davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GVA Holdings, LLC (CA)

Subject : Pending Refund Issue Dear Target Executive Department, I am writing to let you know about the pending refund issue. Despite sending multiple emails and conversing with your representatives via the online chat feature, I am still waiting to receive confirmation of the refund process or the issuance of refunds. I was assured that the refunds were either in progress or already processed. 

It has been several days since these assurances were made, and I am still waiting to receive updates or confirmations regarding the refunds. Furthermore, subsequent follow-ups have yet to yield any new information. 

I would like to know why the refunds have not been correctly credited to my account, especially considering that all returns have been duly confirmed on your end. 

The tracking numbers and corresponding amounts for the pending refunds are as follows : Tracking Number XXXX - Order Number XXXX - Envelopes returned {$1.00} Tracking Number XXXX - Order Number XXXX - Soaps returned {$6.00}, {$6.00}, {$4.00} Tracking Number XXXX and Tracking Number XXXX - Order Number XXXX - {$5.00}, {$8.00}, {$5.00}, {$5.00} Order Number XXXX - Tracking Number XXXX - {$10.00} Order Number XXXX - Tracking Number XXXX - {$9.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$3.00}, {$4.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$14.00}, {$6.00} Order Number XXXX - Tracking Number XXXX - {$7.00} Order Number XXXX - Tracking Number XXXX - {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX - {$20.00}, {$15.00} Order Number XXXX - Tracking Number XXXX - {$24.00} Order Number XXXX - Tracking Number XXXX - {$6.00}, {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX, XXXX - {$5.00}, {$3.00}, {$5.00}, {$3.00}, {$2.00}, {$9.00}, {$3.00}, {$6.00}, {$3.00}, {$5.00}, {$4.00}, {$12.00} Order Number XXXX - Tracking Number XXXX - {$15.00} Order Number XXXX - Tracking Number XXXX - {$3.00}, {$2.00} Order Number XXXX - Tracking Number XXXX - {$14.00} XXXX look forward to your prompt attention to this matter and await your response regarding the status of the refunds. 

Thank you so much for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I have previously made an online disputes with all XXXX CRA 's of the reported inaccurate lateness 's on my XXXX NELNET student Loan accounts. These false lateness 's have not been deleted and the disputed lateness remain on my credit report. As of this date, you have failed to respond to my request and my Credit report dispute reads ( In Process/ Now resolved by data finisher ) Disputes files XX/XX/XXXX and follow up XX/XX/XXXX. 

Both of the Student Loan Nelnet accounts have Latenesses Reported from XX/XX/XXXX thru XX/XX/XXXX, which is falsely and legitimately impacting my credit profile, while the federal administrative forbearance was in affect. 
These late marks must be removed as they were reported late during the COVID-19 Emergency Relief XX/XX/XXXX, until XXXX XXXX, XXXX. 


COVID-19 Emergency Relief and Federal Student Aid The U.S. Department of Education 's COVID-19 relief for student loans \automatically paused your loan payments and set your interest rate to 0 % from XX/XX/XXXX, until XXXX XXXX, XXXX. This payment pause is also known as an administrative forbearance.
Consumer complaint received 2024-01-29
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)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you well. I am writing to address a matter of utmost urgency and concern regarding fraudulent accounts on my credit report. The impact on my creditworthiness has been severe, and I am seeking your immediate assistance in resolving this issue XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-01
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. (MO)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely frustrated with the persistence of fraudulent accounts on my credit report. After filing an identity theft report on Identitytheft.gov, the associated bank confirmed the report 's validity and assured the immediate removal of the accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have resolved the unpaid amount with XXXX XXXX .the following account numbers : XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I was about to pay off all the accounts. I spoke with XXXX XXXX and was able to receive a official letter from them stating that the accounts are paid in full. Im requesting the following information be removed from my Early Warnings Consumer report immediately! Ive attached a copy of the letter from XXXX XXXX to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (OR)

MRS BPO , LLC has been texting me repeatedly, attempting to collect a XXXX debt. 

I contacted XXXX and confirmed that my account is current and there is a XXXX balance. 

I contacted MRS BPO at the number on their listing with XXXX ( ( XXXX ) XXXX ) I did not click any links or use any numbers in the text. 

MRS BPO rep said they have been trying to contact me to collect a XXXX debt, and wanted my account number and PIN, which I refused to give out. 

I called XXXX to report this fraud.
Consumer complaint received 2024-07-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2024-07-01
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. (MA)

I once more requested that the false information that had been removed by another credit reporting agency after it was shown to be false be corrected. Credit Bureaus have disrespected FCRA standards and my request for verification because of your lack of response, or your frivolous response, in my opinion. I have to update my records and fix mistakes made by credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-29
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. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX XXXX debt collection XXXX XXXX  has been calling me and collect the money in the account has been closed and paid off and I understand even has payoff still is not gon na move from my credit report, but I sent it dispute too many time XXXX not complete and I would like this time the company see my message and complete my dispute
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Hello, On XX/XX/2023 I was contacted on my cell phone by an individual who stated they were a representative of Chase bank, of whom I am a customer. This person already had my key account information at hand, leading me to think they were trustworthy and the call was authentic. 

The caller stated that I needed to confirm information for a new rewards credit card I had opened. I opened no such card and said so. The caller said the card had a {$500.00} annual fee and I should log in to online banking to check if my new account appeared there. From then things got very confusing with the caller throwing a bunch of information at me. I was later directed to a screen from my pc showing my account information and a deposit of {$20000.00} in my account, which the caller said was in error. The caller then became hysterical and began to insist they would lose their job over this firable error and not be able to provide for their family. He asked me to wire to {$19000.00} back to him. I did this and then shortly later realized something was not right about this whole scenario. 

I went to my local bank branch that afternoon, on XX/XX/XXXX, and asked for assistance. The transfer still showed 'pending ' at this time in my online banking portal. I asked for assistance from Chase to cancel the transfer as I now believed it was a scam. They told me they could not do that and it was 'unlikely ' they could recover my money. 

In the month since my XXXX and I have contacted Chase by phone and email on dozens of occasions trying to get answers about this situation and request assistance recovering the funds. Chase has given me the run around at every turn and on XX/XX/XXXX sent me a denial letter stating that the matter was closed, only XXXX  days later!! I then filed a complaint with the Attorney General of XXXX 

After that, I called XXXX again after reviewing the CFPB FAQ/bill of rights and pointed out to them that I notified them timely of the issue, and therefore they shared liability based on XXXX XXXX of the CFPB regulations. They did not respond other than to share that they disagreed and were not liable. I have called and contacted many others, to no avail. 

I have ample documentation supporting my communication efforts, and have also recently contacted a consumer affairs reporter with the XXXXXXXX XXXX XXXXXXXX regarding this issue. 

I am a XXXX XXXX XXXX on a XXXX XXXX and the loss of {$19000.00} to fraud/elder abuse scam will have an irrevocably negative impact on my quality of life.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

As I was driving to work i received a text verification as well as an email saying that a Target credit card account had just been opened in my name. I contacted target card services and the conformed that the account was just opened and the card was being sent to my old address from a few years ago. XXXX XXXX XXXX XXXX XXXX XXXX. I haven't lived at that address in years. Target also said that instead of my driver 's license number that they pluggged in my social. They said that since the application and approval was caught so soon that they were able to cancel the card. I have since frozen my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

on XX/XX/XXXX, i deposited a check of {$1300.00} through the mobile wells fargo app. wells fargo sent me notifications saying that the check was processed but the notifications can no longer be found. on XX/XX/XXXX, i paid {$700.00} on my credit card. i got confirmation that the {$700.00} went through. my ending balance on XX/XX/XXXX after paying my credit card was {$650.00}. my posted balance said that {$1300.00} from the mobile deposit was accepted and the funds were available on XXXX XXXX today, XX/XX/XXXX, i received an email from wells fargo saying that i have an available balance of - {$700.00} and i will need to pay a fee of {$35.00} 3x until my balance is positive. when i called wells fargo and asked what was going on, i was told that my check was being held for security verification reasons until XXXX XXXX even though the check was available on my posted balance, and able to be used to pay my credit card.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
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. (SC)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2024-06-01
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

15 U.S. Code 1692c - Communication in connection with debt collection - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is not my debt to pay and they wont stop contacting me to pay it.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 
US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM RESUBMITTING BECAUSE ONE OF MY UPLOADED DOCUMENTS WAS MISSING INFORMATION. 

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY CARD I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING PLUS THESE ARE NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER, REMOVE THEM. I HAVE CONTACTED THE XXXX XXXX XXXX  AND MY ATTORNEY GENERAL AS WELL. Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/2023, XXXX XXXX - XX/XX/2023
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. the following account number : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I have reached out to XXXX  XXXX XXXX to try and resolve the unpaid status of the account, but when I spoke to numerous representatives via phone, I received the same answer that there was no amount owed on the account. Ive also made 4 attempts to receive an official letter from XXXX  XXXX XXXX stating and showing my status with the bank and they have failed to provide me with one. As of XX/XX/XXXX, XXXX  XXXX XXXX has told me that I have no amount of money owed to the bank and I would like my status of unpaid be changed. Im requesting the following information be updated from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX