davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

From XXXX too XXXX During the pandemic I was XXXX XXXX XXXX XXXX XXXX on two occasions during these XXXX I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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. (MI)

I am a victim of XXXX XXXX and I am dealing with a really aggressive case. I just received 3 notifications regarding things were added to my report that shouldnt be there. I attempted to dispute the information online but the portal no longer gives me an option to dispute.
Consumer complaint received 2023-11-19
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. (TX)

I hope this letter finds you well. I am writing to bring a serious matter to your attention concerning the unfair and deceptive practices of AidVantage in relation to my student loans. 

I am currently enrolled in a full-time graduate program, and as per the regulations, I should be exempt from student loan payments during this period. However, AidVantage has continued to charge me, causing significant financial strain and stress. 

Attempts to contact AidVantage have proven futile, as their customer service is virtually unreachable. This lack of communication impedes my ability to resolve the issue and obtain the necessary information regarding my account. 

Furthermore, it appears that AidVantage is engaging in coercive practices by ignoring legitimate requests for assistance. Such conduct raises serious concerns about their commitment to ethical and transparent lending practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly to ensure that AidVantage rectifies their practices and adheres to all relevant laws and regulations. Additionally, I urge the Bureau to implement measures that hold AidVantage accountable for their actions and protect the rights of students and borrowers.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (FL)

After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the debt.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (VA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-05-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dear sir, I have received an email from your branch on XX/XX/24 regarding my closed TJX Rewards Platinum Mastercard . Your attached document stated that there were no fraud activities on my closed credit card. I have complained just I could not use the reward certificates and complained it. I did not care whether there were fraud activities or not, since I paid off everything. I just missed the opportunity to enjoy using rewards. Anyway, your company interest rate is high ; therefore, it might be better to close. I received the bill and paid off the amount of {$470.00} today through my banking account. There is one reward certificate ending numbers are XXXX, even though I am not sure whether I can use it or not. I strongly believe it is not usable since I could not use several in the past. I always wonder why there are so many branches relating all matters I am working on, which cause the confusion on the customers side. 
Sincerely,
Consumer complaint received 2024-05-16
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: Kikoff Inc. (SC)

Im in the process of trying to buy a house. In the process of that It was brought to my attention that I have damages on my credit report. According to the 15 USC 1681 Law there should not be any damages on my credit report its defamation to my character.
Consumer complaint received 2023-08-31
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: Atlanticus Services Corporation (IL)

Good afternoon, I'm submitting this complaint againstmatch.com for the unauthorized charge to my credit card ending in XXXX. I ended my monthly subscription with XXXX on Friday XX/XX/XXXX and I've received notification that a NEW monthly charge of {$52.00} was just processed WITHOUT MY CONSENT Again, my subscription was cancelled on XX/XX/XXXX The last day of my subscription was XX/XX/XXXX My subscription cancellation confirmation number is - XXXX There are screenshots attached to this complaint My credit card company ( Fortiva ) has informed me that it would be a 90 day resolution process and I have been unable to get anyone on the phone or in an e-mail conversation at XXXX. Your assistance with this is most appreciated! 

I'm available to discuss anytime - XXXX. XXXX. XXXX THANK you! 

XXXX XXXX
Consumer complaint received 2023-11-21
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 have previously disputed this issue and have not found success. I feel that my issue is not being reinvestigated correctly. Please help me golden experian accoutnable. The inaccuracies and identity theft pertain to my credit report with Experian, specifically related to my auto loan account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the account number XXXX. This accounts inclusion on my credit report without my authorization violates my rights and is a form of identity theft, as defined by 12 CFR 1022.3 Definitions. Enclosed, please find supporting documentation, including aft report, copy of my credit report, lien release statement, satisfaction statement for the auto loan, physical title of the vehicle with the lien holders name removed, Experian credit reports from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2023, and necessary documentation as per 15 U.S.C. 1681c-2.
Consumer complaint received 2023-11-21
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second attempt as I asked before to make investigation of these accounts however you failed. I do not want to see someone else accounts in my profile. Its difficult for me as my financial life depends on my credit report. However due to the fact that someone used my personal information, now I have these unknown accounts in my credit report. PLease help and remove them from my profile.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX we, XXXX XXXX XXXX, have conducted the payment in the amount of USD XXXX from our account with XXXX to account of XXXX ( XXXX ) XXXX XXXX  XXXX XXXX opened with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, our payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, we need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, we can not apply to OFAC for a license that is necessary to unblock our funds because to do so, we must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XX/XX/XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. JP Morgan Chase Bank has not responded. Further we continued to try to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify the status of the payment by many requests as from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. JP Morgan Chase Bank has responded only once on XX/XX/XXXX that they were unable to execute our request due to sanctions and/or internal JP Morgan Chase Banks policy and they considered this matter closed and no further action would be taken. Thus, we can not apply to OFAC for a license that is necessary to unblock our funds.
Consumer complaint received 2023-11-21
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. (SC)

My information was sold and bought illegally because I was a victim of the XXXX data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries - XXXX XXXX  XXXX XXXX XXXX Us Department Of Education 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 2023-11-21
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: Experian Information Solutions Inc. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Consumer complaint received 2024-01-03
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: DISCOVER BANK (CA)

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XXXX XXXX XXXX XXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXXXXXX XXXX XXXX XXXX XXXX XXXX Executive Office of Customer Advocacy Public
Consumer complaint received 2023-11-21
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. (NV)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, Capital One opened three checking accounts, and three 'performance savings ' accounts. Each was opened with more than {$1.00} but less than {$2.00}. I did not open them, and have never done business with Capital One. All accounts were XXXX  out between XX/XX/XXXX and XX/XX/XXXX. I have a freeze on my credit ; I did not even know this was possible.
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc. (ME)

I contacted Earnest, the loan company that current holds my private loans taken out for my education at the now defunct XXXX XXXX XXXX XXXX XXXX. I attended from XXXX. My Federal loans have been XXXXischarged due to flagrant, persistent and malicious misconduct by the school in question. I reached out to Earnest, because I do not believe I should have to repay my student loans taken out privately when the Federal government has determined their loans should not have to be repaid. The response from Earnest was laughable and pathetic : " Our records show that you refinanced with Earnest in XX/XX/2019. The payoff information from your original loan shows that it was a Private Loan that was serviced by XXXX XXXX. Unfortunately, your loan would not be eligible for consideration for discharge through Earnest given that it is a private refinance loan and not a loan directly for attendance for a school that may have engaged in misconduct. You may wish to consult an attorney about any rights you may have to loan forgiveness or other relief programs. '' Essentially they are saying that since it was a private loan, and I can not show it was used for my education at school, they are not obligated to even discuss discharge options with me. It would be incredibly easy given modern technology to prove what the funds were used for and when. I am extremely unsatisfied with their answer and I wish to pursue this further. I do not believe I should have to repay my loans for this schooling when the Federal government has publicly stated they are discharging loans for fraudulent and malicious behavior. As well, I am post class in the XXXX XXXX vs. California settlement, where a judge ruled in favor of the students who attended many for profit colleges ( including mine ), and were intentionally misled about the education they would receive and the loans they had to take out to complete it. 
The fact that Earnest won't even attempt to back track and see what the funds were used for ( oh and by the way, my loans used to be held by XXXX, Earnests parent company!! ) is ridiculous. I would like to discuss my options with someone to see what can be done moving forward. I have the litigation to back up my reasoning, and I'm not sure how to apply it to the situation in a meaningful way. Help would be incredibly appreciated! 

Thank you, -XX/XX/XXXX
Consumer complaint received 2020-04-23
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

On XX/XX/XXXX at XXXX XXXX  Credit card was used at gas station XXXX XXXX XXXX, XXXX, Texas XXXX. 
Skimmer device was used to copy the data of credit card and make unauthorized fraudulent transaction at multiple gas station in XXXX, XXXX, XXXX and XXXX. Texas for various amounts. 

XXXX police department was informed and a skimmer device was found at gas station where the card was initially used on XX/XX/XXXX. 

XXXX police department asked me to file a complaint at FTC.gov.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (TX)

I received a letter dated XX/XX/23 from McCarthy, Burgess, and Wolff stating that I owe a debt of {$400.00} I quickly sent a certified letter back asking the collector to verify that this bet is mine. This is because I believe the debt is actually a family members debtnot mine. They responded back with a letter with no proof showing that the debt is minejust amount owed, account #, and just listing me as the customer. After reviewing the collector online, I feel they are going to put an unverified entry on my credit report and hold the credit report hostage until I pay for an unverified debt.