. Now that 14 days have passed an agent told me they were mailing me an affidavit ( supposedly mailed XX/XX/XXXX but I have not received it ). I am to complete the affidavit and mail it back to them, then they will start their investigation. The agent also told me they tried to call me on XX/XX/XXXX but I have no record of any call. I did receive a letter from Wells Fargo on XX/XX/XXXX, dated XX/XX/XXXX stating they would help me and to call a number. When I called the number the person said I needed the 8 digit code that was in the letter. I have had several people look at the letter and there is no 8 digit code. I asked them to send a text to my phone and I would reply but they said they couldn't do that. I was informed that without the XXXX digit code nothing could be done to help me. I am totally mentally exhausted from this frustration. Everytime I get to talk to someone after pushing many buttons on the phone they say it is not their department and the department that I need does not accept phone calls or emails. This is a nightmare. I am XXXX XXXX XXXX and a widow. My social security and my husband 's federal pension have been stolen. Please help me.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I was granted an extension from XXXX XXXX for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Consumer complaint received 2023-04-21
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)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
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. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.