davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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. (IL)

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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the XXXX 's Account. 
XXXX 's never responded by mail. I used the Chat Box on the XXXX 's website to request for the account history. They finally emailed the information on XX/XX/2023. 

XXXX 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that XXXX 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. 

This has prevented me from obtaining a loan and I will proceed with an attorney if needed.
Consumer complaint received 2023-05-01
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 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 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I enrolled into XXXX XXXX XXXXXXXX back in XXXXXXXX XXXX I only attended for a total of XXXX  semesters. Over the years I have tried HUNDREDS of times to contact XXXX XXXX XXXXXXXX to find out how and why my loans amounted to over $ XXXX when I didnt even complete an entire year there. Worse, because of my age they told me the only option for me to enroll was by forcing my father to co-sign for me. I would leave voicemails, messages, complains and never once received a phone call, email or any sort of correspondence from them. 13 years later Im still getting harassed by Nelnet to pay even though the school shut down years ago. I filled out the paperwork to see if I could get the loan forgiven because apparently the school was a scam, but no matter what I did-I never received any follow up. Then when Nelnet over the student loan, they lied to me telling me getting all of the balances put together would make it more organized and I wouldnt continue to receive numerous letters in the mail with different balances because they would all be accumulated into one. I only agreed to it due to how they explained it would make it more paper-efficient and organized. I didnt understand or realize how much that would XXXXXXXX XXXX XXXX because when Ive asked for itemized statements, they tell me they dont have it and cant see it because theyre all combined and I need to reach out to the official school or the Department of Education . And since the school no longer exists, and even when they did they never called me back and they were out of state so I never got to talk to them again. And the Department of Education never answers or worse, if they ever did over the years they would tell me to talk to Nelnet because they dont have the loan or any information!!! Nelnet just loves to pawn you off to someone else, blatantly lie to you or just hang up on you!!!! For the last three years I have told them to leave my father alone and to remove him from my accounts and to STOP contacting him. To cease and desist because he has nothing to do with the loan. They consistently said he wasnt on it and they wouldnt email, call, send mail or anything to himyet they constantly do!!! When theyre on the phone with me they tell me I have one balance and nothing else. Then I bring up the mail he STILL gets even though theyre not supposed to talk to him and then they claim that balance is about someone else, not me. But then when my mom calls, they tell HER the balance is mine and they need to pay it!!!! Theyre liars. Theyre scamming and trying to get my parents to pay on a loan that doesnt exists but when I call they tell me its not true!!!
Consumer complaint received 2023-10-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I received two fraudulent credit cards issued by Synchrony Bank for XXXX 's XXXX XXXX I filed a police report, froze my credit report with XXXX, and called the Synchrony Bank to inform them of the identity theft and fraud. On XX/XX/XXXX, I notified the Social Security Administration, XXXX, and Identity Theft.gov ( report # XXXX ). 
I have had multiple written and phone conversations with Synchrony Bank regarding the fraudulent charges, the fraudulent cards, the changes in my address, phone # & email they continue to allow. Recent correspondence on XX/XX/XXXX I spoke with XXXX, Fraud Department regarding a new fraudulent card issued to XXXX XXXX on my account and attempted charges on XXXX by said person. XXXX indicated that account was closed, a new account was created & card would be mailed, I am not responsible for charges. On XX/XX/XXXX, there are three pieces of mail from XXXX. which includes two more cards on my account issued to XXXX XXXX & one issued to me. I again called the fraud department and spoke to XXXX. She stated that the company would not speak with me until receiving printed documents verifying my identity. This had previously been sent to them but it was dated.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

15 USC 1681 Section 602 States I Have The Right To Privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (CA)

Hi there, I have a small business checking and savings account with Chase Banking. We used a service called XXXX XXXXWePay to receive clients ' payments via credit card. The payment gets sent to WePay which is usually automatically transferred into our Chase business checking account. 

The screenshot below with the title " Sales Activity '' is the app from WePay. On there, you can see that my customers have made 3 payments : XX/XX/XXXX : {$400.00}, XX/XX/XXXX : {$400.00}, and XX/XX/XXXX : {$650.00}. These payments were NOT transferred into my Chase business checking account as they normally are supposed to. 

Furthermore, WePay emailed me saying that my WePay account has been closed for " high risk of chargebacks or dispute ''. Now when trying to log in to the WePay account, it is no longer accessible and they have not released the total funds of {$1400.00}. 

When I called WePay for clarification, they did not give any information about why the account was closed without notification and did not share what they meant by " high risk of chargebacks or dispute ''. They said that we needed to appeal via email ( XXXX ) for the funds to be released. I have emailed them and have not heard back and am concerned about my money being held captive by them. 

I have already met with my bank representative at Chase Banking and they can not get clarity on how funds can be released accordingly as they are not WePay. My customers have already been charged and WePay is holding the money in reserve. 

I would really appreciate any assistance in helping my funds get released. This has been really frustrating and I need help. Thank you so much.
Consumer complaint received 2023-10-13
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, 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)

I am a victim of identity theft, and I absolutely have no knowledge of [ this/these ] inquirie ( XXXX ). I request that you remove the fraudulent inquirie ( XXXX ) immediately! Please send me an updated and accurate statement, and REMOVE ALL REMAINING INQUIRIES. Please and thank you I was incarcerated since XXXX ( year XXXX ) up until XX/XX/XXXX Ive never applied for credit.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I called my phone provider XXXX XXXX XXXX in efforts to save money while I was traveling abroad. 
The representative recommended that I temporarily suspend my phone plan with them and renew it when I am back in the U.S which I agreed to. 
The representative had XXXX my account when switching over the new plan. My account was left bare and I was charged XXXX XXXX dollars a day for 3 consecutive days until the new plan was effective. 
I was charged over {$15000.00} over the 3 days! 
Ive spent hours upon weeks on the phone with XXXX XXXX XXXX customer service representatives who agreed with me that this was an error on their behalf, but they were unable to get me the assistance that I needed, given their lack of power in these unique cases. 
Ive made several attempts to connect to their headquarters and no response on their end. 
This has not only effected my credit but my mental health! I have tried my best to rectify this issue and I will not give up. This was a wrongful and complete absurd charge and XXXX XXXX XXXX is to blame for this.
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Hello, I paid my account in full on XXXX. Since then, I have been charged interest and late fees on this account even though the card is closed and I do not have an outstanding balance. 
I have reached out to Comenity several times for an explanation, but the only semblance of one that I was able to obtain from a manager was that possibly an interest charge was calculated prior to my final payment and just not added to my account. 
This bill is now up to {$350.00} and they are offering no resolution. 

XX/XX/2023 Interest Charge On Purchases {$7.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$6.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$5.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$4.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$3.00} XX/XX/2023 LATE FEE {$37.00} XX/XX/2023 Interest Charge On Purchases {$2.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$4500.00}
Consumer complaint received 2023-10-12
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please 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 2023-10-12
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. (GA)

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.
Consumer complaint received 2023-10-12
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (VA)

I made a purchase in the store on XX/XX/XXXX. I later contacted the store and was given permission to exchange my purchase for a smaller couch. I completed an additional purchase around XX/XX/XXXX and was told to expect a credit for my initial items within 2 days. I never received a credit from the merchant and filed a dispute. 

I sent documents confirming that I was due a credit and if reviewed properly my transaction history will show that I never received a credit. Additionally a review of the invoices supplied by the store also show that no credit was applied to my second transaction as claimed my the merchant. 

My dispute has been handled improperly. My documents have not been reviewed and Ive been given conflicting information. Please review information provided in the live chats on XX/XX/XXXX and the multiple calls. 

I am requesting a permanent credit, update to my credit report to reflect the correct high balance and a correction to the minimum payment. I am also requesting {$1000.00} in compensation for negligence.
Consumer complaint received 2023-06-15
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 14TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$2400.00}