davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2021 I was tricked by a caller who told me he was from Bank of America and he was confirming an upcoming XXXX transfer. He knew all of my personal information as well as account information. He told me he'd help me to protect my money before the transfer, then went on to help me transfer {$10000.00} out of my account to his. This is a well known XXXX scam. Bank of America has paid back others for this. I wrote to Bank of America and called several times only to be turned down for a refund for the {$10000.00}. I am a small business owner and this was my business account.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I requested a refund from Mohela for payments I made during XXXX. I requested this refund at the end of XX/XX/2023. I have yet to receive the refund. I have called Mohela multiple times and they can not give me any information about when I will receive the refund. The amount I was due was added back to my loan balance at the beginning of XXXX and I have been charged interested for money I have not received. I want to know when I will receive the refund I requested and why I am being charged interested on money that has not been returned to me.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Auto Trakk, LLC (SC)

On XX/XX/2017 I made a complaint with CFPB concerning Auto Trakk. I also sent them a certified letter and disputed with all XXXX credit bureaus. Their response to my complaint was as followed " Auto Trakk, LLC 's records reflect all appropriate notices were provided to customer both pre and post possession of the vehicle the customer leased. '' That is not true this company is re-ageing an account and is not validating this debt which is against FCRA. I have attached a letter I received from Auto Trakk asking for my social security #, address and phone number. So what information is they sending to credit bureaus???? If this account is removed from all XXXX credit bureaus IMMEDIATELY, I WILL SUE!!!
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (PA)

I have an account I do not recognize on my credit report. I repeatedly asked for it to be removed from my credit report and asked for debt to be validated which they couldnt provide. under 15 US CODE 1602 it is unauthorized use of my credit and illegal. Please remove from my report as per 15 USC 1681 and refrain from any other contact
Consumer complaint received 2023-10-23
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. (IL)

In Accordance with the Fair Credit Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have 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 and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (PA)

Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (LA)

Upon checking my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Consumer complaint received 2023-10-23
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)

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 XXXX XXXX XXXX. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # 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 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 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

XX/XX/2023 XXXX XXXX  garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
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. (KS)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-10-23
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. (CA)

On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( XXXX ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards me.
Consumer complaint received 2023-10-23
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: TRUIST FINANCIAL CORPORATION (MI)

Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is below : Date : XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Phone : XXXX Date XXXX/XXXX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX  XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX No Phone Provided Date XX/XX/XXXX XXXX XXXX XXXX  No Phone Provided Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Phone : No Phone Provided Date XX/XX/XXXX XXXX Phone : No Phone Provided Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX  Phone : XXXX Date XX/XX/XXXX XXXX  Phone : XXXX Date XX/XX/XXXXXXXX XXXX  Phone : XXXX Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was told that my account will be restricted to verify some recent activities on XX/XX/2023. I called them and they asked me to verify my identity which I did on XX/XX/2023 I sent them the back and the front of my ID. Frustrated with all of this I called on XX/XX/2023 to close my account. But they are telling me I have to go in person to do it which doesnt make sense I just want my money back and want to close the account.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (SC)

XXXX XXXX  {$25000.00} This debt is not my debt. Title 18 section 8 of the United States. 

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (VA)

the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2023-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

Hello, I am having extreme difficulty making my student loan payments for Sallie Mae. They have recently taken me off their graduated repayment plan and are not offering another payment option. My payments went from {$320.00} to {$430.00} a month. I reached out through their helpline countless times in an attempt to reduce this payment. Each call ended with them telling me there is no other option. 

Please help me with this situation. 

Thank you!
Consumer complaint received 2023-10-23
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. (WA)

I have opened dispute with Chase regarding being scammed on XXXX. They did not ask me any proof although I repeatedly offered to provide it. They called me once at XXXX XXXX  knowing I'm on XXXX XXXX and did not leave any information I called back and the rep was unprofessional and had no idea what I received call about because " the other rep did not leave notes in the file '' and then few days later my claims were denied. I had no chance to provide proofs of being scammed over {$400.00} and chase provided zero service to recover and did not even try. This is absolutely absurd. Unfortunately this isn't even a first time. Not one claim I ever opened with them was approved.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

From XXXX XXXX my last four of social security number is XXXX date of birth XX/XX/XXXX XXXX Honda XXXX My complaint is that America Honda finance refused to offer me a three month extension. Reason I was past due I was effected by covid I'm back at work. If they can approve me for the three months extension. Iam able to resume my normal payments with no further problems.
Consumer complaint received 2023-10-23
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: Mortgage Research Center, LLC (FL)

I recently reviewed my XXXX credit report and found unauthorized inquiries. 

I am submitting this report and will be sending the dispute below to the XXXX Fraud Victim Assistance Department. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
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 The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VETERANS UNI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

I received a letter in the mail from Comenity in regards to an open application for a XXXX XXXX XXXX XXXXXXXX Credit Card I did not apply for. The letter said to call them to finish the application. I called the number but told them I did not apply. The service representative took appropriate measures to deny the application and report it to the Federal Credit Bureau.
Consumer complaint received 2024-03-14
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. (IN)

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.

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.