davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-12
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)

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Consumer complaint received 2017-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On Saturday   XXXX   XXXX  , I agreed to transfer tickets to someone for a concert in  XXXX , FL. The agreed upon price was {$1600.00} for  four tickets. The buyer wanted to send me payment via VENMO, which is marketed  by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this.     The person sent me  eight  {$100.00} transactions and  one of  {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes  2-3 day s.     It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3  days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}.     After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries.     My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account.     I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}.     Thank You,  XXXX   XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Discover Bank Fraud Subject : Urgent Matter - Multiple Attempts to Address Fraudulent Charges on My Account Dear Discover Bank Fraud Department I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my Discover Bank Credit Card. Over the past two years, I have made numerous attempts to address fraudulent charges on my account, but unfortunately, the issue remains unresolved. 
In late XXXX, I first noticed unauthorized transactions on my Discover Bank credit card statement. Alarmed by these charges, I immediately contacted the Discover customer service hotline to report the fraudulent activity. The representative I spoke to assured me the matter would be thoroughly investigated, and the charges would be reversed. 
To my dismay, the fraudulent charges were not removed from my account, and I subsequently made several follow-ups calls to your customer service department. Each time, I was assured that the issue would be escalated and resolved promptly. However, despite these assurances, the unauthorized charges persist in my statement. 
In addition to phone calls, I have also submitted written complaints through your online CFPB, FTC, and Disputes through the credit bureaus. Regrettably, I have not received any acknowledgment or resolution to my concerns. Other than, " We have been unable to contact you, " My contact information is the same. I find it incredibly frustrating and disheartening that my attempts to address this matter have gone unanswered for so long. I am not denying the account is mine. 
I understand that resolving fraud cases can be a complex process, but Discover Bank lack of communication and action is deeply troubling. However, the current situation has eroded my confidence in Discover Banks ability to protect its cardholders from fraud. 
Please thoroughly investigate the fraudulent charges on my account and provide a detailed update on the steps to resolve this matter. Additionally, I would like to resolve this matter as quickly as possible. 
I appreciate your immediate attention to this matter and trust that Discover Bank will rectify the situation promptly. I am willing to provide any additional information or documentation to aid in the resolution of this issue. I have asked Discover Bank for statements showing itemized TRANSACTIONS for the years XX/XX/XXXX through XX/XX/XXXX, but they refused to comply. 

PS. Enclosed are a list of documents : 1. Drivers License 2. Identity Theft report filed with FTC XXXX. XXXX XXXX XXXX XXXXXXXX stating they are unable to contact me after sending multiple dispute letters.
Consumer complaint received 2017-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received an FHA mortgage with  Countrywide in   XXXX .  Countrywide sold  it to Bank of America in  XXXX . I was in modification with BOA since  XXXX . On  XXXX  I received a real estate business card in my door that said, " your property was sold last week call me. '' I did and did not receive a call back. I called  XXXX .  XXXX  discovered that Carrington Bank purchased the mortgage from BOA in  XXXX  and foreclosed. I was never notified of any of this. I have faxed the modification documents to  BOA many times. The return date of the modification was assigned even before BOA mailed the documents. The date on the envelope was postmarked the day after BOA required the modification returned causing me not to receive them until 4-5 days after the return date. So, it was was impossible to return them by the date they requ ired. I reported this to  XXXX   XXXX .  XXXX   XXXX  could not locate their copy of the modification, so I faxed everything to her. I was transferred and transferred, and finally told that  XXXX   XXXX  no longer work ed for BOA. Many people at BOA  reported losing refaxes and receiving only part of the faxed papers causing me to refax and refax. I was transferred and transferred, and finally was told that  XXXX   XXXX  did not work there any more.   I never receiver notice of any of a resale to  XXXX  or that I was in foreclosure.. Now, strangers are knocking on my door and I am afraid.    XXXX   XXXX   XXXX
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

We are currently paying our VA mortgage loan through Lakeview Loancare, and the website has been down since last Wednesday or Thursday. There is talk among clients that their financial bureau, XXXX, had been breached, but we have received no alerts, updates, or news regarding this information. I can not get through to Lakeview to inquire about anything since websites are down and phones are not being answered.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I received several calls from XXXX at Midland Credit Management ( XXXX ) over the Holiday weekend pertaining to collection of a debt for someone else. When they called me on XX/XX/23, I told them I was not who they are looking for ( verified address & name ) and asked them to stop calling. I asked them how they got my private phone number but they would not tell me. This information was obviously XXXX and incorrect.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in XXXX  and no payments have been made to them in nearly 10yrs this repossesion should be removed from creidit report
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I have requested validation from LVNV as I do not owe a debt that they are reporting to my XXXX report. They do not validate and XXXX does not investigate my dispute. I have also filed a claim with ftc.
Consumer complaint received 2023-08-28
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted two rounds of dispute letters to XXXX, TransUnion, and XXXX on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that TransUnion remove inquiries from XXXX XXXX XXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

Discover Bank, I have trouble recognizing an account on my credit report. It says I allegedly owe on a credit card, account numbers XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

What I said in my complaint ... 


To whom it may concern, I Disputed multiple inquiries online on XX/XX/2017 that was being reported on my credit. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (ID)

I have received multiple emails from the U.S. Department of Education regarding action needed for missed payments on my federal student loans. AidVantage, the loan servicing company has not responded to any of my inquiries into this issue. I have not missed any payments, nor does the account page I have access to through AidVantage show any delinquencies. I need to have assurance that no action is necessary on my part to avoid false reports on my credit history. This is total incompetence on AidVantages part and is totally inexcusable.
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I had a service done in late XXXX at Ulta Beauty that I was billed for, for {$21.00}. I wrote the check for that amount on XXXX  and mailed it. I get a bill/credit card statement in the amount of {$21.00} the following month. I called to tell them they received the payment and the women told me the {$21.00} was a late fee. They said they records show payment was late. I don't know if the mail has caused it to get there late or someone posted the payment to my account late. I did not pay the late fee. I told them it was an outrageous late fee. Now I receive another statement with an additional late fee of {$21.00} for not paying {$21.00} plus a {$2.00} interest fee. This bill is now up to {$45.00}. I have never seen anything like this in my life. Charging late fee on top of late fees. I closed the account but the late fees keep coming.
Consumer complaint received 2024-03-15
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-02
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. (LA)

Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Transunion requesting that the debt and public record listed on my credit report be removed. Transunion removed the debt record from my credit report but did not remove the public record. This erroneous information is preventing my husband and I from purchasing a home.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OneMain Finance Corporation (OH)

I am writing to inform you that XXXX XXXX XXXX XXXX XXXX, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me. 

According to previous court orders, the amount of debt owed is {$2800.00} to ONEMAIN, and I am required to pay this amount directly to XXXX XXXX XXXX XXXX XXXX. However, in their latest correspondence, XXXX XXXX XXXX XXXX XXXX advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, XXXX XXXX XXXX XXXX XXXX has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that XXXX XXXX XXXX XXXX XXXX has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX XXXX XXXX. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA. 

In addition, XXXX XXXX XXXX XXXX XXXX has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I received 2 emails from Chase Bank indicating I put in for a checking account had been approved for a checking account of which I had no knowledge of this account. On XX/XX/XXXX I received an email stating that the email address had been changed I called the fraud department and spoke to three different people and the questions being asked I didn't feel comfortable giving over the phone I informed the rep I would go to a branch on Friday. On XX/XX/XXXX I went into the branch at XXXX XXXX and I was told I needed an appointment and I was given an appointment for XXXX. I returned before XXXX I spoke with a very nice young lady XXXX who directed me to the fraud department and they would put in a fraud alert. I asked the rep If it would be possible I could get the information off the account to pursue go further with this matter since the bank has an email address as well as a telephone number for this person I was told no yet the account is in my name with all my personal information. At this point I feel like I am the criminal and not the victim. It seems as though whoever set this account up is being protected by the bank. I am asking for the information to pursue this and this account closed out completely.