davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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 reviewed my credit report and noticed an account that was not reporting accurately. i had multiple late payments on an account that i was in fact paid on time. The consumer reporting agencias have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX  ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Earn XXXX miles
Consumer complaint received 2023-09-05
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. (WA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX 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 XXXX
Consumer complaint received 2024-05-31
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: DISCOVER BANK (VA)

I am writing to express my grave concerns about a derogatory rating that has been erroneously reported on my credit file. This inaccurate negative mark is already causing me substantial financial hardship and emotional distress that will continue until it is permanently rectified. 
Due to this derogatory rating, I have been denied credit and had interest rates increased on my existing accounts- directly impacting my ability to manage my finances responsibly. I was never properly notified of the derogatory tradeline nor given an opportunity to dispute it before it was reported to the national consumer reporting agencies. 
Under the Fair Credit Reporting Act, I have a federally protected right to have any inaccurate, incomplete or unverifiable information promptly blocked and removed from my credit reports upon dispute. I thereby demand that you initiate a investigation to verify the validity of this derogatory rating within five ( 5 ) business days. Upon determining the information can not be corroborated, you are legally obligated to permanently delete and block the reporting of this negative tradeline to XXXX, XXXX and XXXX.
Consumer complaint received 2024-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

I am a victim of an elaborate XXXX XXXX  and my XXXX XXXX. I have paid my debt in full plus paid the repo fees. Westlake Portfolio Management, XXXX XXXX XXXX and XXXX XXXX has an scheme together to swindle customer 's such as myself out of additional money. For serval days I have been trying to retrieve my XXXX XXXXXXXX XXXX XXXX. I spoke with XXXX repo personnel and Westlake Portfolio. Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Everyone is give me wrong information Spoke with supervisor XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Please help. I feel because I am of XXXX, that they have the right to XXXX XXXX XXXX XXXX  of an indigent person such as myself.
Consumer complaint received 2024-01-11
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. (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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2024-01-11
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey i Went over My consumer Report And Called them And let them Know it Was Unathorized An Need be Removed. & Never gave them Consent to Report them.

18 U.S.C 1028A 15 U.S CODE 1601 ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX. XXXX ACCOUNT : XXXX Charge/ Off 15 U.S CODE 1601. 
XXXX XXXX ACCOUNT : XXXX Closed/ Charged off 15 U. S code 1601. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (MD)

IN XX/XX/year> TO MY SURPRISE MY UNDERWRITER SENT ME MY CREDIT REPORT WHILE TRYING TO BUY A HOME AND SALLIE MAE HAD PLACED ON MY CREDIT REPORT TWO LOANS ( # XXXX & # XXXX ) ONE AT $ XXXX AND ONE AT $ XXXX, HOWEVER THEY ADDED {$9500.00} AND {$10000.00} IN INTEREST WITHOUT ME EVER RECEIVING A BILL. THEY RUINED MY CREDIT, RUINED MY ABILITY TO BUY A HOME AND NEVER SENT ME A BILL, OR EMAILED ME A BILL. NOTE THE LOAN WAS DONE 7 YEARS AGO. WITH COVID EVERYTHING WAS SO OFF AND I HAD NO WAY OF KNOWING. ONCE I SAW THIS.. I CONTACTED THEM AND LODGED A COMPLAINT, ASKED FOR MY BILL AND SENT THEM {$3600.00} THAT DAY. I AM SIMPLY ASKING TO PAY WHAT I OWE -- $ XXXX NOT $ XXXX!!! THIS IS SO PREDATORY AND WRONG IT IS IMPACTING ME ON ALL LEVELS. HEALTH, CREDIT AND ABILITY TO BUY A HOME.
Consumer complaint received 2023-12-02
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 have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX  ( XXXX  ) account - XXXX XX/XX/XXXX for the amount of {$520.00}
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below. 

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Last XXXX XXXX XXXX the XXXX at my home took XXXX of my credit cards without my permission and purchased over {$10000.00}. None of which the materials are at my house. XXXX was over {$4000.00}. XXXX XXXX was over {$6000.00}. I filed a police report. XXXX agreed and wiped out those charges however XXXX refuses. Ive tried XXXX times even when I talk to their company they feel that it should get wiped out, but theyre investigative group has decided again for a third time no. I have text proving that he admitted to doing wrong and would pay back. Hes never paid back and yet XXXX still refuses to wipe out these charges. I dont understand how that can not be fraudulent and should be a felony charge as well. I had pointed out what cards I was going to charge the extra cabinets on, but I did not hand them to him or tell him to use them for whatever he wanted. He also has XXXX other charges against him for acting as if he had a license and insured when he does not and also the XXXX office and other charges for the same thing thats happened to me with other people, weve paid and still has not supplied the material or the work in the thousands of dollars. Multiple thousands of dollars. My XXXX XXXX XXXX has now dropped to XXXX. Ive been forced to go into a XXXX XXXX XXXX and close out my cards because of this. There have been many things I wanted to do this year but cant afford because of this as well. This is not fair to me at all. Im a divorced mom of XXXX and a grandma of XXXX. Ive paid over {$3000.00} towards it already. Which has prevented me from paying more on my other bills so they all compiled interest charges hence needing to go into XXXX XXXX I was trying to save my credit score that I built up since my XXXX, all destroyed in less than a year. Please help as soon as possible thank you. Also note I posted on XXXX if anyone else had a problem with him and XXXX other people contact me. Since then I have XXXX now on XXXX messenger or on my XXXX page, I will be happy to give you a copy of those proof that they have filed or felt fearful of filingbecause he is a big guy very loud.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (AR)

On XX/XX/XXXX, I spoke with a Nelnet agent who advised me to apply for the SAVE plan on the studentaid.gov website. I did, and on Student Aid it shows tentative approval with the lowered monthly amount. 
On the Nelnet website it shows my monthly payment being around {$600.00}, when before the COVID pauses I enrolled for PAYE and studentaid.gov and Great Lakes ( my previous servicer ) showed a monthly payment of {$0.00} It has been almost one month and I have only received one email stating Nelnet is reviewing my application. However, on studentaid.gov it shows Nelnet has finished their review.

I emailed Nelnet last week and today received an email saying no one could help me via email due to high volume. I have been on hold on the phone for an hour and 2 minutes, and nobody has answered the phone. When I tried calling last week, the line hung up within a few minutes.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting the same exact account on my Transunion credit report twice, as in double counting it. 
This account is under XXXX XXXX which was opened on XX/XX/2018 and is also in Collections and reported under the collections company XXXX XXXX. see attached file. 

Double counting single accounts on one credit report is illegal under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MA)

Hello. I have a personal Chase Credit Card. When I logged in to my Chase Credit Card account this weekend, there was a checking account there - that I do not own. I clicked on it to see what it was, and I recognized it as being related to a former employer from over 6 years ago. I know Chase did the XXXX XXXX XXXX this weekend. I used to be on many of my former employer 's accounts with XXXX XXXX, Goldman, and JP Morgan. When I left the company I made sure to talk to all of our concierge bankers and remove myself and all my contact info from any of their accounts. Then this weekend I logged in and had full access to one of their bank accounts and I shouldn't have. I tried calling the bank, but nothing seemed to work. I did alert my old employer and gave them the last 4 digits of the account number, but I find it hard to believe that these people are the only ones having this problem. I suspect many XXXX XXXX account holders aren't aware that their full banking access may be given to someone they do not want to have it or should not have it. This is a big deal and should be taken seriously. These banking systems are sitting on old tech that keeps getting reverted back to old systems. They need to stop giving out money to execs and shareholders and invest in the protection of their clients!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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
Consumer complaint received 2024-01-11
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. (NY)

I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/year>, i deposited a LEGIT company check of {$850.00} into my checkings account from a new job i started ( i did not realize a portion of the checks rounting / account number was unreadable ) I still have the exact check. On XX/XX/year> my checkings account was closed, and my savings account was locked having {$1400.00} in it still. XXXX then reversed and took money out of my savings before contacting me about the misunderstanding. 
I have called several times to ask for updates, as i continue to receive banks statements and mail for the closed accounts.
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I was charged {$140.00} in late fees and interest by comenity bank for an ulta rewards credit card after I paid balance and closed account. After this, I was again charged interest on the closed account. I have called the credit company regarding this issue three times and they have told me each time that my payment would clear the balance of fees and I would not be charged again. I continue to receive interest charges even though the statement says my account is closed and previous balance was paid off. This creditor has severely negatively impacted my credit and continues to charge me interest on a closed and paid in full account! They offer no help when I call except that if I pay off the interest balance I will not be charged again even though they have documented that I have had this issue and paid the balance on two separate occasions.
Consumer complaint received 2024-05-28
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made an online purchase of a dress on Macys.com using Macys credit card which is Citibank ( Order # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX size XXXX ) and received it on XX/XX/XXXX for the value of {$620.00}. The dress did not fit my body and immediately I packed it and shipped it back expecting a refund. I tracked the dress shipment using the tracking number provided by XXXX - XXXX - The dress shipment was delivered to XXXX XXXX  which is the seller on XX/XX/XXXX and signed for by XXXX XXXX employee " XXXX. '' Until today, I never received my refund for this returned item. On XX/XX/XXXXXXXX, I made an online purchase of XXXX dresses on Macys.com using Macys credit card which is XXXX ( Order # XXXX and Order # XXXX for the same XXXX XXXX XXXX XXXX XXXX size XXXX and XXXX ) thinking that the bigger sizes might be a better fit for me and received it on XX/XX/XXXX for the value of {$620.00} + {$620.00}. Both dresses did not fit my body and immediately I packed both dresses and shipped them back to the seller. I tracked the shipment and both dresses were delivered back to the seller. I received my refund of {$620.00} + {$620.00} on XX/XX/XXXX. On XX/XX/XXXX, I started reaching out to Macys and XXXX XXXX inquiring about my refund but I could not reach any resolution. XXXX XXXX sent me a message back saying that " Due to insufficient balance on our payable balance with Macys, we can not issue a refund right now. '' On XX/XX/XXXX, I filed a dispute with Macy 's credit card Citibank concerning my un-refunded returned dress that was delivered back to the seller and received by the seller on XX/XX/XXXX. However, to my surprise, Citibank replied to me saying this dispute is already resolved because you already received your refund on XX/XX/XXXX for the amount of {$620.00}. I called them to explain that this is completely incorrect and the refund of {$620.00} + another {$620.00} is for two entirely different orders. I am still missing my refund of {$620.00} from order # XXXX which was delivered back to the seller on XX/XX/XXXX and I have the tracking information to prove that they received it. Until today XX/XX/XXXX, I have not received my refund of {$620.00} and no one is helping me with the resolution of this issue. I am desperate for help.