davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the inaccurate accounts. I have attached supporting documentation, including identification documentation, to verify my claims and request a thorough investigation into this matter. I understand the importance of accurate credit reporting, and I expect that my complaint will be taken seriously and addressed promptly. The following accounts should be removed right away : DEPT OF XXXX XXXX Balance {$980.00} ; DEPT OF XXXX XXXX Balance {$3000.00} ; DEPT OF XXXX XXXX Balance {$2300.00} ; DEPT OF XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance $ XXXX.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (NY)

In XX/XX/2023, I encountered an individual online who, in the course of our interactions, introduced me to two cryptocurrency investment entities known as " XXXX '' and " XXXX. '' Given my limited knowledge and experience in the field of cryptocurrency, I placed my trust in this individual and followed their instructions accordingly. Consequently, I initiated a transfer of funds from my personal Key Bank account to an intermediary platform called XXXX, where the funds were subsequently converted into cryptocurrency and directed toward the wallet of the individual in question. It is important to note that this transfer was carried out under duress and based on false representations made by the individual. 
Subsequently, upon expressing my desire to withdraw the purported profits from my investment, I was informed by the aforementioned individual that I would need to satisfy a significant tax obligation. This particular development raised considerable suspicion and prompted me to exercise caution. Consequently, I decided not to comply with the request to pay the indicated tax. Regrettably, my refusal to fulfil this demand resulted in my expulsion from the platform and the subsequent blocking of my account. It is important to emphasize that these events transpired within the context of what can be perceived as an orchestrated scam. The individual who introduced me to the aforementioned cryptocurrency investment entities appeared to have engaged in coercive tactics and deliberately misled me to illicitly obtain funds. This unfortunate experience serves as a stark reminder of the need for due diligence and vigilance when navigating the complex realm of online investments, particularly within the cryptocurrency landscape. The total amount sent from my Key Bank account is XXXX USD.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

Mohela is my current loan servicer on my federal student loans. I have been working for the XXXX of Wisconsin for over 25 years all in public service and have made more than the required XXXX payments under the XXXX program. They say I have only made payments that total XXXX and am short of the XXXX but during XXXX payments were put on hold and we were supposed to get credit for those payments. 
If and when those months are counted towards the XXXX I would easily be forgiven. Also I have never received although I have asked during numerous phone calls in the months of XXXX and XXXX on what is the hold up. 
I have also made payments to NAVIENT which was my other service provider prior to consolidation with Mohela and under the rules, I was supposed to receive credit for all these payments as well. Mohela told me they would look into it and get back to me but they just send empty messages that don't directly answer my questions. I have also started repayments again on these loans under the PLSF but I feel I have made more than the XXXX payments and should be receiving money back for overpayment. The customer service is lacking at Mohela, when I called in XXXX I was on hold for over XXXX minutes and then received a person who was getting trained as my support staff. I knew more about the program than she did. Totally unacceptable. Please help me.
Consumer complaint received 2023-07-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-07-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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: SYNCHRONY FINANCIAL (TX)

I have been using Care Credit for over 10 years now. My wife, XXXX XXXX, is an authorized user so we both have made purchases over the years. Some of these purchases would be " promotional purchases '' which means no interest is paid within 6/12/18 months. 
I am having a couple of issues with Care Credit. First, the biggest issue. The monthly balance due does not add up to the detailed purchases over the past several years. 
As of today, XX/XX/2023 my balance shows {$3000.00} with a minimum due of {$99.00}. 
However, when I print up the statement that shows purchase history, the balance does not add up to the amount owed. When added up, the total comes out to {$1300.00}. I will be sending additional documentation showing proof. So, the first question is, where's the remaining {$1600.00}? 
My second issue, I have sent multiple email over the course of two years trying to get some sort of explanation of how they came up with these numbers, but I don't get an actual answer or printed statement of these supposed numbers. 
My third issue, many times I have called to make a payment and have it allocated towards certain purchases and then follow up with an email. Some of these purchases would supposed to get paid off, then then when I look online it shows that I still have a balance. 
How is that possible? I feel like there's some shady things going on with Care Credit 's accounting as I have still yet to have received a proper answer. 

I will be sending documents via fax or email, as soon as I get the correct contact information. 

Thank you for your help. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (FL)

CFPB Write up In accordance with the fair credit reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction.
Consumer complaint received 2023-07-18
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-18
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX 2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address po box XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit federal TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 72 months Payment History XXXX made 78 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-18
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. (CT)

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 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 2023-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

This company charges an inordinate amount of monthly fees on a basic line of credit. They are essentially taking XXXX dollars a month from me from a XXXX loan. I have never seen such a predatory company and am surprised they can give XXXX percent interest loans without any government interference. This is predatory at best and criminal at worst.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-17
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. (IL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (KY)

I called them on XX/XX/2023, the day that the issue came up, and I've called them and, as directed by the company, reached out through the app for support almost daily ... I know it was for XXXX or XXXX days in a roll, then off and on again till again today, XX/XX/2023. The company said they couldn't verify my ID and wouldn't help with any questions regarding that situation but offered to help with any other issues but not the one at hand ... Plus, the next time I went to log into my account, it said I couldn't be verified, and it made me make a new account using the email that was already assigned to my already existing account, so now I'm not sure where or how to get access to it and my funds that are in it. On XX/XX/2023, XXXX XXXX sent me {$230.00} to pay for fireworks bought from the Fireworks stand I was in charge of as a XXXX So, with that said, at the end of the season, I had to pay out of my pocket {$230.00} for the fireworks that were purchased that weren't mine because I couldn't access the funds sent for them. The account is a ghost account. It was never officially set up or activated. This has also been brought to the company 's attention, yet they are not budging on granting access to the account.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

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.
Consumer complaint received 2023-07-03
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. (NM)

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
Consumer complaint received 2023-07-03
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. (TN)

This is my 15th 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, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX