davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2024-01-23
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. (CA)

I contacted Experian on XXXX XXXX 2024 to demand the actual documentation based on the section 611 ( a ) ( 7 ) method of verification. How were these account verified, by whom, what actual human to human called the data furnishers to actually verify that the information from the automated e-oscar system is actually error free. what time was the call log say from Experian, what was the Experian employee name that verified these accounts with the data furnishers. I have not gotten real documentation showing actual reasonable investigation of the method of verification.. Please help me CFPB, Experian is just violating my Fair Credit Reporting Act consumer rights, No real documentation is provided to me just the same old tricks that Experian uses on a daily basis to stall consumers and hinder investigations..
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

I have been contacted through mail by USCB America about a debt I owed to XXXX XXXX. I logged in to pay off the debt but I saw the amount owed is different from what I have on the letter. I called them and asked why it was different. I asked for an itemized statement of debt I did not pay from the original creditor. They were rude and said it is on their website and I should go look there. I said I looked at their website and I did not see itemized lists. There were just XXXX debt collection letters from the past which did not add up to the debt they were showing that I owed... I looked deeper and found a listing of several line items of debt I owed with minimal details like id, principal and interest. I was curious what the interest was as I never agreed to any terms that I would pay interest on this debt. I also saw that in XXXX of the debt collection letters they offered to settle for a lower amount. I asked if they can waive the interest and honor the debt settlement offer they made so I can pay off the debt right away. They said that debt settlement offer is not valid anymore and I have to pay the full balance. 

I am attaching the XXXX letter and the itemization with pretty hefty interest charges.
Consumer complaint received 2023-09-25
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. (NV)

After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2024-01-23
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. (PA)

On XX/XX/2024, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX  by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.
Consumer complaint received 2023-12-27
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

On XX/XX/2023 my ILLINOIS/DEBIT/WAY2GO card was compromised. Immediately I called customer service number on card. I was told card would be canceled however, I could not get the remainder of money until I received a new card. Asked how do I get the money left, he said go to a store and get cash back then cancel the card. {$500.00} was taken leaving {$160.00} left. Retrieved cash back at a local XXXX. Canceling the card immediately following. After canceling the card I was no longer able to speak with a live person, tried numerous time to report the fraud! Had to wait until new card arrived, 10days later in the mail. 
On XX/XX/2023 new card arrived, called customer service to report the fraud. Was sent a form which arrived a few day later, however on XX/XX/2023 was given instruction on how to write a letter, with my complaint and a FAX # AS WELL. Faxed complaint to XXXX XXXX IN TEXAS as well. Have been in touch with XXXX XXXX a few times. They were suppose to give me a PROVISIONAL CREDIT per a letter they sent me, while investigating my complaint, because they received the form and letter by XX/XX/2023. However upon calling them they REFUSE to return my money, stating it could take 45-90 days. I need my money my bills are past due now and, it appears the theft was done internally. The money was taken on the exact date my money was deposited on the card, with a {$500.00} limit per day! The card never left my possession. The letter plainly stated if I got the form and papers back before the deadline they would return my money. However they still have not!
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXXXXXX, operating under the XXXX XXXXXXXX which involved me making deposits for a total amount of {$86000.00} from my JPMorgan Chase account to fraudulent investment firm.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2023-09-25
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. (NV)

I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax has placed an account # XXXX on my account. This is not my account. How did they place this on my credit report? How many mistakes must they continue to make without respite or without repercussions? It is clear and quite evident that this is an account that belongs to someone else. It is their job to report COMPLETELY -- ACCURATELY.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OR)

I went to XXXX XXXX in XXXX XXXX is their manager at the facility off of XXXX. I believe the XXXX XXXX XXXX XXXX I need a car super bad for work. I went in with a trade-in then spent over {$1000.00} closer to 2000 for insurance and everything down payments everything signed everything signed. Everything then gave them as collateral with another car, within 30 day With no payment for XXXX months guaranteed. They call me in the first XXXX weeks. Tell me that they need to put in a different car cause I wasnt approved for it. I said I wouldnt have signed everything if I wasnt approved for it so they let me leave the lot they let me spend all my money and then told me that I wasnt approved for the vehicle that I wanted The satisfied everything just completely irritated that they would only offer me a XXXX XXXX, but I had a car so I had to take it. I didnt want to and I wanted to cancel the contract right then and there they wouldnt let me. I told him I would not give the car back until they gave me my car back that I put in for trade because they have sold to the auction, repossessed it within 30 days 390 day that I did not need to pay until 60 days From the second, fifth ninth XXXX XXXX phone call from XXXX XXXX or give me my money back. They refused everything that I asked, then they came and repossessed the car while my wife was at work. And then charged me XXXX times for the tow bill up to {$1800.00} The bank wrote a charge off without any information whatsoever labeled it completely inaccurate from the original agreement. Automatically, XXXX XXXX signed it over to creditors. Lied on the paperwork. Forced me in designing forced me into screwing myself without any full recognize consent any of that while Im asking XXXX different questions because it didnt seem right I have the original agreement management takes the debt next thing I know I have an identity theft from XXXX XXXX to XXXX XXXX and thats identity theft and they take no responsibility on a unsecured network didnt notify me didnt do anything but refuse deny and refuse all requested information and inquiries. They have a fiduciary DUTY, responsibility, and obligation to the beneficiary. And being honest is part of that contract now I have to file bunch of in needed paper work as well as a XXXX to all agencies. Because of this hoard and horrific event, I got screwed more than than once out of this deal. They crushed the car after they repossessed it and then somebody signed off on my car that I traded in through the XXXX which is fraudulent. I never signed off on any vehicle.
Consumer complaint received 2023-09-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I leased a car from XXXX nissan on XX/XX/, I was approved for the loan and was told that I will need insurance to insure the vehicle, I purchased business insurance for the vehicle and XXXX nissan could not get my car registered with the business insuance card because it showed my business name, the car salesman forged the insurance card document, took off my business name and left my first and last name, I called XXXX nissan about this and the dealership denied this, the insurance card I sent into XXXX nissan isn't the same insurance card they used to register my vehicle, this constitutes as fraud and criminal, my insurance was closed because of the XXXX nissan forging documents. any forged documents with in a contract makes the contract null and void.
Consumer complaint received 2023-09-25
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-25
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)

After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2023-09-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

Great Lakes was bought by Nelnet who has increased my interest rate and eliminated customer service. I scheduled a recurring payment prior to start date ( XXXX ) which has since been obfuscated. They have not responded to my emails and reached out over text to say my loan info has changed at the last minute. Furthermore, I can not pay more than the minimum on a regular cadence and must call in via phone no longer than 30 days advance to schedule a principal payment separately from a minimum. I am not on an IDR plan or anything and wish to pay off more than the interest rate every month which is made untenable at this point by nelnet.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$550.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MN)

US Bank owes me a refund of {$3500.00} from VISA transaction ID XXXX but no one at the corporation will search for My Missing Money, find out where it was mis-applied or mis-appropriated, and return the money to me. 

Details of my complaint are specified in CFPB Case XXXX which seeks to find or locate My Missing Money. XXXX response to my complaint states On XX/XX/2021, the Seller issued a refund of {$3500.00} ( Refund ) for the Payment, which was credited to your Credit Card that same day. It is important to note that most refunds will appear within five business days. However, refunds can take up to 30 days depending on your financial institution. 

I have never received this refund to my credit card from US Bank. 

Individuals at US Bank that I have talked to maintain that US Bank did not receive the refund. I believe US Bank, in an effort to provide quality customer service to a XXXX year loyal customer, should be working with the gateway provider XXXX to determine where My Missing Money is. 

Other individuals at US Bank that I have talked to maintain that because I did not file a Bill in dispute notice within 60 days as per the Fair Credit Billing Act, that I am not entitled to my refund. This purchase occurred when I was doing a home remodel during Covid, and, like everything else in the world, nothing proceeded easily, normally or smoothly. Because of the pandemic, renters were offered protections through the CARES Act, home owners were offered Mortgage Relief, students were given Student Loan Relief, and many exceptions were made to standard rules, laws, and operating procedures. I believe I am justified in asking for an exception to the timing of the XXXX. After all, this is MY money that was refunded ; nobody else has a right to the refund of {$3500.00}. 

I look forward to reaching the following resolution : US Bank traces VISA transaction ID XXXX for the misapplied or misappropriated funds and returns the money to me.
Consumer complaint received 2023-09-25
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. (MN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX