davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-03
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. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$670.00}.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I paid my 120th payment on XX/XX/XXXX. I submitted my PSLF employment certification and applied for forgiveness on XX/XX/XXXX. Mohela still has this document as " processing. '' Now it is XX/XX/XXXX, and I have tried contacting Mohela in every way possible to make sure that the servicer has my PSLF application. My fear is that Mohela is going to demand XXXX payment, while they should place my account on hold while my PSLF application is being reviewed.
Consumer complaint received 2024-06-27
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX L XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (OH)

I submitted paperwork to pay off the lease balance on a XXXX XXXX XXXXXXXX XXXX with Volkswagen Credit and it was received by Volkswagen Credit on or around XX/XX/XXXX. At the time, I was told that I could expect the documentation to be processed and for title to be sent to me within 3 weeks of receipt. Since that time, I have communicated with a representative of Volkswagen Credit at least 5 times. During such communications the time frame for when I could expect title to be sent to me has changed from within 3 weeks, to 30 to 45 days, to 30 to 60 days. As of today, we are at day 50. Volkswagen Credit has indicated that the delay is driven by " third-party vendor issues, '' but have been unable to provide any assurance of a timeframe for resolving said issues. Nonetheless, the delay has caused me to be without approximately {$17000.00} for 50 days and has delayed my realization of the sale of my car. Given highly volatile market conditions and fluctuations in used car prices, this has subjected me to an inappropriate and unreasonable amount of financial risk. I have researched other similar financial services companies and their publicly stated timeframes for lease payoff processing ( to the extent available ) and some as short as 10 days from receipt have been noted. 50+ days is simply commercially unreasonable.
Consumer complaint received 2023-11-02
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. (SC)

Yesterday, XX/XX/2023, I received an email from XXXX XXXX XXXX telling me that I had applied for a new credit card. At the same time, I received several alerts that there was a new hard inquiry on my Experian credit report. Alleged the hard inquiry was made by XXXX XXXX XXXX. 

Today I contacted XXXX XXXX XXXX by phone. XXXX XXXX XXXX denies that they accessed my credit report yesterday and also denies that I applied for a new card. 

Then I called Experian to report the fraudulent activity. Experian told me to file a report at XXXX. XXXX referred me to this website.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

company violated consumer protection laws Unfair and Deceptive Trade Practices, Truth in Lending violation. i have a CapitalOne VentureXXXX card. an offer appearing to be an upgrade was solicited to me through my account making it appear that, by accepting the offer, that my account would be upgraded to a different product. the offer is actually a deceptive scheme to trick me into downgrading my account from VentureXXXX to lower quality product. 

FALSE ADVERTISING - CapOne prequalifies people for brand cards like XXXX, XXXX which offer different products all named the samer, but does not comply with Truth in Lending and does not disclose the which card of that name a customer is accepting and other necessary facts required for a customer to make an informed decision and know exactly what credit terms customer is applying for. Cap One is soliciting multiple products of the same name, while concealing the fact they have different terms, and they are an entirely different product than the customer thinks they are getting. One may be a XXXX with XXXX guts ( the good one ). The other looks like a XXXX, but has lower quality and less components ( the one they send the customer ). 

i also do not believe CapOne complies with the Equal Credit Opportunity Act and does not treat customers in the same situation equally. CapOne treats some customers badly and other customers fairly, thereby discriminating against certain classes of customers. 

the company also retaliates against customers who complain by giving them worse treatment and never giving these customers anything they ask for, like an evil step-mom that only feeds half of her kids. Venture to XXXX or XXXX is a downgrade in product, not an upgrade.
Consumer complaint received 2023-11-03
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-02
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)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OR)

I submitted Feedback Case # XXXX on XX/XX/XXXX to FSA regarding incorrect counts towards PSLF. I have been employed at nonprofits since XX/XX/XXXX which all has been certified to FSA and Mohela. It seems that the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX are missing in my counts. My loans are currently serviced by Mohela due to PSLF and they are in administrative forbearance forced by them and they claim they didn't receive my change in income documentation that was submitted to FSA when I applied for an IDR plan, which I have resubmitted. I do understand that they are extremely busy with loans going back into repayment after the pause, but it is stressful. I have attached all of the employment certifications.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite the FCRA 's requirement for accurate reporting, there are discrepancies present on my credit report that do not reflect my true financial standing. 

As a consumer, I have the right to ensure that my credit report is free from errors and reflects my creditworthiness accurately. Inaccurate information can have detrimental effects on my ability to obtain credit and may result in unfair treatment in financial transactions. 

I request a thorough investigation into the inaccuracies on my credit report and prompt correction of any errors. It is imperative to uphold the standards of accuracy and fairness outlined in the FCRA to maintain the integrity of consumer credit reporting.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

Commencing on or about XXXX XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).
Consumer complaint received 2024-07-28
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. (TX)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
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 After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-28
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. (GA)

I am a victim and limited on means to transmit information ( please see attached ). My personal statement is as follows : greetings and thanks for your tme today. it appears i am victim of identify theft. my information has been stolen and used yo open credit accounts without my knowledge or consent. please block and remove all of these fraud accounts. once again, thank you and God be with us. thank you and I pray and wish that I will not be discriminated against through these means
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-11-02
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. (VA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-02
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. (SC)

I already contacted Experian and they sent me a notification that they removed the some accounts but they still there. And I have late payments on my carmax account that should not be up there XXXX and XXXX for that account have XXXX late payments and I provided proof.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

All three credit bureaus EXPERIAN XXXX XXXX XXXX are showing my XXXX loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.
Consumer complaint received 2024-06-28
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: JPMORGAN CHASE & CO. (FL)

I noticed another deposit was made out of my compromised XXXX account the amount of XXXX $ was processed by chase on XXXX of this month.I also had XXXX trace a transaction to chase of XXXX $ a month ago.I reported this to customer service and XXXX near begged for it back the money was stolen from sellers from my bank account through disputes that a hacker tried to manipulate to steal money from me messing up my good standings on a account I had over XXXXChase told me because the account was closed I can't report fraud and have payments reversed.I then told customer service isn't that theft for me to have items then dispute it keep the item then get a refund they said look at the good it went to your negative balance that's horrible how's that ok to steal from sellers and apply the money to money u owe the bank.Chase is allowing this Why isnt that criminal activity I don't think the hacker knew XXXX only returns money to oringal payment method.Paypal can not reverse a refund once bank has it I have to go through chase to recover the money have it reversed so XXXX can then return it to seller.I tried for weeks hours to get the fraud department to reverse the money back they said there's nothing I can do.The fact is how can chase allow someone to commit fraud to payback a negative bank balance by stealing from businesses and tell me I'm out of luck because I owe a negative balance I want to do to it the right way and do a payment plan I don't want to take money from a business I'm dealing with a comprised Chase account also this very one had bad checks written to it not by me had money cashapped out my account I lost XXXX $ from that bank couldn't help me I owe chase XXXX $ from being a victim of fraud.My XXXX account is not in good standing this hacker was put me in financial mess I'm trying to clean up now Chase XXXX refusing to return money back to XXXX so XXXX can return it back to the sellers.Its fraud which I reported and yet Chase said it's automatic it decides to apply a refund to negative account I said even if I'm reporting it as fraud customer service said look at as it a good thing it will pay down what u owe if there telling me this who else are they telling this to the fact that someone can dispute legit charges keep the item and payoff a debt that's clearly fraud i told they hung up on me this is not good business practice at all