davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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. (MD)

I submitted credit card statements, showing monthly payments to XXXX XXXX ( account opened in XXXX  ), and the credit bureaus have not removed several late payments from the account. XXXX, Equifax, and XXXX have all sent me messages, stating that my dispute with XXXX XXXX has been remedied. Yet, the inaccurate information still shows on all three of my credit reports. I have disputed this issue at least six times with the three credit bureaus. They continuously contact XXXX XXXX for input ; however, they never look at my evidence, which shows that I did not make over XXXX XXXX, XXXX, or XXXX late payments. XXXX XXXX 's erroneous reporting is affecting my credit score. Statements will be provided upon request.
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (PA)

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-05-17
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. (FL)

I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I NOTICED EXPERIAN IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND XXXX REPORTED THIS ACCOUNT AS PAID AS AGREED
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

Around about XX/XX/XXXX XXXX  2020 my car was stolen with all my identification in it. Every since then my credit has been poor. I cant even open a checking account. Or do any thing with credit.
Consumer complaint received 2023-02-08
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 (TX)

Discover Card Fraud Charge on account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover made a - {$2500.00} Credit on account XX/XX/XXXX Dicsover made a reversal of credit + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} adjustment on account XX/XX/XXXX Discover made a transfer balance of + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} credit on account XX/XX/XXXX Discover made a + {$2500.00} balance transfer on account XX/XX/XXXX Discover made a + {$2500.00} transfer balance on account Discover owes a - {$5000.00} credit on this account, I've spoken to several people to try and resolve this fraud charge but they are not helping. I keep gettend transfered & no one can help with the charges.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NH)

We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. 

We are unsure of what they are doing
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I went to dietitian XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Wednesday, XX/XX/2018 I originally agreed to pre-pay for 3 months/8 visits of dietitian service including blood work and stool tests for a total of {$1500.00}. I have that amount in writing, initialed by Ms. XXXX. My credit limit on the Care Credit card I was going to use was {$1300.00} so I agreed for Ms. XXXX to request a higher credit limit at the office. When my credit limit was raised to {$4000.00}, she decided without notifying me to bill me for {$3000.00}. I was sick and under duress when I signed the agreement, I had never agreed to that amount. She and her office manager intimidated me to the point where I did not have a chance to review what I was signing. I stopped working with the dietitian after the first month but was still billed for services that were not rendered as well as an additional amount of {$1400.00} beyond that agreement. I believe this to be fraud. Once she received the money from Care Credit, she went out of town for 3 weeks and was not available to assist me. I am also filing a separate HIPAA violation as the dietitian released HIPAA protected information to the credit card company as well. I believe she released this personal information to Care Credit in order to damage my reputation. The Care Credit card company will not refund any money even after I filed 2 disputes. After I filed the dispute, XXXX XXXX created a new invoice she calculated to justify the exorbitant charge. The dietitian is using a bait and switch tactic, I believe this is a scam. The dietitian did not render services according to our agreement of {$1500.00}, at minimum I would like to be refunded the additional amount I was over charged, {$1400.00}, and ideally, I would also like to be refunded the amount that I pre-paid for services not rendered in the amount of {$420.00}. The legitimate amount of money owed for services rendered is {$1100.00}. I would like my money to be refunded. Care Credit is now holding me responsible for {$3000.00}.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB (FL)

Fraud I tried to place an order for what I thought was a shed through the website XXXX XXXX XXXX Within moments I received an email from Klarna for an order that did not have to do with that website or item I ordered but through a company called XXXX XXXX. 

XXXX XXXX XXXX Photo shows what I thought I ordered, and photo number 1 is what put through klarna and on my card because it was a fraudulent website. 

I immediately called Klarna who said to process claim through my bank, which I did do. 

Klarna then turned my one charge into a recurring charge which I did not authorize. I proceeded to call Klarna again. They stated my bank did a chargeback for the original order and that is why they charged me again. I called my bank and they had no idea what Klarna was calling about. 

I filed a fraudulent claim with claim with Klarna and they declined it and said it was all authorized and then proceeded to charge me a third time and once again stated my bank did a second charge back which they did not do. 

I filed another claim with Klarna and my bank and canceled my card. I even had XXXX call 3 way into klarna with me stating that i ordered nothing from and I took a picture of XXXX  website because they do not accept Klarna as a payment option. Klarna declined me again saying I owed the money. 

Then klarna tried to give me XXXX XXXXracking information. The XXXX XXXXracking information does not give a full address and the picture of the home that it was delivered to is not my home. I have attached their picture and photo of my house from XXXX XXXX. As you can see from the picture there is some weird almost closet looking doors in the top left corner of the photo but my house in photo does not have that and i do not own a XXXX vehicle as shown in photo. There are many other differences in the photos I can point out but shouldn't need to. 

The phone call all alone to XXXX  should have been enough to show fraud but Klarna will still not help me. They would be willing to talk to anyone at truist if needed as well. The owner of the company is XXXX and the manager is XXXX. They have been more than helpful even when Klarna has not been. They said I am not the only one they have received a call from about another website using them for fraud. 

Instead of going after XXXX XXXX. Klarna should be going after this XXXX  XXXX but they will not listen. 

Klarna is breaking consumer laws by stating truist has completed 2 chargebacks with they have not. 

All photos are here as proof as what Im speaking of. My bank states they have not see this level of fraudulent activity in a while and Klarna should be more helpful in this situation.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Lvnv funding has maintained that I owe them the amount of {$660.00} for a original creditor by the name of XXXX XXXX XXXX XXXX Nowhere on my Consumer Report can XXXX XXXX XXXX  be found even in my closed accounts. I have attempted to obtain verification and a chain of command of debt signature release which has not been provided on my Consumer Report this lvnv funding is listed closed but yet it is still present on my Consumer Report which is impacting my ability to move forward with my credit.
Consumer complaint received 2021-03-03
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. (GA)

Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Open : XX/XX/2020 Amount : {$550.00} Company Name : {$550.00} Date Open:XX/XX/XXXX Amount : {$2200.00} I am a victim of identity theft and have reached out to the companies several time with no success. I would like these fraudulent accounts removed from my credit report. The accounts do not show up on all credit bureaus. 

There are several inquires also that I did not authorize I will list them below. 


Company : XXXX XXXX Date : XX/XX/2020 Company : XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXXA Date : XX/XX/2020 Company : XXXX Date:XXXX Company : XXXX XXXX XXXX, XXXX Date XXXX XX/XX/2020 Company : XXXX XXXX  XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX  XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXXXXXX XXXX Date:XXXX
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
Consumer complaint received 2023-02-02
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 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Ex-spouse refinanced said property assigned transfer of deed XX/XX/XXXX in XXXX, CA and Recorded date showing XX/XX/XXXX. The said property only in ex-spouse name. 

Two credit bureaus showing account as current, 1 shows as potentially negative.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

Money took from my cashapp and sent to someone XXXX XXXX while I was is jail, {$890.00} which I disputed on XX/XX/XXXX when I realized I was missing money, it was taken {$750.00} I disputed on XX/XX/XXXX, was taken XX/XX/XXXX {$780.00} I dispute on XX/XX/XXXX, which was took on XX/XX/XXXX, every Time I get my monthly direct deposit its taken from my cashapp and sent to someone XXXX XXXX and cashapp have not even given me a provisional credit! They already denied XXXX dispute for {$450.00} which whoever accessed my account without my permission use my cash card to spend money for {$450.00} at XXXX and they denied my dispute for that! Didnt even offer a provisional credit or anything during investigation ( that is the complaint I filed to the CFPB because I was in jail from XX/XX/XXXX until XX/XX/XXXX, and Ive been getting XXXX For the past XXXX years, so I was supposed to get out and have a lot of money, come to find out someone has stolen my information, logged into there phone, and sent my XXXX XXXX  TO THERE XXXX XXXX  EVERY time it got deposited while I was in XXXX, I didnt file every one that wasnt me but Im working on it, cashapp has denied XXXX out of XXXX of the disputes! Some with XXXX hours, I never got a provisional credit just all denial, and Ive didnt a complaint with the CFPB , the FDIC , and the XXXX  in hope of getting at least some of my stole Money back! Ive been in XXXX XXXX months! It wasnt me, you can even see where my account was logged into from so many different locations before I logged them out and filed the disputes!
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, the listing of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX ) XXXX XXXX XXXX ( debt collection ), I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 states ; a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-17
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. (GA)

I am writing this letter to express my intent to pursue legal action against XXXX XXXX XXXX for willful non-compliance with the provisions outlined in 15 USC 1681n. This intent is a result of the ongoing inaccuracies that XXXX XXXX continues to report on my consumer report, despite my numerous attempts to rectify the situation and bring it to your attention.
Consumer complaint received 2017-10-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX XXXX AZ called me on a local XXXX XXXX XXXX XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person XXXX XXXX XXXX XXXX my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, Navient, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called Navient, who said they had no idea who XXXX XXXX was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

XXXX was not given to me as XXXX XXXX. XXXX was approved to XXXX XXXX. They approved a loan to a dead man. I am not dead. I XXXX XXXX is still alive. XXXX XXXX is the deceased man they approve the loan to. I XXXX XXXX would like for this to be off my credit report from Speedy Cash.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Select Portfolio Servicing Acct XXXX Because of COVID, I was in forebearance with mortgage company. Forebearance ended in XXXX and I have called them since XXXX, XXXX  to get my new payments. This is log of my calls starting in XXXX. 
May Under Review XX/XX/XXXX Under review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XXXX Under Review XX/XX/XXXX Sent requested hardship letter XX/XX/XXXX, Called in because I could not log in and to check the status and I am told I am not eligible to the repayment of my loan and that I've been referred for foreclosure. I was told by the service rep that SPS approved my repayment XX/XX/2022 and I had a window of XX/XX/XXXX to accept. 

So instead of approximately {$1800.00} a month I must come up with {$32000.00} to avoid foreclosure. My problem is that they did not follow their process or were they timely in completing my request for the loan modification and closed the door on me without making any other attempts to advise me of that opportunity. They did not follow their process of notification and they indicated because I am paperless I should have been checking their website. SPS should give me additional consideration since they did not follow their process and I did follow up as much as I thought was necessary. 

I am only behind in my payments because as a XXXX  in XXXX, I did not receive rent nor could I evict. It does not seem fair that I have to lose my building and home because I complied with state and federal laws and SPS was not transparent or timely in processing my forebearance request. 

All I want is to be allowed to accept the plan that was offered that I waited over 7 months to receive.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (MN)

I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXXXXXX : opened : XX/XX/XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXX XXXX