davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (TX)

I called Amsher Collections around XX/XX/2019 pertaining to my XXXX balance. They then sent me to the Attorney Law offices of XXXX XXXX. So I settled the debt with {$380.00} with the Law offices of XXXX XXXX. They explain to me that they will report to both Amsher Collections and XXXX that the balance was taken care of. They said it should take about 30 days for the debt to come off my credit report. Its been about 3 months and it still appears on my credit report. I contacted all three businesses sometime in XXXX, and they all pointed the finger at one another. Seems like no one wants to take responsibility of contacting the necessary people to get this off my credit. Not knowing what to do, my wife did some research to get in contact with your company. When I asked for an email copy of the agreement we made, they said they can only provide me with a confirmation number.
Consumer complaint received 2019-06-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer aggressively called my phone during the time of my loan at different times of the morning continuing throughout the day as late as XXXX XXXX. I spoke with them inregards to the repeated phone calls, even after I spoke with a representative. Santander also created fee and over charged me for the vehicle with the APR standing at 25 %, which forced me to do a voluntary repossession. They have sold the vehicle and still are charging me for these fees. They have been sued by other customers with the same complaint in the XXXX XXXX XXXX vs Santander Consumer as well as XXXX XXXX vs Santander Consumer.
Consumer complaint received 2019-06-03
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. (CA)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ;
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 a business line of credit was opened to send money overseas for a timely procurement of business services. On XX/XX/2023 a wire was initiated but was rejected by the bank on XX/XX/XXXX. I went through multiple security checks to set up the recipient and send the wire through online system, but the explanation I was given by the supervisor of the department who asked me to call and verify the wire was that 'it was cancelled because it was the first time I was sending an international wire '. I called this department as soon as I got a text message asking me to verify the wire, but the wire was already cancelled and I was asked to initiate another wire transfer. I initiated another wire transfer on XX/XX/XXXX, and on XX/XX/XXXX it showed as 'Completed ' in the online banking system. After a series of conversations with the customer service reps on the XXXX number lines I learned on XX/XX/XXXX that the wire was ultimately rejected from Chase bank in XXXX, who was the intermediary to the recipient 's bank. Chase bank in XXXX said the reason for rejection was because of incorrect BIC code ( which is the same as the SWIFT code ) but the code was confirmed multiple time and in writing from the recipients bank to be the correct code. 
I mentioned to 3 different reps of the bank that the issue may be that XXXX has the wrong address for the recipient 's bank in the system. When I enter the SWIFT code of the recipient 's bank it automatically populates an address that I can not change. And that address is not the same address the recipient 's bank provided. But nothing was done to investigate this. 
The bank never gave me a reason that I could understand nor provided a solution to the issue.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 correct these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I have a Barclays credit card ending in XXXX, I called Barclays and told them that there is a fraud on the account and my card was lost, They still added XXXX XXXX - {$250.00} and another charge from XXXX XXXX which is {$30.00}, In addition to that they also added {$18.00} in interest. 

I don't know how many times I would have to call them as they are not doing the needful. 

There is no online platform where I can report this on their website, that's why I'm reporting this on CFPB.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXXXXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-21
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: Navient Solutions, LLC. (GA)

XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for XXXX quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure XXXX XXXX XXXX XXXX XXXX XXXX discharge due to a XXXX Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter *** I filed for bankruptcy in XXXX and it XXXX in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND DEALTH!!!! ****** Navient, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: Bread Financial Holdings, Inc. (OH)

On XX/XX/2023 fraudulent account with commenity bank/Ulta was opened. On XX/XX/2023 I contacted the bank and notified that this account was fraud and opened due to identity theft. Bank promised to removed, it took multiple calls to finally receive a letter in the mail that this account is fraud and it will be removed. This account is still reporting to my XXXX credit burea as closed account.The credit Bureau refuses to remove it and Commenity bank is not willing to escalate this issues. Please I want this account and inquiry to be removed immediately since XXXX and XXXX. removed it immediately. It has been over 90 days and this account is still reporting. Commenity bank is very hard to deal with and the are not consumers friendly. This issue should be escalate since I already attempted multiple time to resolve this issue if not I will seek legal action against bank and XXXX. Thank you.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

Due to recent data breach wanted to freeze credit with all 3 major credit bureaus ( already had an account with all 3 ). Was very simple and easy to do through XXXX and XXXX webpages- was very difficult to freeze credit with Experian due to dark patterns trying to sell you on their on their one of their protection subscriptions. 

There is no direct link to freeze your credit on their website through protection, credit, or any others tabs without clicking into " Experian XXXX '' which tells you your " Your Experian credit file is unlocked '' and you need to upgrade your account to lock it, even after you have done a security freeze, if you wish to lock it. There seems to be no mention of security freeze for free with them unless you click into " experian XXXX  '' and even then it's very subtle where it shows Experian credit file is different from a security freeze. 

After you log into Experian it'll ask to add credit card/account for their protection services which you won't be charged ( then in fine print shows 25 month after trial ), then home page mentioned about recent data breach and how to protect yourself which takes to page promoting their paid service to lock vs freezing. 

Very deceptive dark patterns trying to get people to sign up for their " protection services '' in order to freeze/lock.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. All my Federal Student loans have been forgiven in a Borrower Defense case, but I am having problems with a Private Loan from you - XXXX  ( formerly XXXX XXXX ). As you know, there was a lawsuit against XXXX for unlawful practices, and I SHOULD HAVE BEEN included but NEVER received any information on this. I have been pleading and contacting you for years about my case, and have continuously been ignored and punished. I am struggling to make ends meet, as I have XXXX young children, and am unemployed. 
The loan is ILLEGAL, as the interest alone is 18.375 %. I have been paying for years, and the balance keeps RISING, because I can not afford the payments, and you have not only damaged my credit, but my ability to have any kind of options for living. Take my loan OUT of the negative report, and remove the balance, as this loan is OBSOLETE. Thank you for your help.