davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

I called and spoke with an Aidvantage customer service representative and their supervisor on XX/XX/XXXX. I noticed that my loans did not correctly show " in school status ''. Aidvantage refused to correct it I also spoke with them about the same issue in the fall of XXXX, and it was still not corrected. I was told that I would receive a paper form to be filled out in XXXX hours. I never received the form. I sent a follow up email to Aidvantage about the ongoing problems on XX/XX/XXXX and to the US Department of Education, I have not received and email back from either. I paid to have XXXX update my status to in school and resend it to Aidvantage. Aidvantage updated XXXX of XXXX loans to show " in school ''. On XX/XX/XXXX I attempted to call them, but was told their offices were closed despite it being during normal business hours as listed on their website. I sent another email to them asking it to be fixed, but I am still being charged interest erroneously on the subsidized loans while in school, and now they want me to make payments on them, even though I should not have any payments due until I graduate.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NV)

XX/XX/year> World Remitly transactions XXXX were all made on the same day by the scammer.. Remittances on the amounts of {$870.00}, {$1700.00}, $ XXXX wire transfers made using my debit card with XXXXXXXX XXXX 
I discovered the incident about an hour after the transaction was made by the scammer when I was trying to pay my bills and the utility companies declined my payment using my debit card. I reported the scam right away to XXXX and they said they will investigate. I have the claim number when I reported the fraudulent activity. I also reported to World remit. No refund has been given until now XXXX
Consumer complaint received 2024-07-29
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)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$250.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$720.00} under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$680.00}, and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-30
Product: Credit reporting 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: EQUIFAX, INC. (TX)

XXXX is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

Paypal is using my XXXX  to buy and sell XXXX. I have an account under XXXX. They also added a debit card on there that isnt mine. XXXX supposedly closed my account but its still being used. They made a direct deposit paper saying I worked at The XXXX XXXX XXXX and my whole check is to be deposited there. XXXX XXXX  has an account open under my information and they didnt close it. Most online banking has an account open with my information but different mailing address
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by an online service promising rental arbitrage, which involved me making deposits for a total amount of {$9400.00} from my JP Morgan Chase account to fraudulent firm.
Consumer complaint received 2024-05-30
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. (NY)

Despite repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists unresolved. The presence of these unauthorized items has profoundly disrupted my life, causing significant stress and XXXX, as I am a victim of identity theft who never consented to this information being associated with my name.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

1 ) Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX XXXX # : XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ND)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I am submitting this complaint against a private student loan servicing company, Nelnet. In XX/XX/XXXX, Nelnet reported on my credit report several loan accounts totaling to {$40000.00} in student loans dated fromXX/XX/XXXX. I have contacted Nelnet via telephone and email several times within the last few months, regarding to request information on the student loans. They have not provided me no information in regards to the debt that has been posted on my credit report. I contacted my XXXX institution, XXXX XX/XX/XXXXand Federal Student Aid directly, they disclosed that they have no information on this debt and I will need to contact the private loan company directly. Nelnet has yet to provide documentation that I had requested back in XX/XX/XXXX via telephone. 

I am submitting this request because I did not apply nor did I take out student loans during my XXXX years in XXXX. Nelnet this requesting payment on student loans almost XXXX years after I graduated in XXXX. I have no record or documentation regarding this debt.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I was paying for a service I thought was legitimate. Because I didnt have all of the funds up front, I was paying it out in a payment plan. I didnt receive the service as it turned out to be a scam and I lost the {$1700.00} transactions I had made with chime. I filed a complaint of fraud/scam. I received an email receipt from chime saying they didnt see anything inappropriate with the transactions. I never received what I paid for and the merchant is no longer responding to me. That is fraud and I was scammed.
Consumer complaint received 2024-08-04
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

In late XX/XX/2024 we received a package from XXXXXXXX XXXX a Texas-based sports retailer. In the box was a high end rifle scope ( XXXX ). We did not order this product nor have I ever heard of or purchased anything from XXXX XXXX. I immediately checked our credit card statement and found two separate charges from XXXXXXXX XXXX, one on XX/XX/XXXX for {$2300.00} and one on XX/XX/XXXX for {$2300.00}. Once I saw these charges I submitted a fraud claim to my credit card company, USAA Federal Savings Bank. I also reached out to XXXX XXXX to let them know that I had received merchandise from them that I did not order and expressed my willingness to return the item to them. XXXX sent me a voucher for shipping and I have proof of their receipt of the merchandise dated XX/XX/2024. Both of my initial fraud claims were denied by USAA. I appealed both decisions and on XX/XX/2024 one claim was again denied and one XX/XX/2024 one claim was affirmed. When I contacted USAA, the only information they gave me was that the merchant, XXXXXXXX XXXX claimed the transaction was valid and thus I would be charged in full. 

To recap, someone fraudulently charged 2 separate transactions to XXXX XXXX for high end rifle optics. One was sent to my house which I promptly returned to the merchant. USAA has denied one of my claims and has provided me with no recourse. How can I possibly prove that I didn't buy this item?
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2024-08-04
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. (MD)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION 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 amount {$1700.00} As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost XXXX times for XXXX separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last XXXX years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (OH)

Today in the mail I received an envelope from XXXX inside. The envelope from XXXX wasn't envelope from Chase Bank inside. That envelope was a sapphire reserve Chase credit card with a XXXX credit line. 

I never applied for this card. When I called the number on the back of the card a person was asking me lots of detailed information so I hung up on them thinking maybe the number was fraudulent as well. That's why I'm reaching out to you.
Consumer complaint received 2024-05-29
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. (TX)

You are in violation of the FCRA for reporting an account that you were advised to remove from my credit report. In my CFPB complaint ID # XXXX to the collection agency, XXXX XXXX XXXX , they stated that you were informed in XX/XX/year> to remove the account XXXX from my credit report in which you failed. The company stated to give you 90 days to see any changes, but it has been well over the deadline and this account remains. I am demanding the removal of account XXXX XXXX XXXX XXXX within 7 days. Please see the response letter from the company and delete this account immediately.
Consumer complaint received 2024-05-30
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)

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX. fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX. XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, BBB, CFPB XXXX XXXX I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.