davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

Back in 2001 I tried to put my payment back on deferment due to not working and XXXX would not help me get a job in the field that I graduated for. I believe it's because I was one of many students that was XXXX XXXX  by one of XXXX instructors named XXXX. Since then whwn I ask for paper work to lower my payment they say they send it out but I never get it. 
Now they just take my income takes. 
I have called XXXX to see if we can come up with an agreement they tell me to call Sallie Mae.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (GA)

I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. 

First Credit Services Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with First Credit Services. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.
Consumer complaint received 2023-04-11
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-10
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)

XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-11-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (OH)

This bank after having a mma and cd before, has continuously denied me from opening an account. They have no solid evidence to deny this. I have reached out to XXXX as I have a clear and clean record, and I have a perfect 800+ credit score with no freezes nor fraud alerts on my credit reports. This bank needs to be investigated as to why they refuse to allow me to open an account unless its because they are discriminating against me for my support of the XXXX XXXX XXXX XXXX XXXX which most banks hate. I have consistently XXXX to XXXX XXXX XXXX and XXXX XXXX presidential campaigns with the XXXX XXXX which is disclosed on tax forms. The bank would have knowledge of this and this is why after having closed my previous accounts they refuse to allow me to open a new account. As mentioned above there is no solid evidence with XXXX or the credit agencies as to why midfirst ( Vio-Bank ) deny the accounts from being opened.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-16
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: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/XXXX I made a purchase to comedy show we were not allowed into the show due to the building was at capacity we were told by the promoter to send a email for refund which I did and XXXX advised to reach out to merchant which I did with no response I filed a dispute with my bank in which on XX/XX/XXXX they charged my account back the XXXX I reached out to the merchants and both are telling me that they dont have the funds were sent back to bank and its the bank discrestion to release my funds back the bank will not help me neither will tixr or laugh factory
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been 2 months since my initial dispute and this account still has not been verified so how are the 3 credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: January Technologies, Inc (NJ)

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 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, 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 2018-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I have a Wells Fargo " Home Project '' account. I have made regular, on time payments for over 5 years. Paying the first charge early. And with a new purchase paying on time every month since XX/XX/XXXX. 

On XX/XX/XXXX, I went online to make a normal monthly payment. Due on XX/XX/XXXX. I selected the incorrect amount, apparently selecting a button that said pay the full amount. 

On XX/XX/XXXX I noted that my checking account was debited for a " NSF Fee ''. 

I called Wells Fargo immediately - and was informed that the payment would pass through the bank up to 4 times. I asked if there was a way to stop it, explaining I made an error. They said only after it attempted 4 times, and returned 4 times would that be possible. As once it is " in the system '' there is no way to turn it off. 

So, I called my bank and arranged for a personal line of credit, sufficient to pay the XXXX. 

I was charged XXXX by Wells Fargo for an NSF Fee. I promptly paid this on XX/XX/XXXX. 

That payment was extracted the NSF on XX/XX/XXXX. 

I called Wells Fargo and asked them to please reprocess the payment for the full amount. I informed them I had taken a personal loan and would like them to extract the full amount ( XXXX ). They informed me that they were not able to accomplish - except sometime in the " next 15 days ''. 

Would you not know, 16 days from when they made this claim ( XX/XX/XXXX ) is when the account was due for its normal payment. And that it could then be reported as delinquent. 

I have never missed a payment with this bank. My mortgage is with this bank and I have had the home projects. I made an error that should not even be able to be made with no checks and balances system. And to be certain, a phone call should have been able to be made and have the situation rectified right then.
Consumer complaint received 2023-11-16
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: GOLDMAN SACHS BANK USA (IL)

In XXXX XXXX XXXX I made an online purchase for {$580.00} with Merchant, XXXX upon receiving the order confirmation I noticed it had my old shipping address. I contacted the merchant for days and their Customer Service line said to email in they were not taking calls due to the holiday season I emailed in and by the thine the Merchant responded the package shipping could not be changed. They apologized and said they would make sure it did not ship and once it was back in warehouse issue my refund. They also offered me a 10 % discount on future orders for my inconvenience. I am not sure if they did what they were supposed to because they never followed through on the credit and Goldman Sachs Apple the card I used, I have disputed 7xs they keep closing the dispute in favor of the merchant. Saying it was delivered to the address on the order. I have submitted Goldman Sachs the email conversation where the merchant I interacted and the response in which they informed me they would get the package and apologized for the delay in my response. Now if the merchant didnt do as they said and it was delivered to my old address taht I moved why didnt they go back and get the receipt a package? Why I am responsible for this when I made every effort to get it to me and once I interacted with merchant I was assured they would do their part. I tried calling the merchant since Goldman Sachs is doing nothing for me and they said the financial institution, Goldman Sachs has to dispute it because it is over 90 days.
Consumer complaint received 2023-09-07
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. (NY)

I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-16
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-02-15
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. (NY)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Credit, Inc. (IL)

I have been divorced from the debtor since XX/XX/XXXX and part of our XXXX decree states she is responsible for all of her debts which include XXXX XXXX and XXXX credit cards. I have never applied nor possessed a XXXX XXXX XXXX credit card. According to the documents they provided, the charges were made between XX/XX/XXXX and XX/XX/XXXX. Also, I believe the debtor has filed for bankruptcy since the charges. 

I sent a letter on XX/XX/XXXX, after their initial attempt to collect the debt, stating I am not responsible for this debt. ( letter attached ) On XX/XX/XXXX i received approx 50 pages from XXXX saying I requested this info ( I did not request anything ). 

The pages include a cover letter stating I requested this info, an affidavit of forgery, identity theft complaint affidavit, and copies of all charges made on the credit card. 

I 'm going to ignore these documents, but I want to file a complaint to help XXXX understand they are chasing the wrong person for this debt.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (FL)

ALDOUS AND ASSOCIATESXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The above collection company is refusing to remove this from my credit report. They are exercising and demonstrating abusive and unprofessional conduct concerning my credit report. I have requested to have the collections removed multiple times verbally, yet they are insisting the collection remains. According to the FCRA, I need the above collection removed off my credit report as soon as possible. 15 USC 1681a.
Consumer complaint received 2023-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

LEXISNEXIS provided erroneous information to XXXX XXXX XXXX resulting in insurance premiums being doubled. LEXISNEXIS reported a person named XXXX XXXX XXXX as living at my address. No such person exists at my address. This person has a horrible driving record so XXXX XXXX XXXX added them to my policy and doubled my policy premiums. I do not know who this person is and no such person lives in the building.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2023-09-10
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 instructio
Consumer complaint received 2018-05-16
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: CITIBANK, N.A. (TX)

I am a victim of Identity theft. Someone used my information to open an account with Citibank XXXX XXXX. I was alerted to an inquiry by XXXX on XX/XX/ after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXXI recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX  Including one fromXX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/ Received notification from XXXX  that they verified the account as mine and the dispute is closed. 

XX/XX/ XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXXWas transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.