davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXI XXXX Balance {$0.00} Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NY)

In accordance with the fair credit reporting act Exeter Finance has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also state a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor my not treat a payment on a credit car account under an open end consumer credit plan for any purpose.
Consumer complaint received 2024-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (TN)

For XXXX months I have told them I am now on XXXX and can no longer afford my payment and need to apply to have it forgiven. My health event is permanent and will not change and I have had it for over 15 years. My doctor filled out the required paperwork and I sent it in. They then said they needed the promissory note to provide it to XXXX. I provided that. My loan was due on XX/XX/XXXX. I called today ( XX/XX/XXXX ) and the recording said that they only accepted calls on weekdays. How can this be? ni customer service at all if you call on a weekend? So my note now has an enormous late fee, which I can not pay, and I still do not know the status of my request that I asked to receive in XX/XX/XXXX. 

Dealing with the scam of student loan debt almost makes me wish for my death to happen sooner! I can not keep my sense or will to live going knowing I am no longer valuable to Navient. 

Please let me know what I can do? I was raised to pay my debts, but with Navient, that debt has tripled and I can not afford it on {$1700.00} a month.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Is not mine ) XX/XX/XXXXXXXX XXXX XXXX ( Is not mine ) XXXX XXXX ( The date of my last payment is reporting incorrectly ) XX/XX/XXXX These information is incorrect .... 

XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. NJ XXXX XXXX XXXX, XXXX. NJ XXXX
Consumer complaint received 2024-01-13
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: BARCLAYS BANK DELAWARE (ND)

I noticed on my most recent Barclays XXXX XXXX statement dated XX/XX/XXXX a charge for {$29.00} for XXXX XXXXXXXX XXXX XXXX that was not authorized. I contacted XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and asked about the charge and I was told it was a monthly charge for unlimited car wash. I informed the girl from XXXX XXXX that I didnt sign up for a monthly car wash and she told me I signed up in XX/XX/XXXX and they had been charging me monthly for the service since then. I told her I only authorized the {$10.00} charge on XX/XX/XXXX for the car wash -I hadnt authorized anything else. She told me she would cancel the monthly subscription. I requested credit for XXXX months worth of transactions they had been charging me without authorization ( XXXX XXXX ) and she told me she could only credit me for XXXX months worth. I said that was unacceptable as I didnt authorize any transactions but the {$10.00} on XX/XX/XXXX. I then contacted Barclays billing disputes and spoke to someone regarding this and she said that since the merchant said they would credit XXXX months, she would dispute the remaining XXXX months unauthorized transactions. On Wednesday, XX/XX/XXXX, I received a letter from Barclays disputes department saying they were unable to obtain credit on my behalf because they did not receive the notification within XXXX statement cycles after the charges appeared on my monthly statement and they are past the timeframe to assist. I called Barclays disputes department that same day and spoke to a gentleman and told him the charges were fraudulently made by XXXX XXXX XXXX XXXX so asked how I would know to notify them within XXXX statement cycles? He said they are unable to assist so I requested to speak to a supervisor to which he took down my number and said I would receive a call back in XXXX hours. I never received a call back. I am contacting you in hopes that you can assist me in getting my money back for the fraudulent charges Barclays paid the merchant with my credit card. Your attention to this matter is much appreciated. 

Sincerely, XXXX XXXX Dispute case # s for unauthorized transactions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I filed a claim in the amount of XXXX on XX/XX/2023 from a hotel double charge and they provided the credit. Fast forward to towards end of XXXX they randomly reversed the credit with no call, email, or nothing as to why they did. Wells Fargo also Reversed a credit of XXXX from a claim I filed due to my phone being stolen and transactions occurring on my account through XXXX XXXX. I called to understand why after all this time and after they stated theyd credit the amount and the claim would be closed cause it was in my favor. I ended up calling XXXX support as well because I wanted to know what evidence was sent to have them reverse the credit and they couldnt even give me any evidence or solid reason as to why. They told me the passcode is required to have access to send money or Face ID, which I didnt have Face ID on the XXXX and people are capable of hacking and scamming peoples information. Its becoming easier for people who commit fraud to access your information these days. If a customer goes through a situation where information has been stolen from them along with items and they depend on their bank to help them with money thats gone missing from their account and to make right cause they promised to help, then turned around to leave you in a predicament to have your account negative its dishonest. I chose to give banking with Wells cargo another chance thinking that circumstances changed but its still the same as it was before.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

The company 's customer service is extremely hostile. They have locked me out of my account and I can not have access to my statements which are needed for filing my taxes. I need access to my account so that I can retrieve my statements.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

My banks contract terms and services clearly state they will not give information to non affiliates. Yet I ordered my report from early warning services today. When I asked where they got this information, they said my financial institution. This means my banks, XXXX XXXX XXXX XXXX XXXX XXXX, chase, XXXX XXXX XXXX XXXX, since I was XXXX XXXX XXXX, each and every month they report this information is {$1000.00} violation. This is easily going to amount {$240000.00} minimum. Now, this is Violation according to 15 usc 1681 under permissible purposes. Also violation under 5 usc 22a requesting ssn and not a government agency? And charge offs Ive had have been reported as income, this illegal because they report transaction history. Id like this updated paid as is. And be compensated for amount charged off
Consumer complaint received 2024-01-26
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: JPMORGAN CHASE & CO. (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : JPMCB AUTO FINANCE Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2024-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/24 I attempted to make a purchase using my PayPal account. I was told that it would not go through due to non sufficient funds. I knew I had just put money in this account the night before so I had them check again and the same thing came back. I then logged into my PayPal account and saw there was a {$0.00} balance and a recent withdraw transaction to a bank I had never heard of in the amount of {$330.00}. I then called PayPal to report/inquire and they said they have opened an investigation but that can take many days. I let them know that I needed to refill my medicine or I could have serious issues. That doesnt matter to them apparently since I have not received my money and there are no updates from them. I need your help.to get my money back to me so that I can get my medicine and because the money was stolen from my account. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MI)

Each time I send in a dispute to Experian, I send a letter and a copy of my driver 's license, social security card, and utility bill to verify my identity. Experian will receive the dispute however they send me a response saying : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I have provided more than enough information to verify my identity multiple times. Experian is violating Federal Law by treating this as a frivolous dispute.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (MS)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-01-13
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. (AL)

The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. 
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error. 
The items below should all be updated as agreed on my consumer report. 
also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). 

XXXX XXXX  Account number XXXX late payment XX/XX/XXXXXXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Consumer complaint received 2024-01-13
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. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX, XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And these inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
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)

I been sending letters and the past XXXX to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of XXXX companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last 30 days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (HI)

This is a debt that was from my late husband. The credit card was in his name only. After he passed away, I closed his account. The credit card company started calling asking me, relentlessly, asking when I would be able to pay. I explained that this was my husband 's card only, he's deceased and I do not have any money to pay for a debt that wasn't from me. They refuse to resolve the issue. Instead they sent a letter in my name saying they were giving me a {$100.00} to my account due to an error on their part. They changed names on the account. How is this action legal?
Consumer complaint received 2017-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been charged a interest rate of 26.49 and a protected interest rate of 23.40 over XXXX dollars a month how can this be legal no other credit card I have does this I even pay more each month and it will never be paid off this is ridiculous I hope you can help me
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (WA)

After 1 year, discover finally returned my {$1000.00} money. They deposited the money into my checking account. However I lost access to my checking account on the day the money settled. I was not able to log onto my mobile app. I had contacted discover multiple times. They said they had some technical issues on their end and would call back but they never did.
Consumer complaint received 2024-01-13
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: EQUIFAX, INC. (IN)

XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : Equifax will not. XXXX will not.