davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (DC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$46000.00}
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through  XXXX   XXXX . The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through   XXXX   to have it removed but they did not remove it.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I am filing this dispute in response to Ad Astra providing FALSE information to the Consumer Financial Protection Bureau on complaint XXXX dated XXXX2017, For 4 years I have disputed Ad Astras right to report and collect alleged debt. For 4 years Ad Astra has falsified dates. For 4 years XXXX has allowed Ad Astra to report and has not properly investigated dispute. XXXX and XXXX do NOT report only XXXX. I have ATTACHED a letter with a timeline and with proof of the inaccurate dates.
Consumer complaint received 2023-05-15
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-09-30
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. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX stated they did not have information to take off the XXXX XXXX inquiry off credit report. That was of a result of an attempted identity theft. There is a police report with the XXXX XXXX XXXX, it is report to FTC, and internet crime compliant center.
Consumer complaint received 2023-01-02
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)

My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXXXXXX XXXX XXXX XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX  I had made reports by phone, e-mail, and by writing letters using the XXXX XXXX XXXX to XXXX credit agencies explaining that the accounts on my credit report were inaccurate. The XXXX credit agencies I reported to are as follows ; Transunion, XXXX, and XXXX. The XXXX agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. XXXX weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for XXXX years straight. Thank you
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I disputed a transaction Bank of America on XX/XX/2020 in the Amount of XXXX for a service with XXXX XXXX XXXX. This is what was sent below. My claim was denied on the basis of duplicate billing, however I am not sure which reasoning this best fits under. The service was clearly not as described. 

Dear Claims Department : I am submitting this statement to defend my claim # mentioned above. On XXXX, XXXX XXXX XXXX charged my account in the amount of XXXX. I have attached the invoice, highlighting the areas of my concerns, minutes quantity and message quantity. These were items that I WAS NOT suppose to be charged for according to the updated agreement signed. In the agreement attached, I have highlighted the area where it CLEARLY states that SMS and call minutes were included in the FLAT monthly charge of {$590.00}. 

This program is a " Done for you '' system, in which virtual assistants send out texts and calls on your behalf. ( highlighted in the agreement ) The client does not control the amount minutes/texts that are incoming or outgoing. 

Please review the portions of the contract highlighted along with the invoice. I am sure you will find that this is a clear discrepancy. 

Thank You, XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I see my credit card increase every month I dont know the reason I have a limit of XXXX $ but I have to pay XXXX $ now why? I paid monthly payment during the day I dont expect to pay this much.im unemployment my credit score decreased.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-01-02
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. (CT)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 2023-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

MOHELA is my loan servicer. 

XX/XX/22 submitted updated PSLF application to complete forgiveness. 

XX/XX/22 form status updated to processed in my online account but no eligible verification needed payments from XXXX have been updated based on the latest PSLF form XXXX 

XX/XX/22 called customer service but after over an hour on hold, call was disconnected without being able to speak to representative. 

XX/XX/22 called customer service. Spoke to rep who told me that even though my account shows the form is processed it is actually not completely processed & we need to continue to wait. When we asked why its taking more than the started 90 days, we were told that they mean 90 business days which is not clearly stated anywhere on their site or in the procedure. 

We intend to call back in a month to see what has been done.
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: ALLY FINANCIAL INC. (CA)

business loan was acquired with no personal guarantee strictly business loan against business credit. 
payoff was attempted but was declined. 

XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in Gold '' clause. HJR 192 states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ Debt Amount ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. 

As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 1601, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. 

Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. 

I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. 



Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC (AL)

I was sent a live check in the mail by Local Finance. I was having issues paying the loan. When I tried to contact the branch and explain my situation, the branch manager, XXXX, was very rude to me. She has left several messages on my voicemail : threatening to call the police on me, threatening to come to my house, threatening to have me served at work, she called my job and was rude to my coworker and asked to speak with my manager, she called my mother and was rude to her and she also sent me a letter stating she was going to sue me.
Consumer complaint received 2017-01-13
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc. (NJ)

This company keeps calling my cell phone even after I informed them via their automated recording that I do not give them consent to call my cell phone per my rights under the TCPA. Not only have they violated my rights, they are also harassing me even though I have been making payments each and every month since 2014 and have not missed a payment.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

On XX/XX/2023 I XXXX  XXXX website looking for XXXX hotel rooms in XXXX XXXX South Dakota. A deal popped up which advertises XXXX rooms for {$300.00}. I proceeded to put my information in including my debit card number, name, email address etc. After that, at the bottom of the page there was the breakdown of cost including over {$600.00} dollars in fees. So I went to exit the website and the reservation submitted on its own. I never entered submit, and I never entered an otp code or anything. 
I logged into my bank account and saw the total of XXXX pending. I also Received reservation confirmation email and chose the cancel option, page indicated that it was canceled but non refundable. I then Called the companies customer service number to tell them what happened, and they told me they have my information and its non refundable and theres nothing I can do. Then I called my banks fraud department and spoke to customer service and they told me that they cant stop the transaction and its pending and can file a fraud claim after it posts. After this all happened we went to the website for the reservation and the website doesnt exist. I submitted my fraud claim on XX/XX/2023. I was told that I would get paperwork in the mail to follow up. They didnt send the paperwork until the XXXX and I submitted the paperwork both by fax and mail on the XXXX. I received provisional credit from USBank and then XXXX weeks later they took it back. They claimed that I had submitted a dispute not a fraud claim and that the merchant stated that I knew that their cancellations were non refundable at the time that I submitted it. The problem is that I never submitted it. The website is designed to force your transaction to go through. I x-ed out of the website and never entered any submit button or XXXX  code and the transaction still went through. When I called the bank I intended to file a fraud claim, and mentioned such multiple times on the phone, and the bank did a dispute instead, regardless of the fact that I stated multiple times that I wanted to file a fraud claim. I am now our {$910.00} for a transaction that I did not authorize. Furthermore upon deeper investigation, I called the XXXX location that they claimed to make a reservation with, and there was never a reservation or cancellation on their system for me, which I believe is further indication that this company is fraudulent and fake. My reservation confirmation email came from XXXX which isnt even an existing website.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

There are wrong issues appeared on my report,  XXXX   XXXX   XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-01-02
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

My father passed   XXXX   XXXX  . He left me a home as transfer upon death dead. The home was legally recorded in my name   XXXX   XXXX  . The home has mortgage with  Chase mortgage.  I kept mortgage up since my father passed until last year I fell behind because of loan with no escrow to pay property taxes. The property taxes got behind and I was forced to put in payment plan to pay past due taxes and current. I tried to talk to chase to see if I could n't modify loan but all the sudden chase mortgage wo n't talk to me REGARDING my  dad 's  note to house I now own. When i was current they did but now they wo n't. Please help so I can fix this problem. There is equity in home. I could repay if terms were different or buy loan in my name whatever it just do n't make since to foreclose on willing and able heir of home
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

Date : XX/XX/2023 Time : XXXX am until XXXX pm Through XXXX using Zelle I put on XXXX XXXX that I was selling my Beats Wireless Headphones for {$130.00}. This women XXXX XXXX contacted me and said that she was interested and if they were still available. Proceeded to tell her that they were and asked where she lived. She said she lived in North Carolina and that she would pay the $ XXXX {$15.00} in shipping. Asked for her address and everything. She wanted to pay through Zelle, which I am not familiar with but I do have XXXX and I went through the app to use it. She proceeded to tell me that it went through but then got an email saying she needed to send me {$300.00} more to upgrade my Zelle account to a business account. She did that and then I had to refund her {$300.00} back since I only asked for {$140.00}. We both got emails saying that the {$300.00} wasnt enough to have my account upgraded and need {$500.00}. She sent {$500.00} and then I had to go in and refund it. Both then got an email saying the Zelle team have received the {$800.00} and that the processing and verification will take 1-2 hours to take effect to my account. It never did, I am out {$800.00}.