davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I pulled my credit report from XXXX, XXXX  and XXXX XXXX and an unauthorized entry from NATIONAL CREDIT SYSTEM. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2020. NATIONAL CREDIT SYSTEM has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Consumer complaint received 2024-10-18
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

A Car dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (FL)

I contacted AES about the cares act temporary forbearance of payments. My loan is a federal loan that was apparently sold to a private servicer. I was told they are exempt from having to comply with the CARES act. I attended XXXX University and have huge student debt. Because of it. I dont understand how a loan private servicer who is handling a federal loan can refuse to comply with CARES
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America tried to offer me about settlement after sold to the collect dept then it returned to Bank of America. I already explained that I am unemployeed since XX/XX/year> and I am on XXXX and receive XXXX and my income is low level.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

This company is engaging in securities fraud by unlawfully using my identity to extort me, and they have falsely reported a charge-off on my account. Under IRS regulations, specifically 26 U.S. Code 61 ( a ) ( 12 ), a charge-off or cancellation of debt ( COD ) is considered taxable income. The IRS requires that any forgiven debt over {$600.00} be reported as income using Form 1099-C, " Cancellation of Debt, '' unless certain exemptions apply. By misreporting this charge-off as merely a negative credit item without acknowledging the income implications, the company is violating both IRS tax XXXX requirements and SEC regulations XXXX financial disclosures under Section 10 ( b ) of the Securities Exchange Act of 1934 and Rule 10b-5, which prohibits fraudulent financial misrepresentations. Given these violations, the charge-off must be deleted from my credit report, as it inaccurately reflects the financial transaction and misrepresents taxable income.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WI)

XXXX XXXX helped me settle my debts. The account is settled and paid. The collection agency who accepted the settlement sent the account to an attorney office. I provided proof the the settlement to the attorney office but they are now suing me for said paid debt.
Consumer complaint received 2024-10-19
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. (CA)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-18
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX
Consumer complaint received 2021-07-02
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: Marlette Funding, LLC (VA)

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX Account Number : XXXX  This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

10. Identity Theft BEST EGG Account Number : XXXX  This is not mine.

11. Identity Theft XXXX  Account Number : XXXX  This is not mine.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I had opened a Citi Bank business account in XXXX of 2020. I had made a deposit to open my account in starting XXXX XXXX from money I had saved. I had helped a childhood friend of mine who had applied for an SBA loan by allowing him to transfer his money to my account since he was in between business accounts and had applied for the loan during Covid to get back on track, once he had opened his new account I had transferred his money directly to his account and It was maybe a week later that Citi Bank froze my account and would not give a reason, they just told me that my account was under investigation. This was XX/XX/2020. 

I had called my branch business representative for help and he told me my money should be released within a week or so and then I received a letter from Citi stating they were closing my account permanently and would not give a reason but the letter said I should receive my funds in the account within 30-60 days. I had waited 60 days and nothing and then got back in touch with the business rep at Citi along with Business customer care and their Fraud department at which time they told me my account was frozen by SBA and that they were taking {$15000.00} from my friends loan back.

We both contacted SBA directly multiple times and it was verified that this was untrue and SBA did not freeze my account nor did they ask for my friends loan back yet Citi froze my money although my friends SBA loan money was long transferred to him and utilized for his business needs. I had made so many attempts to rectify this with Citi, all the while they were sending me Bank statements saying that my account was open with {$15000.00} in it until last week when I received a letter stating that my account had a XXXX balance and that Citi was now closing my account. 

My friend and I contacted SBA and they again verified that they did not take the money out of my account and did not initiate a fraud investigation in which Citi had seized my funds. They verified that my friends loan was in good standing and had even provided a date when his first payment is due. This is apparently Citi bank freezing my account even though I provided proof that my friend 's loan was valid and they now seized my funds for no reason. It is apparent Citi Bank is stealing my money and will not give me an explanation of where my Money is, they simply hang up the phone on me or usher me out of the branch telling me they will not discuss this again yet gave no explanation where my {$15000.00} is and SBA does not have it. I am XXXX years old and had saved my money for a longtime to be able to open XXXX XXXX  and they have hijacked my account without properly investigating or giving details on what and why my account was locked and where my money is now. Please Help Me!
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I contacted Equifax on XX/XX/2021 requesting to verify the accuracy and compliancy of XXXX XXXX XXXX XXXX # XXXX It has been more than 30 days and I have not heard back from Equifax . Equifax can not verify this account. I want this deleted immediately from my credit report.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MN)

Ive been a satisfied customer of Chime for many years. However I recently asked them a question, regarding my account, because there was a login I wasnt sure about. There has been no fraud on my account. Instead of answering my question, or giving me advice, they simply suspended my entire account. That includes both my Spending and Checking account of over {$13000.00}. I could have just asked for a new card in the app, but feel I was punished for reaching out to them instead. I have no other access to any other money. I cant buy food, pay bills, pay for any living expenses. 
They did ask for a copy of my gov. ID, and also a picture of me holding it. I do normally feel that is an OK request to make. However right now I dont have my ID, and I need access to my money right now. This is an emergency. I have gave them a bunch of my work pay stubs, 4 years of my W-2s, my unemployment tax information, copies of my insurance card, my actual chime card, my work ID. I gave them all the information about me that I have. Everything I can to prove my identity. Right now they are not even returning my emails, or giving me a call. They are not working with me at all. I dont have any money without access to my account. Its an emergency situation.
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: National Credit Adjusters, LLC (GA)

I pulled my credit report from XXXX XXXX and XXXX XXXX and an unauthorized entry from National Credit Adjuster collecting on behalf of, XXXX XXXX in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. National Credit Adjusters has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX  and XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Employers : XXXX XXXX XXXX Employers : XXXX XXXX : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Name : XXXX XXXX
Consumer complaint received 2021-02-08
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. (NC)

Card was opened in someone else 's name and has me as an authorized user. 
XXXX XXXX  was the card issuer, XX/XX/2019 when it was opened. 
XX/XX/XXXX when closed. 
XXXX dollars was 30 days late and card was charged off.
Consumer complaint received 2021-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-08
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: BBVA FINANCIAL CORPORATION (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX/BBVA XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-08
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. (MS)

The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I contacted XXXX via Certified Mail in attempt to retrieve my XXXX  Credit Report for my own review and verification in XXXX of XXXX. I tried using XXXX  but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via XXXX because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (PA)

I placed a call into US bank requesting that late fees be waived as I was going to make a payment on the card. The first rep I talked to said that their system is allowing for one fee to be waived, I asked to speak to a supervisor cause I had wanted to get both fees waived. The rep did advise that the {$29.00} fee was the one that could be waived but I asked why not the {$40.00} fee if I am allowed one, she said its cause it was the way it was. I was transferred to a supervisor rep XXXX ID XXXX call reference XXXX, who also advised that their system only allowed 1 to be reversed, I again asked why the {$40.00} fee wasn't the one that got reversed instead of the {$30.00}. She wasn't sure why the previous rep did the {$29.00} instead of the {$40.00} but that there was nothing else that she can do. I feel that the bank had cheated me out of a higher fee to be waived if I was eligible for 1 fee per 12 month period. The rep I had initially talked to did the process so quick that I wasn't properly informed or given a chance to select the fee to be waived.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AK)

I am writing to ask for your assistance with an issue that we are having with XXXX  XXXX XXXX through Wells Fargo. 

Our loan is backed by XXXX, but serviced through Wells Fargo. In XXXX we applied for and began a three month forbearance. On the Wells site it indicated that we would be able to delay the three months of payments and add them to the end of our mortgage. The exact thing that we have heard through the news. There was no indication that XXXX loans had different rules. 

After three months of forbearance, we were able to adjust our finances. We asked to resume our payments, and in XXXX began making our normal payments. Online we indicated we wanted to add the payments to the end of the loan. Also, a Wells representative called us and we established that we would be adding the payments to the end of the loan. 

A couple months later, we started getting paperwork and phone calls indicating that XXXX had different rules and would not add the payments to the end of the loan. They indicated we needed to pay the entirety of the three months of payments. This obviously would not be possible for us. 

We received in the mail an appraisal that Wells had ordered for our house. They requested copies of our taxes, pay stubs, and bank statements. Although we did not understand why they needed them, we submitted all requested documents. In XXXX we received even more document requests. We are not sure whether they are proving we make too much, or not enough for whatever they are working on. They insisted multiple times that it was XXXX that wanted the documents. The XXXX representative stated it was not their request. 

In the ten years we have had our mortgage, we have never missed or been late on a payment. On the thirteenth, we will be in " default '' as the documents they are now requesting don't even exist and we won't be able to provide them. Things as silly as they want a " Wet stamp '' rental contract versus the digitally signed contracts we use for our tenants. 

We have requested a copy of the online agreement and phone conversations with Wells representatives, but they have never sent it. 



Thank You, XXXX XXXX XXXX
Consumer complaint received 2021-02-13
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. (OH)

I submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.