davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

This issues is with HUNTER WARFIELD. They are stating I owe a debt for an apartment complex I once resided XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Indiana. I don't owe this debt because I had to file a complaint with the XXXX XXXX Health Department, this apartment was not habitable, I had to live out of a hotel until I was able to find housing, I was not even able to eat in the home due to the rodent infestation. The health department came out and assessed the rodent issue, the inspector was XXXX. I have also attached photos and the official complaint. This issue was never address and the apartment manager XXXX knew about this issue. 

I did make XXXX " the apartment manager '' aware that I was a service connected XXXX XXXX or more service connected Veteran and I made my therapist at the VA aware of this issue on going issue.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (SC)

Subject : Explanation of Credit Report Blemish Due to Identity Theft : RE : First Progress Credit Card XXXX First Progress Credit Card XXXX I hope this letter finds you well. I am writing to explain a blemish on my credit report that has resulted from identity theft. I have been diligently working to resolve this matter and have taken all necessary steps, including filing reports with both the Federal Trade Commission ( FTC ) and the local police, as well as submitting proper disputes to all the credit reporting companies. Delete the account ASAP. 
The identity theft incident occurred when an unauthorized individual accessed my personal information, including my social security number, address, and other sensitive details. As a result of this breach, fraudulent accounts were opened without my knowledge or consent. I immediately took the following actions to rectify the situation : 1. Filed a Report with the Federal Trade Commission ( FTC ) : As soon as I became aware of the identity theft, I promptly filed a report with the FTC to report the fraudulent activity and obtain an Identity Theft Affidavit.

2. Filed a Police Report : Following the FTC 's guidelines, I contacted the local police department to file a formal report regarding identity theft.

3. Submitted Proper Disputes to Credit Reporting Companies : I have submitted detailed dispute letters to all the major credit reporting agencies, explaining the situation and requesting the removal of the fraudulent accounts from my credit report.

4. Enhanced Security Measures : To prevent further identity theft, I have enhanced my security, such as freezing my credit, implementing two-factor authentication, and regularly monitoring my financial accounts.

Delete the account immediately.

Delete the account ASAP. This account is constantly changing the Payment information, and its currently reporting inaccurate.

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.
Consumer complaint received 2023-07-03
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: WELLS FARGO & COMPANY (UT)

I ordered two tickets to a XXXX XXXX concert on XX/XX/XXXX. I tried to log into the XXXX  web site but it appears my attempt was hijacked. I realized after placing the order that the I was charged {$440.00} for two general admission tickets that I was able to buy directly from XXXX  for {$100.00} a few days later. So, I called to cancel the original order but the phone number on the ticket confirmation was to a third party called XXXX XXXX Services. I asked for credit and was told the tickets were not refundable even though the tickets had not been sent to me ( and still haven't as of XX/XX/XXXX ). 
I contacted Wells Fargo in XXXX ( I can't locate exact date ) as they manage the XXXX  account used to purchase the tickets. I explained the situation and we called XXXX together to try and resolve the situation. When that didn't work, Wells Fargo initiated a charge dispute and was told that Wells Fargo would need XXXX days to resolve the complaint as they need to give vendor time to respond. 
I received an email from Wells Fargo on XXXX indicating that they would need another 60 days to complete their review. I called on XX/XX/XXXX to complain that this was already 60 days and after talking to many people was routed to the Executive Office. 
I received an email from Wells Fargo on XX/XX/XXXX and had a subsequent conversation with a " goal is to provide you with a resolution on or before XX/XX/XXXX. '' Today is XX/XX/XXXX and I just received an email that Wells Fargo has not had time to complete research and the " What's next, We'll follow up with you by XX/XX/XXXX. If we need more time, we'll let you know. '' This is getting ridiculous and the tickets, which I haven't received, will be worthless by XX/XX/XXXX.
Consumer complaint received 2023-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I am a divorced Massachusetts public servant ( XXXX XXXX XXXX XXXX XXXX ) of 13 years and my ex-wife taught elementary school in a XXXX XXXX XXXX XXXXXXXX for 15 years. When we got married in XXXX, we consolidated our student loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( XXXX XXXX ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. 

In XXXX of XXXX Congress enacted the federal Joint Consolidated Loan Separation Act. That new allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply our combined 25 years of qualifying Public Service and have the loans discharged through XXXX. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It XXXX Concern : I received another copy of my credit report with the intention to trying to improve my credit and noticed their was not an complete update to my credit report on the previous reported claim with lender. I know the information associated with the account is not correct and needs to be updated or DELETE THE ACCOUNT. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. Again, since XX/XX/XXXX the account was supposed to be closed since the received mailed letter. In turn that means any charges after XX/XX/XXXX, the closing date of the account NOT ANY DATE AFTER XXXX, should be removed and/waived off the CLOSED ACCOUNT. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date.

Please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. THE DATE IN XXXX WAS A LATE REPORTING FROM XXXX XXXX NOT THE ACCURATELY REPORTING THE CLOSING DATE OF THE CLOSED ACCOUNT BACK I. XX/XX/XXXX. 

Remove any late payment dates AFTER XX/XX/XXXX LETTER STATED THEY CLOSED THE ACCOUNT ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account IN XXXX ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was CLOSED PER MAILED LETTER FROM LENDER ). 

Change the BALANCE and AMOUNT PASS DUE on the credit report from {$0.00}. ACCOUNT WAS CLOSED ON XX/XX/XXXX PER MAILED LETTER CUTTING A CHECK SHOWING ACCOUNT WAS FULLY PAID IN FULL ). 

In addition, the reported misinformation on my credit report as stated above as of XX/XX/XXXX is attached. Thank you for your assistance.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 

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.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (NY)

XX/XX/XXXX. 

XXXX placed XX/XX/XXXX with Klarna- this is an order that was split into 6 monthly payments. Each amount typically totaling to {$41.00}, but things are bound to change due to Klarna 's price manipulations. But besides that, there has been an issue with this order, the quality of the item not being up to par nor meeting the standards of authenticity. I reported the issues to Klarna. They said get in contact with the merchant while the installment was supposed to be paused by Klarna back in late XXXX. Efforts have been futile with both sides so I'm in a dilemma with not having a satisfactory order. I've also been getting alerts on the app that the payment is due on XX/XX/XXXX. Nonstop the order is due, the order is due. Etc etc. On top of that- for this order.. they said on the app that I owed XXXX. Now the price of what they claim I owe for this order is at {$79.00}?? It's all unacceptable & not the first nor last case with Klarna doing this to people. 

Order placed XX/XX/XXXX with Klarna - This is for a merchant I used a Klarna card with. The merchant ( XXXX XXXX XXXXXXXX ) sent me items that were far too small for a person of a tall and big build like mine. A handful of times I reached out to that merchant, without needing to be told the obvious thing to do. With no avail, I told that to Klarna and they told me to reach out to the merchant. Months later, it is the same thing. They claim to pause these orders but then decide to add new prices into the installments that were never agreed on nor has it even been warned about either. I've spoken to their specialists who have claimed to want to help but they have been no help at all, it's all like robotic-like responses. They tell me to provide them the information, I provide them the information. Several days go by after they supposedly review it, the dispute goes away and then they try to charge me again. No humanity on their parts at all. I've tried to ask for a manager too, or some higher up of their corporation but, instead a chat agent for their Klarna app, by the name of " XXXX '', decides to close the chat on me. They don't look to help, when hiccups come about with orders. Instead, they look to squeeze any kind of money they can from people, when issues come about- most especially when it falls on the merchant 's negligence of responding back and or them telling you to get in contact with the merchant, meanwhile they never tried to get in contact with the merchant themselves as well. 

The screenshots I attached are meant to show the discrepancies of what they're trying to charge me.
Consumer complaint received 2024-08-10
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. (AL)

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.

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 XXXX 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 2023-07-03
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. (FL)

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 resulted from an alleged identity theft, 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 IMMEDIATELY! 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 report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have some old/incorrect data on my Transunion credit report, I've filed the same disputes with XXXX and XXXX and they have removed the items. I am unable to file a dispute online with Transunion, they claimed my account required " maintenance '' and I should be able to file my disputes in XXXX business days, it has been XXXX business days and I am still unable. I called Transunion again, and they told me to continue to wait, meanwhile I am unable to get approved for a new mortgage while this is still on my report.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (CA)

On XX/XX/2023, I got two bank statements, one for a checking and one for savings account, from BMO Harris Bank. I contacted them on XX/XX/XXXX at XXXX XXXX, and I spoke with a person and informed them that the accounts had been opened in my name fraudulently and requested that they close the accounts. The bank representative took my information and said that they would send the compliant to the bank 's fraud department and that they accounts would be closed. I asked if I would receive something in writing, ensuring the closure and she said the bank doesn't do that, so I was forced to take her word for it. 
On XX/XX/XXXX, I received another bank statement form BMO Harris Bank for the fraudulent savings account opened in my name. The period on the statement was for XX/XX/XXXX to XX/XX/2023. Therefore, I called BMO Harris Bank on XX/XX/XXXX at XXXX XXXX, and spoke with a person named XXXX ; she refused to provide her last name. She claimed that the accounts were closed but failed to provide me with any other information such as the date they were closed. She also refused to provide any proof of the closure in writing, so they could be mailed to my address and I'd have proof of the closures. 
I am in the process of contacting an attorney to see if I can force BMO Harris Bank to provide written proof : XXXX acknowledging the accounts were opened fraudulently in my name XXXX proof the savings and checking accounts were close and when.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Madison Management Services, LLC (CA)

I have recently received statements from this Madison Managment Services with due amounts. I have never done business with such company and my mortgage company also denies having any business with this company. On their billing statement its unclear what debt they are collecting. It includes a past due amount of {$420.00} and a current payment amount of {$410.00} statement closing date of XX/XX/2023. In the statement summary I find available credit ( {$47000.00} ) and average daily balance of {$47000.00}. I have never conducted business with this company and therefore I dont feel safe contacting this company. There is no record of them in my credit report on any of the major credit report agencies. I believe they are committing fraud.
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS XXXX XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (NC)

PNC Bank sold my information to XXXX. XXXX sold my information to many mortgage brokers. For about two weeks I get over 80 calls from different mortgage brokers in a day. They use different phone numbers so there are many numbers to block. 

Around XXXX XXXX on XX/XX/2023 I submitted an application for a loan with PNC Bank. The next day I had over 80 calls from people that wanted me to borrow money from them. Some of them from the same organization. Some of them send me personal information about how much money I owed in text messages to me. They do not call me on weekends and usually don't call after hours but my phone is so busy it is difficult to use it to contact my loved ones. I am on the do not call registry with the Federal Trade Commission. XXXX has passed the information on so they can't get it back. 
The representative at PNC had the same experience. 
Everyone admits there is nothing you can do. 
A local mortgage company does not do this.