davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NH)

I had put in an application for a revised income base repayment plan based on the new SAVE repayment plan. This was done to reduce my payments. I completed the application on XX/XX/2023 on the Department of Education 's website. The request was sent to my servicer Aidvantage. They had received the application on XX/XX/2023 according to the Department of Education. I had received correspondence from Aidvantage on XX/XX/2023 that they had received the new income driven plan. There was nothing that I had needed to do on my end since I had consented that the Department of Education could request my tax return from the IRS. The timeframe to process the request according to the Department of Education was four weeks. It has been six weeks since I had sent in my application. I have not heard from the servicer. I had tried to contact the servicer and they did not respond.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion Driving History reported to my auto insurance underwriting department that I had a traffic violation on my driving record. This caused the insurance company to increased my annual premium by {$810.00}. When I stated to the insurance company this was wrong, I was told that their reporting agency said it was true and that the court issued points on my license per Transunion. I called the Pennsylvania Court House where I attended the trial. Per the court house, I was charged on my XX/XX/2023 citation with " XXXX - Failure to stop at a red light '', and this charge was amended on XX/XX/2023 after my trial to " XXXX - Obedience to Traffic Control Device ''. This is not a points offence per the court employee, and she directed me to the Pennsylvania Department of Motor Vehicles ( DMV ). The DMV employee told me that my license is clean, and she is not sure where the insurance company was acquiring such information because they have no record of it at the DMV. She then told me I could pay {$14.00} for a copy of my driving record to furnish to the insurance company. I then called back the insurance company and was eventually told that they could not do anything, and I had to call the Transunion Driving History. The Transunion Employee opened a case which may take 30 days to resolve. I then called back my insurance company and left a supervisor a long message that my insurance is up for renewal in 10 days, I pay my bills, I have wasted 3 hours of my life on this, and most importantly in the United States of America a person is innocent until proven guilty. Transunion is reporting charges to insurance companies not convictions which is XXXX. The insurance company supervisor called me back and told me that he directed his underwriting company to pull my driving record and that since it is clean my premium was returned to the previous year level ( with inflation of course. ) My complaint is that I should not have to file a dispute because Transunion is reporting driving charges and not driving convictions. How many Americans is Transunion disenfranchising with reporting charges in lieu of convictions?
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. (TX)

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 accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
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: EQUIFAX, INC. (TX)

I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-09-03
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. (MO)

I have ask this company to remove unauthorized inquires that are on my credit file but they tell my that they can remove anythings. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-20
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. (GA)

I have contacted XXXX, XXXX, and Equifax directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from Equifax and XXXX stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. 

Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}
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: Bread Financial Holdings, Inc. (CT)

In accordance with the fair credit reporting Act this creditor has violated my rights under 15-USC 1681 sec 602 States I have the rights to privacy.

15-USC 1681 sec 604-A section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

15-USC 1666B A creditor may not treat a payment on credit card Account under and open an consumer plan late for any reasons. 


accounts both are from Comenity bank and both accounts are at XXXX balance. 

Victoria Secret/comenity Bank reprorted late payment for XX/XX/XXXX on XX/XX/XXXX and I've paid account in full, they reported me to credit bureaus, without my permission. I've called the XXXX spoke to a representative which she guided me to Comenity credit bureau which I sent out for a dispute, where they say nothing is guarantee. 

XXXX XXXX/Comenity Bank reported my account late on XX/XX/XXXX as well to XXXX, XXXX, XXXX without my consent as well. no update on account as well account still shows as late payment. 

These items are affecting my credit score, which makes it hard for me to purchase a home. 


thanks for taking the time to review my issues.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XX/XX/2023, a total of {$3400.00} was stolen from my account through my debit card information at two separate post office locations at the same time. On the same day, I called my bank and told them that money was stolen out of my account, and the representative claimed she stopped the payment, but it was still taken out. She said they would investigate the transactions. Since then, I have been chasing Chime to retrieve my money back, but they have not done a proper investigation and they did not issue me a provisional credit. I provided them a police report and an FBI investigation report to prove that I am a victim of fraud. I even went to one of the post offices where my money was stolen from, and they said to go back on XX/XX/XXXX and that they may have more information at that time. They also stated that Chime has not contacted them. However, they still refuse to comply with any of my request. Every time I call Chime, they seem clueless, keep transferring me to different individuals, and even though I provide them a case number and ask for the status, they keep saying they don't know, and have no access to my case or account information. It has been almost 2 months now and I still have not received my money back. I know that they are violating Reg E and UDAP. I am hoping the CFPB would help in this matter. I will also take this complaint to their banking partners, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-03-17
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/23, I realized my XXXX had been stolen while I was out of town in XXXX, TX. My XXXX had my Chase Sapphire Credit Card linked to XXXX XXXX. The thieve ( XXXX ) who stole my XXXX were able to break into it and then create a new recovery key to lock me out of my XXXX ID ( I found this out later when I was able to regain access to my email ). They then charged approximately {$40000.00} over 32 separate transactions ( {$40000.00} to be exact ) to my Chase Credit Card at the XXXX XXXX XXXX store in XXXX in a matter of hours. This was even over the credit limit on the card ( {$32000.00} ). In the years that I have had this card I have never even came close to this limit. I called Chase that day to report that my phone had been stolen and to cancel the card. They initially labeled the charges as fraud and cancelled the card. Within a few weeks, Chase took the charges off of my account. Roughly a month and a half later, the Chase Fraud Department called requesting additional supporting documentation to support my fraud claim. That same day I sent over a copy of my XXXX Police Report as well as my Identity Theft Report. Three days later, without even calling me, they closed the case claiming they did not receive the documentation. They then charged the {$40000.00} back to my account. I immediately called Chase Fraud and they were able to find the documents and told me the case was re-opened. After a few days passed, I called Chase Fraud back and a supervisor told me they could not pull up the Police Report and also informed me that I need supporting documentation from XXXX ( proof of a receipt that I bought a new phone ) as well as documents from XXXX ( proof that I reported my phone was stolen and my XXXX XXXX  was compromised ). I sent them my XXXX receipt from the XXXX store in XXXX, TX showing that I purchased a new cell phone the same day that my phone was stolen ( XX/XX/23 ). I also sent them an email I received from XXXX on XX/XX/23 that included my Case number. A supervisor from Chase Fraud called me back telling me that there was still not enough documentation for them to reverse the charges. I have since sent them even more documentation including my Apple Case notes regarding my lost iPhone/Compromised Apple ID, an email from XXXX of my account notes ( stating that my phone number was suspended lost/stolen and added to the negative list on XX/XX/23 ), and emails exchanged with the XXXX PD Detective regarding the Credit Card Abuse reported XXXX Chase Fraud is saying there still is not enough supporting documentation provided to reverse the charges and has closed the case again. As a customer, I feel completely mistreated by the Chase Fraud Department. I have consistently given them the documentation they have asked for and even more to prove that these charges were not made by me.
Consumer complaint received 2023-09-01
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. (SC)

I was looking to buy a home, on XX/XX/2023. I went to XXXX to look at my credit and discovered that my credit card was damaged badly! According to the 15 U.S.C 1681 law, there should not be any damages on my report which is defamation to my character.
Consumer complaint received 2024-04-05
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. (IA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
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: EQUIFAX, INC. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/XXXX I visit us collection in person for the fact being I noticed they where reporting on my account after trying to reach them by phone serval times. Before visiting them I stop by the court house who provided me with my eviction documents that stats the amount that was owe to the courts, which is not the amount that us collection agency is reporting to my credit. They informed me they was trying to collect in a judgement, attorney fees and filing. Which was already in place. They went on to say they where not aware of the judgement and my previous apartment complex didnt inform them of that matter however they still intended on collecting on there balance and the previous judgement that I brung to their attention. No one in the office wanted to explain to me why they have the right to try to collect double of what my judgement was stating. So I filed a dispute with my credit bureaus. Just got the dispute back now its even more on the balance. This company is not reporting correct information and I need to speak to someone about this matter.
Consumer complaint received 2024-03-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NV)

National Credit Systems colluded with XXXX XXXX XXXX to defraud me out of a balance of {$12000.00}. I was legally protected from payment rent during the XXXX COVID19 rent moratorium. The XXXX County CARES Housing Assistance program ( XXXX ) approved reimbursement of my {$12000.00} to the landlord ( XXXX XXXX XXXX XXXX ) for rent and assessed late fees due to COVID-19. However, the property management staff at the time was either incompetent or committing fraud by requesting me to pay the {$12000.00} balance despite my approval for the XXXX program and being unemployed and unable to pay. 

XXXX XXXX XXXX colluded with National Credit Systems to defraud me out of this balance. In fact, NCS continues to offer me a reduced settlement ( see attached letter ) for a balance that I do not owe. NCS has maliciously tarnished my credit and reputation for the sole purpose of financial greed to profit from the worst financial and health crisis we have experienced in COVID19.
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. (LA)

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NJ)

My XXXX cell phones were stolen. The sync up Drive damaged my XXXX. THE REP told me to submit the bills to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I sent letters in XXXX, XXXX, XXXX, XXXX. 

How many letters do I have to send? Im out off thousands of dollars my XXXX CAUGHT ON FIRE. THE WIRES FROM THE SYNC UP DRIVE SHORTED OUT MY XXXX ELECTRICAL SYSTEM. WHO IS LIABLE? 

I CALLED XXXX & was harassed to give my back account info then 3 secondS later my bill went up {$300.00} dollars. Im not liable 4 this charge off my last bill was {$2400.00} XX/XX/XXXX. XX/XX/XXXX XXXX XXXX my acct:XXXX XXXX acct : XXXX. Bal : {$2000.00}. They sold it to RPM   ON XX/XX/XXXX ref : XXXX creditor acct : XXXX total due : {$2700.00} XXXX needs to pay me for my XXXX THAT WAS DAMAGED. As soon as I removed by baNK info the calls started 24 hours MONDAY-SUNDAY. HARASSMENT I HAVE BEEN A LOYAL FOR TEN  YEARS XXXX  IN XXXX XXXX XXXX XXXX XXXX SCAMMED ME & MY SON ALSO MY BANK ACCOUNT. I WANT ALL MY MONEY BACK. ASAP SENT TO MY XXXX XXXX XXXX XXXX, NJ XXXX. 

The XXXX LOCATION IN XXXX XXXX XXXX CALLED ME XXXX XXXX XXXX, NJ. I CALLED AND COMPLAINED NOTHING DONE. I HAVE OVER ONE THOUSAND COMPLAINTS IN XXXX SYSTEM. I WAS ONLY MAILED A BILL. I WOULD RATHER HAVE PIECE OF MIND AND STUDY LAW HOW TO SUE XXXX IS WHAT IM DOING. ENOUGH IS ENOUGH.