davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WA)

The credit card was opened in my name without my knowledge or permission by my now deceased husband. I found the credit card after his death and contacted the company.

Amount owed {$1500.00} Found his user name and printed statement from online ( found another 2 credit cards from this company in husbands name ) XXXX called company and reported fraud XXXX found email from company in husbands email. Called company - they said report to police and send death certificate XXXX Letter from Aspire, account closed & fraud claim report XXXX Letter sent to Depute Resolution Fraud with FTC Report XXXX Letter from Aspire, again, acct closed & Fraud report 14 days to respond. Note, I was in hospital & ER after total XXXX XXXX and could not reply XXXX Aspire letter, now calls this " unauthorized activity '' & I didn't reply in time, therefore I am responsible XXXX mailed, using their envelope, fraud claim form, my XX/XX/XXXX letter, FTC report, Police report XXXX Called and explained hospital & convelescent, FTC Report etc. Told to start over and fax. Immediately FAX Letters, notes, FTC & Police Report, Fraud form and asked this be removed from my credit report. 
XXXX Called to check status. Told, not in my favor. Verified account opened using XXXX  email and mobile phone. Advised no estate, no probate, no assets. 
XXXX XXXX XXXX letter dated XXXX stating 1 ) family benefited 2 ) Card sent to fraud claim address 3 ) Aspire will not intervene in civil issue nor be able to make assumptions activity was fraudulent 4 ) therefore I am responsible for balance
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Experian refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings.

I need the CFPB to hold Experian accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER!

Otherwise I will have no choice but to involve court!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Duplicated student loan/accounts reported by XXXX. 

Accounts were reported/opened on XX/XX/XXXX with the highest balance of {$24000.00}. Zero monthly payment and Last reported on XX/XX/XXXX. 

The second account was also reported/opened on XX/XX/XXXX with the balance of {$24000.00}. ( With a highest balance of {$25.00}, XXXX last reported XX/XX/XXXX ) Also the balance due on my student loan is reported incorrect. Last payment being made to XXXX in the amount of {$270.00} on XX/XX/XXXX. 

Current/correct balance as of today XX/XX/XXXX is {$24000.00}
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2023-12-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I never attended XXXX XXXX - ever thus all student loans pertaining to that school in my name were discharged. On XX/XX/2023 I received a notice regarding the approval of my borrower defense case regarding all loans associated with XXXXXXXX XXXX Application # XXXX. With that said I am due a refund of {$1400.00} or more. Since Ed Financial is my servicer it is the responsibility of Ed Financial to initiate the refund owed to me. Ed Financial has not taken any steps to initiate a refund for me.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

The XXXX of XXXX my XXXX loans/ grants refund was credited to my chime account. I was arrested at XXXX and did not get out of jail until XX/XX/2023, at XXXX. When I checked my account, the following transactions had been made XXXX at XXXX Transfer {$340.00} to XXXX XXXX XXXX XXXX XXXX XXXX Transfer to XXXX XXXX XXXX {$140.00}. XXXX at XXXX Transfer to XXXX XXXX XXXX {$500.00}. XXXX at XXXX {$200.00}. XXXX Transfer to XXXX XXXX XXXX {$100.00} I filed a dispute on the XXXX of XXXX and was denied the next day with no explanation. Filed a rebuttal the XXXX of XXXX and again was denied without explanation. Then again on the XXXX filed for the dispute to be reopened and every time asked for information detailing the reasons for denning my claim considering I can see exactly where an unrecognized device logged into my account and made these transfers to their account without any authorization from me or knowledge to me of any kind until I was released from jail and found my account empty. These were federal loans or grants from my college refund, my housing money for the next XXXX months. I have talked to the police and need paperwork from chime to file police report that they will not provide or help me with at all. They keep denying my claim without reasoning when all the evidence is visiable from my account clearly.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MO)

I applied for the SAVE program a while back when my husband was still employed. Since then, he lost his job and our situation has changed. I tried to see if I could get a deferment or forbearance for a little while, but their " change in household '' option doesn't mention anything about your spouse losing employment and only focuses on you. You can only choose the options they have listed and I went through all of them and don't qualify, but they said a repayment option is {$500.00} a month, what the heck. And I don't " qualify '' for a forbearance. I've been paying off my loans for over 15 years, and I know what a forbearance means and if I want to accrue interest while my husband looks for a job, I feel it should be our choice to. The options are so inflexible. Never mind that I never got a statement from NELNET, never heard anything about if my SAVE application was approved. Trying to get a hold of them is impossible. The lack of communication is maddening.
Consumer complaint received 2024-04-24
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. (CA)

On XX/XX/XXXX I received a credit alert from XXXX XXXX XXXX advising me of a derogatory credit report.by XXXX XXXX for a XXXX XXXX XXXX XXXX 

I initiated a dispute with Transunion stating the account was not mine and wrote a letter sent via certified mail to XXXX XXXX. I have never had an account with XXXX XXXX  nor have I applied for or had a XXXXXXXX XXXX XXXXXXXX XXXX. 

I received a Transunion response about two weeks later saying that XXXX XXXX  had verified the account as accurate and my dispute was closed. About 45 days after my letter of XX/XX/XXXX to XXXX XXXX  I received a letter from them stating that the file had been turned over to XXXX XXXX XXXX for collection and that all communication needed to be with them. I called XXXX XXXX XXXX and explained the issue and was repeatedly told it was my account and that I needed to pay it. I stated clearly that it was not my account, that I disputed it and that I wanted proof of its validity including the original application, copies of all charges supposedly made by me and copies of any correspondence sent to me regarding the account. I was told it would be delivered to me by mail in about 60 days. I also learned during that call that the mailing address they were using was that of a property I sold in XXXX. 

I awaited arrival of the documentation for about 90 days before calling again. I was informed again that I would receive it in about 60 days. To date I have never received anything via US Mail, email or via any other message despite having confirmed my correct mailing and email address with them in each call.
Consumer complaint received 2023-05-10
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There was an XXXX XXXX XXXX, once I found out my information was compromised I started to do research on the matter and learned how to access my credit report. I called and sent letters to the creditors that I did not recognize or give permission for these accounts to be open. I also sent in proof of identification and FTC report numerous times. This breach has affected my credit score and livelihood. I have spent countless hours trying to the bottom of this. 

Capital One Fraud Began XX/XX/XXXX Amount {$2800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$900.00}
Consumer complaint received 2023-11-03
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 (FL)

My name is XXXX XXXX, and this is my rebuttal I sent to Priceline/Barclay for a XXXX XXXX I never received. XX/XX/2023, My XXXX ( XXXX XXXX ) and I arrived at XXXX XXXX XXXX around XXXX XXXX. I received a email to pick up my XXXX XXXX  from XXXX, which I paid in full to Priceline/Barkley for XXXX XXXX XXXX XXXX Once I got to XXXX agent, they advised me that I had no reservations. I fought with them back-and-forth because I had a email but to no avail. They instructed me to call Priceline my credit card company, after over an hour on the phone with Priceline, They advise me they sent a email to XXXX. And that my rental arrangements had been changed to XXXX XXXX XXXX. I advise Priceline that that is not my correct email address. My correct email address is XXXX. I headed to XXXX XXXX XXXX XXXX at the airport to see if I could retrieve my XXXX XXXX Upon arriving at XXXX XXXX XXXX no agent was there which led me to believe they were out of cars. After spending XXXX hours at the airport, my husband decided to go back to XXXX XXXX XXXX and purchase a car on his credit card so we could begin our vacation. I called Priceline back and told them what happened about me not being able to retrieve a car that I paid for in full, I immediately requested a refund because they sent the email to the wrong address. After fighting with Priceline for XXXX weeks on the phone every day they finally sent me a check for XXXX  XXXX days later they bill me in the amount of XXXX  to my credit card bill. First of all they already have the XXXX that they never sent back, then how can you bill me for a product I never received. I paid my bill because my credit is excellent. Priceline/Barclays sent that email to the wrong address now I have been fighting for XXXX  days trying to retrieve my money back. XXXX XXXX XXXX has no record of myself signing or retrieving a car the day in question. I advise Priceline/Barclay that Ive never received the car. I sent a receipt from XXXX that same day, proving that I had to rent a car from another company. Price line/Barkley told me it was nothing they could do to help me to get my money back. Why do I have to pay for a XXXX XXXX I never received for XXXX This is fraudulent activity. I would like for this credit card company to return my money for a product I never received. Thank you
Consumer complaint received 2023-10-30
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. (PA)

I am a victim of identity theft I currently have XXXX collections on XXXX, XXXX, Experian, XXXX That are due to fraud and I want all them deleted I have dispute and called to have them resolved and removed and they did not give proper identification under fare credit act I will list all items that need to be deleted I did not give permission.. 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
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (PA)

I received a notification on my credit report about collections. I do not know the company nor the debt they are asking for. Someone was able to use my name and information for an account somewhere. I have never lived nor visited the place where the said collections is coming from.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Due to the pandemic, all payments and interest rates were suspended. The payments resumed in XX/XX/2023. However, All of my payments went to interest even if I paid on time this XX/XX/2023. Nothing to principal Mohela says that the daily interest rate caused my payment to all go to interest rate. The customer service said that the payments resumed in XXXX and that since XXXX a daily interest rate has been applied. See attached screenshot of my payment. How are we going to move forward when all of our payments even if it is on time just goes to interest?
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in XXXX.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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 an 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 any purpose.
Consumer complaint received 2024-04-24
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)

I am deeply concerned about the negative impact that fraudulent accounts are having on my credit history. I have noticed a significant decrease in my credit score due to these unauthorized activities, which is adversely affecting various aspects of my financial life. These fraudulent accounts not only limit my ability to obtain new credit but also increase the interest rates I must pay on existing and future loans. This situation is jeopardizing my financial stability and my ability to manage my finances effectively. I am actively working to resolve these issues and would seek understanding and support from creditors and credit agencies to rectify my situation and restore my credit rating. I appreciate any advice or assistance that can be provided to help me navigate this challenge.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (TX)

In or about XX/XX/23 and XX/XX/23, I submitted documents into my Mohella student loan account requesting a pause in student debt repayment because I have XXXX students enrolled XXXX XXXX XXXX XXXX. Both requests have not been responded to. I have called numerous times but there is always an hours long wait. I have also sent two secure messages through my Mohella account to the provider that have been ignored.
Consumer complaint received 2024-04-24
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. (FL)

I am deeply concerned about the negative impact that fraudulent accounts are having on my credit history. I have noticed a significant decrease in my credit score due to these unauthorized activities, which is adversely affecting various aspects of my financial life. These fraudulent accounts not only limit my ability to obtain new credit but also increase the interest rates I must pay on existing and future loans. This situation is jeopardizing my financial stability and my ability to manage my finances effectively. I am actively working to resolve these issues and would seek understanding and support from creditors and credit agencies to rectify my situation and restore my credit rating. I appreciate any advice or assistance that can be provided to help me navigate this challenge.