davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX  XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-10-17
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. (IL)

IT IS CUSTOMARY AND PRECEDENCE AS WELL AS CONSURMER REPORTING PRACTICE TO NOTATE WHEN AN ACCOUNT IS IN DISPUTE. THIS ACCOUNT WAS NOT NOTATED AS SUCH, THEREFORE MANDATING THE REMOVAL OF THE ACCOUNT.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-11-14
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. (NY)

Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am filing to formally notify you of my intent to pursue legal action against you. 

I have provided comprehensive documentation demonstrating that the data furnishers do not possess accurate records. Additionally, they have failed to respond to my requests for information, which is a legal obligation. Despite this, I continue to receive generic responses from you, asserting the verification of the listed accounts. Where is the evidence of this verification? I have yet to receive any documentation confirming my legitimacy as the author or responsible party for these accounts. Without verification or evidence, how can you assert compliance with FCRA law? I am providing you with one final opportunity to rectify this situation. 

The following accounts are reporting inaccurate information and I insist on their immediate removal from my file. 

XXXX XXXX and XXXX XXXX. 

Please be advised that, in accordance with the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to conduct this investigation. I am meticulously documenting your actions, including your method of verification. I explicitly do not consent to E-OSCAR or any form of automated verification.

Furthermore, the presence of these inaccurately reported accounts is causing significant emotional and financial distress, adversely affecting my sleep, work performance, and personal life. I demand their prompt removal.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OH)

I am a XXXX XXXX XXXX XXXX. I have student loan debt of {$XXXXXXXX} now held by XXXX. I have had multiple obstacles to paying the loan that began in XXXX XXXX XXXX XXXX XXXX  %. Now there are programs that didnt exist back then, but dont help my circumstances now, but would have changed everything then ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - but even {$XXXX} forgiveness wont fix it ). I have no other debt, a small savings. What can I do? I read the dept of ed., student loan stuff, spoke to my servicers regarding there programs, ( to the point that the representatives and myself XXXX XXXX XXXX  ) and its hard to apply their options to my circumstances now. I believe I am a standard case of a common, really messed up student loan experience, that falls in the process as much as myself, but perhaps to a larger magnitude. PLEASE HELP!!

I can provide many more details but dont know where to start. 

XXXX
Consumer complaint received 2023-06-04
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. (FL)

I am interested in processing disputes on my credit report to delete all inaccurate information with transunion. alot of information is invalid. this has been an ongoing issue that has been hurting my file. please review an delete all data submitted to delete the inaccurate information asap.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, I wrote a cashier 's check under my own name for the amount of {$80000.00} from my business account with Bank of America ( BOA ). I took the check and deposited it into my XXXX XXXX account on XX/XX/XXXX. The funds cleared and were available for a few days but XXXX XXXX decided to put a hold on my funds and I haven't been able to retrieve them since. They initially informed me that they needed some type of receipt from BOA to confirm the funds which I provided after visiting a BOA branch but the funds remained in suspension since then pending an investigation which wasn't fully explained to me. I have been going back and forth with XXXX XXXX ever since without success. Recently I called them to find out what happened to my funds and they informed me that they decided to close the account and that the funds had been returned to the original creditor ( BOA ). They wouldn't give me any more information about when this decision or even my it was made claiming that they are not obligated to provide me with such information. I spoke with multiple representatives from BOA and they informed me that no funds were sent back to them from XXXX XXXX and that my account was closed since XXXX. The last representative I spoke with from BOA even denied seeing any details about a check that I wrote which made no sense since I wrote the check myself and deposited it into XXXX  XXXX who acknowledge the check and the amount and say that the transaction was reversed back to BOA. However, when I speak with other XXXX XXXX agents, they are unsure of what happened to the funds and at this point I don't even know what to do anymore. I would have filed this case with the CFPB a while back but I was unaware of this until recently when I it was recommended by a close friend. Please help me in any way in receiving my funds.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland credit Management is after XXXX for Asset Acceptance LLC who is trying to collect this for an XXXX XXXX XXXX and I tried to find this on all web sites and there is nothing their for me to verify this debt I feel it is fraud.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I submitted an XXXX payment request through the official XXXX website on XX/XX/2024. The request was intended to make the full payment due on XX/XX/2024 : {$480.00}. As of XX/XX/2024, MOHELA has not posted this payment to my account and customer support representatives can not provide any information as to the missing payment. A MOHELA representative created a research request to find the missing payment on XX/XX/2024. As of XX/XX/2024, no action has been taken on the research request. According to the XXXX website, MOHELA " accepted '' this payment on XX/XX/2024. However, this payment is not reflected on my MOHELA customer portal and the MOHELA representative was not aware of the payment. 

My XXXX payment has been processing for over XXXX weeks and I have no reason to be believe it will be processed in time to make the timely payment tomorrow, XX/XX/2024.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I submitted a claim for money that XXXX was taking out of my account each month for a XXXX membership fee for a XXXX account that I didnt sign up for or create or want. I do have a XXXX account that I created however this is a duplicate account that has been created without my knowledge and without my authorization and has charged me {$15.00} every month for two years as well as for other subscriptions for things I didnt authorize or purchase. XXXX told me to file a claim with my bank and so I did and my bank has denied 5 disputes on this matter without ever contacting XXXX! Ive sent transcripts of my phone calls with XXXX, emails with XXXX, a personal statement all explaining exactly what is happening and my bank just denies it and buys themselves XXXX more days and doesnt even contact XXXX to try and get the money back. They are rude on the phone, hung up on me 3 times today and want me to do all kinds of things to send more documents and more proof when I have already sent them all the proof they need but no one does their job! Im tired of waiting for my money back and they are a bank they could give it back to me and then go after the merchant and I am sure then they will actually do their job and contact XXXX. I call for updates and to tell them to contact XXXX that they are waiting for them to contact them and they will repay the money, but they dont do anything, they dont tell me what information they need from me nor do they allow me to speak to anyone that is currently working on my case. I am fed up with waiting and having no recourse and being at their mercy and never being advised on what they are doing during this process which has taken far too long!
Consumer complaint received 2024-03-19
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-18
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. (SC)

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. 
XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( 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.

15USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

We want to let your organization know that we believe that our credit card has been compromised or hacked. Either through an XXXX device or our Fidelity Credit card itself via XXXX. 

On XX/XX/2018 we were informed by our financial institution ( Fidelity Visa 529 card ) that our small purchase wouldnt go through because we were over our limit. Doing further investigation, on our own, we found that approximately {$20000.00} of unauthorized charges were on our childs phone via i-tunes and ONLY i-tunes. 

We contacted Fidelity and formally declared unauthorized activity or fraud. We also contacted XXXX fraud support case # XXXX. In the beginning Fidelity spoke with and worked with XXXX and refunded some of the charges. However, after more charges came to light and our case with Fidelity was transferred to another fraud employee they no longer agreed that fraud was the issue. 

We asked Fidelity, why they didnt let us know about suspicious activity on our account or put a hold it. They claimed we have to be authorized, by you the card holder, to contact you when we suspect unusual activity. They did however contact us previously about suspicious activity and stopped one card and sent new ones, without being authorized. 

While on the phone with Fidelity fraud department and with our childs phone in our possession new unauthorized i-tunes charges were rolling in. Fidelity deactivated this card and sent us new cards. Shortly after, putting this card into an XXXX device, new unauthorized charges started once again. XXXX support said they would credit back these fraudulent or unauthorized charges just as soon as Fidelity requested them to do so. Fidelity has decided they will bill us instead. 

As a consumer, we do NOT believe that our interest are being protected by Fidelity Visa, nor do we believe that we are the only ones experiencing this.
Consumer complaint received 2024-03-19
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (NY)

Accounts XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCS FINANCIAL SERVICES CORPORATION (OH)

I had a vehicle in XXXX XXXXXXXX bankruptcy. I called XXXX XXXX and asked how much I owed. I paid the {$450.00} that I was told that I owed on XX/XX/XXXX. I asked them to update my account as paid in full and to correct the balance owed to {$0.00}. They did not correct it, even after I disputed it with the XXXX credit bureau. I have had problems with this company reporting incorrect information since I filed for bankruptcy in XXXX. The didn't report any payments through bankruptcy but reported one payment in XX/XX/XXXX. They sold my account previously to LSC Financial Services which was supposed to be submitted to the bankruptcy trustee but never was. I also was not informed. Then they bought the account back and when I called I was told that I couldn't make a payment to them because they should have sent my account to a different collection company. My account has stated delinquent, while in bankruptcy, then changed to XXXX. XXXX wage earners plan and now says charged off. I would like for XXXX to remove charged off from my credit report because they received all of their money and there was a payment plan to repay the loan. They reported charged off several times on different parts of my credit report. Also, the company that they previously used for collections recently pulled my credit even through they have not had my loan since XXXX. This company is awful. They deliberately report false information on people 's credit reports.
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

I first became aware that there is XXXX Credit card opened in my name when I received letter from XXXX XXXX dated XX/XX/XXXX, stating that my account has been closed due to continued security concerns Shortly after I received another letter dated XX/XX/XXXX where it looks like some activity initiated from XXXX has been stopped. After this I received a statement and request for a payment from XXXX XXXX   in the amount of XXXX. 

I called them immediately and reported this as a credit card fraud and possible identity theft. I have provided as much information as I could at a time and they conducted their investigation. On XX/XX/XXXX they informed me that they can not find any bases to support my claim and that i must start repaying. 

I called them and they reopened investigation, and apparently still found no bases. I called them again and had lengthy discussion with their supervisor ( XXXX ) He did not provide much information to me on which they based their decision. I was able to get few things from him. First several payments were made to them, mostly by money order, but one by bank transfer ( he would not say what bank or whose name was on bank ), they mailed a number of statements to the address I verified ( first time I heard of the bank was from XX/XX/XXXX correspondence ). I requested information verbally and in writing but nothing was ever provided to me. 

Since then I have filed Identity Theft Report with Federal Trade Commission and signed up for XXXX  Protection Now my credit scores are going down and I started receiving harassing phone calls from bank collectors.