davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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)

In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (LA)

Aargon Collection Agency is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Aargon Collection Agency and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data.

I contacted them 4 times ( 2 mail, 1 email and 2 via mail ) and I never got the information needed. They also have a notarized letter coming to them that they can not ignore or I will file legal action.

Please DELETE ASAP!
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Hunter Warfield INC. sent a {$6000.00} collection to the credit bureau on XXXX XXXX XXXX  and was recently added and reported XXXX XXXX XXXX  Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefor needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract with the credit collection or other instrument bearing my signature. 

Failing that, the item must be deleted from he report as soon as possible as I am liable for the debt with XXXX XXXX XXXX I do not have a contract with Hunter Warfield INC. 

I did report to the XXXX
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NJ)

I am now 4 months into paying my student loan debt to Nelnet and they still do not have a payment schedule available. I have tried calling and escalating this request to no avail. I am unable to efficiently do my financial planning if I do not know my month to month charges. They refuse to provide any correspondence or receipt of my request and they have given me conflicting information on my request when I call. Also the last call took an XXXXr and XXXX XXXX minutes for them to pick up.
Consumer complaint received 2024-04-08
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. (TX)

I am writing to you to formally address the ongoing issue of fraudulent items on my credit report, specifically regarding my second attempt to have them removed. Despite my persistent efforts, the fraudulent items continue to XXXX my credit file, causing undue distress and hindering my financial well-being. 

I have diligently followed the protocols outlined by your organization to dispute and remove these fraudulent items. However, the lack of action and resolution from your end is both frustrating and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

I urge you to conduct a thorough investigation into the fraudulent items and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed from my credit report to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX : {$700.00} XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} CONNS XXXX Balance : {$2800.00} XXXX XXXX XXXX Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXDEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX TRANSUNION AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid 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. (CA)

On XX/XX/XXXX, XXXX, and XXXX of XXXX, XXXX XXXX transactions using my Chase Credit Card in the amounts of {$5000.00}, {$4300.00}, and {$8000.00} were made and sent to a recipient called alienbiopsy. I did not make these payments or authorize these transactions at all. These transactions in particular were charged to my XXXX and then sent to another individual. However, the frauder was clever enough to adopt my name as well as a former residential address that I used to live in many years ago as the shipping address of this XXXX transaction. As you know, money transactions do not ship a product from one address to another. They ship money from one account to another account. After 3-5 attempts Ive made with Chase to investigate and recognize these transactions as fraudulent, they claim that the transactions are valid and that they will no longer investigate these claims, and that I am responsible for paying for them. They even claimed We assure you we researched your fraud claim thoroughly. We closed this fraud claim and wont respond to requests for additional review unless you provide new information. 

As a result, I have been accruing interest on these transactions. I refuse to pay them because I never made them! 

Chase Bank is not making a good faith attempt to thoroughly investigate these transactions and, furthermore, despite explaining to 3 call center representatives so far that these were fraudulent, they still do not recognize the fraud just because the frauder used my name and former address as the ship to for an electronic money transfer ( an address which I lived in XXXX, in XXXX XXXX XXXXXXXX XXXX, by the way ; I live in XXXX XXXX, XXXX  now, which I also explained ).
Consumer complaint received 2023-11-16
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
XXXXXXXX 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
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AZ)

On XX/XX/23 I contacted company IQ DATA to try to resolve debt I asked if i can settle for less and if they offer the option to pay for deletion off credit report they stated my account didn't qualify for a settlement because my account was not in good standing which is fine i then asked for other payment options but they refuse to make any arrangements with me I was advised to pay balance in full or nothing at all I repeatedly asked for payment options to resolve because I couldn't pay in full and was denied of any other option i was threatened that if I didn't pay today that they would never remove from my credit report even if I paid in full on a future date so I'm being denied a resolution to resolve this debt that I'm willing to pay in full in the form payment installments the representative ( s ) was very rude, very insulting, very unprofessional and seem to be working on a personal level tactics and using past communications against me and not business level tactics to do what is best for their clients I'm trying to take care of this debt they are making it very difficult to resolve I'm sure these tactics goes against compliance and company policies and needs to be addressed immediately and do they have the right to deny payments from a consumer and to clarify no abusive language or profanity was used by debt collection agency
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abbott Osborn Jacobs PLC (CA)

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Consumer complaint received 2023-10-03
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. (NY)

XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on XXXX XXXX TransUnion there are unauthorized use some one have been using my information I have not applied to any of these companys
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

The company " Chime '' opened an account using my name, social security, ( old ) address, email and phone number on XX/XX/2024. 

I called to ask who opened it and they could not answer. 

I asked for it to be closed and they told me it would be closed.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America had a class action suit for overcharging customers overdraft fees that were deemed excessive. As a member of the suit I was awarded the fees they charged the account. During the time period of the suit BOA charged me over {$3000.00} in fees. They initially credited my account {$40.00}. When i questioned this amount and asked how they arrived at it they never gave an explanation. After I filed a complaint they credited my account again the amount of {$140.00}. They then sent a check in the amount of {$20.00} which I have not cashed.This amount was still below the fees they charged. Ive seen the class action agreement and it says the bank is supposed to repay the amount of money they took from the customer. I want the excess fees refunded to me and explanation or formula used ti determine customers refund.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Critical Resolution Mediation LLC (MO)

I received a phone call from Critical Resolution Mediation LLC on XX/XX/XXXX  informing me that I owed a debt on a credit card from XX/XX/XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. CRM e-mailed me a letter that gave me the original account number for the account and their representative gave me XXXX  banks phone number. I called the bank and was told that account has never existed. When I called CRM back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I disputed inaccurate items on my credit report and the credit bureau has requested information on a XXXX XXXX XXXX. I am XXXX XXXX and no initial. the Company is Equifax
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MI)

I have been paying on this loan for years and have barely made a dent in my balance. I was told in XX/XX/2020 that my payments would stay around {$65.00} for the remainder of the loan which they did for a few years. Now they are up to {$85.00}. When I tell them I was told they would stay at XXXX they refuse to do anything about it. They gave me a temporary six month repayment of interest only and said once that is up to contact them to work something else out. I called them back and they are refusing to do anything to help. They said I dont qualify for any help until next XXXX since I just got off the interest only payments, Which I was never told. They also refused to lower my monthly payments back to what I was guaranteed or to even lower them At all. I will admit I havent always been the nicest when I call because I have dealt with many of them who were rude to me first and the lack of empathy and help is horrendous. I feel I am being taken advantage of. every time I call, I get misinformation and then they back track. They are not flexible at all.
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. (TX)

I have advised both Equifax and XXXX several times that they are furnishing information on my credit report that is unlawful which is the attorney general. as stated XXXX release this statement***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with Equifax, XXXX  and XXXX  approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

On XX/XX/XXXX, someone in XXXX XXXX, FL called impersonating me with my SSN, and requested XXXX of my credit cards be Fedexed to their address. 

In spite of me having XXXX set up, USAA sent these credit cards to someone who clearly was not me ( wrong address, wrong state, wrong phone number, wrong security settings ). 

I called and asked why cards were being sent to another address, and said they should immediately cancel all the cards. They said they would. 

They didn't cancel them and instead allowed the individual to run up $ XXXX of cash advances and fees at XXXX XXXX XXXX over the course of XX/XX/XXXX to XX/XX/XXXX. I didn't catch it since I thought they would've canceled the cards. It only stopped when I noticed the charges on XX/XX/XXXX and called them. Complete failure of security protocols. 

Many of the charges have been credited to my account as fraud, but about {$400.00} in charges remain that they're claiming are legitimate and not helping me whatsoever. They wanted me to write a letter proving the charges were fraudulent. So I did that. Please help resolve these outstanding charges and fees. They are going to withdraw the funds from my bank accounts soon to pay off these fraudulent cash advances. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.