davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G. 
if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Several years ago, we arranged a settlement with XXXX XXXX for a repossession of our vehicle that was handled inappropriately & negatively impacted our lives. Upon negotiation, it was determined that a set amount would be sent to us & that all of this would be removed from all reporting agencies where our credit is concerned. We have waited several years for this removal from our credit report to occur and it did not. It has negatively impacted our families since that time & impaired our ability to get credit in many cases. I have had to finally go in & fight this on our credit report through disputing this incident. We are deeply disappointed that after a traumatic experience of losing our vehicle through inappropriate means and negotiating a settlement, that this issue with our credit would greatly impair our ability to provide for our families. It is definitely not what we were told would occur. 

The vehicle was financed in XXXX XXXX & XXXX XXXX, XXXX names. The vehicle was repossessed in 2016. It was a red XXXX XXXX.
Consumer complaint received 2016-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

i had a bill in the amount of {$500.00}. to XXXX in XXXX XXXX went to collections with XXXX XXXX XX/XX/XXXX for XXXX.then to XXXX for {$1800.00} XXXX XXXX XXXX then to XXXX. for {$1800.00} XXXX XXXX XXXX then to afni. for {$2000.00} on XXXX XXXX last reported XXXX XXXX XXXX by afni for {$2000.00}.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX Account # XXXX Amount : {$2900.00}
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

A check for {$9200.00} was deposited on XX/XX/XXXX. 
Chase put a hold on the check as well as restricted my account on XX/XX/XXXX. 
They sent me a virtual letter stating that I need to call them or they might close my account. 
I called the same day and was told that they needed to call the maker of the check to verify the check. When I provided the makers phone number I was told that the phone number isn't " verified '' and that I would have to wait 7 days for the check to clear to access the funds. 
The funds were cleared within 7 days but the restriction wasn't lifted on my account. 
On XX/XX/XXXX went to my local branch to figure it out and was told they still need to verify the check by phone which they couldn't do because the maker was out of the country and the phone number was not a " verified '' number. 
I was also told that the alternative would be that I would wait for my account to close so that they could send the funds back to the maker so that they could just wire it to me when I reopen my account.. 
I reopened my account on XX/XX/XXXX at the same branch the funds were taken off my account and was told that since I've been with Chase for over 7 years there was no need to send the money back to the maker and that they will release the funds to me. I would just need to call them back in 3 to 5 business days to start the process. 
I called them back once XXXX and also the XXXX. I was once again told that the funds will NOT be released until they can call the maker. ( I've provided both phone numbers for the maker everytime they asked ) On XX/XX/XXXX one of the makers ( XXXX names on the check ) and I physically went to a Chase Bank branch and provided proper identification but were told by the branch manager that there was nothing they could do and that Chase would hold on to the funds until they can verify the check by phone. We were also told that they use an external service to verify phone numbers called XXXX. ... 
The maker has contacted their cell service provider and confirmed that all their information is up-to-date. 
I was later contacted by Chase 's escalation department and was told that again Chase needs to verify the check by phone and the phone number needs to be verified by XXXX or have the maker requested a recall on the funds through their bank. 

On XX/XX/XXXX we tried to recall the check at the XXXX  XXXX XXXX branch with the maker which didn't work since the funds were already cleared almost 2 months ago and Chase has removed the funds from my account. The maker and also went to the Chase branch and the maker even provided his own Chase credit card with all his information including his phone number ( same one that has been provided before ) on a Chase account to further verify his identity but Chase still won't release the funds. So now there's over {$9000.00} just that neither I or the maker can get access to. 
It's been almost 2 months and this feels like a scam
Consumer complaint received 2023-08-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I requested to validate the credit which I am allowed bi law yet in report XXXX you denied me the validation because I said that this might be fraud as I was XXXX XXXX on XX/XX/XXXX. I provided a disposition of the court which proves where I was a court document which your company also failed to acknowledge the report shows letters way into the year XXXX yet your company does not want to allow me my right to validate the debt. I submitted several disputes and I have not been given any evidence the debt is mine. It was fine on the internet in a time I was not allowed access to the internet yet your company does not give me what I am allowed bi law. Which is the credit file so I may validate the debt. So either allow me to validate the debt or except the fact that it was done wrongfully and remove it from my credit report as XXXX  already seen the error and removed it from my report b cause your violating the law and my rights
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

You had already made them give me my money back for the XXXX this time they took XXXX? Overdrafting my account {$500.00} this time. I just wan na point out that if they say, That they didnt have the new card to run the {$35.00} ( that we agreed upon from the very beginning and spoke about after they return those illegal withdrawals, many times, to continue my payment plan. But if they didnt have the new card number, then how did they withdraw a new amount? If they didnt have the new card to continue the payment plan. Id like to stop any payments with this collection company until they figure out how my cards being used on different dates. When you make a payment plan it withdraws each month on the same day. My payments were withdrawn multiple times each month on different days, never the same day! But payment say payments and purchases, say purchases they tried to pass off purchases as payments. Just want to point that out. As well as this has caused me homelessness because this is my debit card. I lost my job also because of trying to handle this unauthorized payment. And now theyve done this again during the time I dont have an any income. I am supposed to travel to XXXX different states for court and it has now hindered my ability to not only go back to North Carolina to renew my registration for my vehicle but I cant get things fixed on my car to get down there because this payment was taken out, I cant pay my car taxes because this payment was taken out and it takes too much time to return the money. Now this is both Wells Fargo allowing this payment when I havent authorized it. But also XXXX XXXX  so Wellsfargo should refund the money and ask them whats going on because they are allowing me to be targeted never had a problem before until XXXX XXXX and XXXX XXXX and XXXX XXXX stole my cards and allowed this along with the doj and fbi as a means to keep me homeless and car-less and jobless bc they are all going to prison and I have a enough cops to sue, do you really want me suing your company?
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (SC)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2023-10-02
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-01
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: LEXISNEXIS (FL)

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.

The letters are stated with items and issues.

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 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 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 2023-08-01
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. (NJ)

Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XXXX  for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IN)

The above three accounts ( Discover, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Consumer complaint received 2023-10-02
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. (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
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (MT)

This complaint is against Great Lakes Student Loan Servicing. 

I have a Parent Plus loan with Great Lakes. My daughter makes all the payments. She pays {$50.00} a month as agreed. The payments are automatically withdrawn. She has not missed a payment in the past 18 months and we expected that by now this would be back into repayment status and out of default. 

I am seeking to be a first time home buyer. I can not get a mortgage until my credit report shows the default is removed. 
My daughter has been in contact with Great Lakes over the passed year asking how to get this loan out of default, but she was told only by paying it off in full. I didn't believe this to be such a harsh truth. 

I contacted Great Lakes onXX/XX/XXXX and asked how I could bring it out of default status. I was told that it can not come out of default except to 1 ) pay it in full or 2 ) consolidate it. 

I do not have the {$19000.00}. ( The original loan is {$16000.00}, but they have added fees ). 
Thus I have requested a consolidation from XXXX XXXX, where my loans are. I work for a non profit and I have my loans all consolidated- some that originated with Great Lakes. I asked Great Lakes why this loan was left out, and the response was that I never had any other Great Lakes loan. ( I had my own, plus another of my daughter 's consolidated that were Great Lakes. ) XXXX XXXX is very helpful and is expediting the processing of the consolidation on their end. It's just a matter of Great Lakes responding to the request. I called Great Lakes again today ( XX/XX/XXXX ) to request that they expedite on their end so that my loan can be removed from Default so that I may still get the opportunity to purchase a home. ( I have a window of affordable opportunity that is rare. ) The loan counseloXXXX was not concerning herself with assisting my request. She acknowledged that the XXXX XXXX consolidation request had been received, but it might not be processed for 90 days and if I didn't agree to a payment today that I could get my wages garnished. Her concern was to get me to pay {$70.00} payment today. I reminded her that my daughter 's automatic payment {$50.00} comes to them on the 23 every month. The representative insisted that I make a payment of {$70.00} today and implied that if I did not that I was not being cooperative therefore they would have to take action. I asked to speak with the Consolidation department but she said, " They are behind closed doors and no one gets to speak with them. '' I had to hang up because I felt harassed and not reaching resolve. 

It seems that Great Lakes is trying to hold on to the loan for a few more months to collect " {$70.00} of interest that is accruing each month. '' This is serious predatory lending especially if they request a garnishment of my wages when I have applied for a consolidation out their servicing.