davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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: DISCOVER BANK (DE)

I paid over my discover account and put it away safely in my safe. I then got notice that XXXX XXXX dollars was spent on my card. I disputed with discover and they refuse to honor my claims. Im force to make payments on transactions I didnt do so it doesnt effect my credit.
Consumer complaint received 2023-05-24
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 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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX of XXXX, I settled and paid {$640.00} with Capital One. I was told that once paid it would be removed off my credit report. Here it is XXXX of XXXX and it still showing on my credit report as a charge off when it was supposed to be removed.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (MO)

This is my NUMEROUS 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

AES student loans : -notified me last fall ( XXXX  ) that payments were no longer on pause -I began making payments again -I kept seeing news that student loan payments were still on pause -I reached out a few months ago and inquired why I was still making payments if everything is paused and I wanted my money back -They didn't answer my question and just said if I forced to be refunded, it would put my account in collection status -I stopped automatic payments -My husband lost his job and my income is sporadic and well under XXXX XXXX/year -I applied for an IDR plan and submitted all the information -I kept getting notifications that my application was incomplete, however, I also applied for an IDR with XXXX XXXX XXXX XXXX and they had no problem reviewing the exact same info and completing the task -I messaged AES asking specifically what was needed and they never let me know XXXX only that it was incomplete and I would receive something in the mail with more information -I never received anything in the mail -I have tried to apply for student loan forgiveness as a past employee of nonprofit organizations -I 'm doing everything I can to keep these current and have a repayment plan that reflects my income but I don't know what to do anymore -I don't understand why AES has been hounding me for payments when everywhere else seems like it's on pause -At the moment, I can not afford the payment they have set for me and I don't appreciate the lack of information or willingness to help in the situation at all
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

hen I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a contract worker who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a XXXX late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their XXXX XXXX XXXX department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.
Consumer complaint received 2023-02-21
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Equifax Credit Information Services , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Phone number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate and make necessary corrections to my credit report. I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-05
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. (MI)

I would like to express my extreme frustration and disappointment regarding the handling of fraudulent items on my credit report. Despite multiple attempts to dispute these fraudulent entries, they persist on my credit file, causing significant distress and potential harm to my financial well-being. 

I have submitted detailed explanations, supporting documentation, and any other requested information through your dispute resolution process, yet these fraudulent entries remain unresolved. 

The continued presence of these fraudulent items on my credit report not only damages my credit score but also undermines my financial credibility and exposes me to potential identity theft risks. Despite my efforts to rectify this situation, I am dismayed by the lack of urgency and effectiveness in addressing these critical issues. 

Given the severity of the situation, I demand immediate action to remove these fraudulent items from my credit report. Furthermore, I expect a thorough investigation into how these fraudulent entries were allowed to persist despite my diligent efforts to dispute them. 

I urge you to expedite the resolution of this matter and provide me with written confirmation of the removal of the fraudulent items from my credit report. Additionally, I request compensation for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Failure to address this complaint promptly and satisfactorily will compel me to escalate this matter to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these in my credit 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 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 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( Experian ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain.

I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (AL)

I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. 

XX/XX/2023 CREDIT CONTROL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear CREDIT CONTROL LLC, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX  XXXX and MAIL dated XX/XX/2023. You identified the debt as XXXX XXXX XXXX. 
Please CEASE all communication with me and with this address about this debt. 
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (FL)

I refinanced my house and this loan was one of the debits that got included. I sent the check for the payoff to Barclay 's bank. They cashed the check in XXXX for {$13000.00}. I wrote my account number of the front of the check. When Barclays cashed the check, I can see that the acct on the back of the check was incorrect. They transposed 2 of the digits. I've called them numerous times but they do not seem to want to help me. They keep telling me that it can take 1 to 2 billing cycles for it to be corrected. I've made 3 payments on this loan that I should not have had to. My next payment is due soon and nothing is getting corrected. I don't want my credit to be affected. This was not my fault. They entered the check to the wrong account number. 

Thanks, XXXX XXXX
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I filed a claim with Wells Fargo regarding a merchant who charged my card at a restaurant when the manager told me my transaction would be voided out the system. However that did not happen the transaction posted to my account I have pictures of the raw food I have names on the management team and yet my claim is Denied