davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check ( {$4900.00} ) from XXXX XXXXXXXX XXXX XXXXXXXX from my new employer XXXX XXXXXXXX to be used to set up my home office to my checking account at Chase on Friday XX/XX/2022. Chase put a hold on the deposit until XXXX but actually released the funds to me on XXXX. With the funds available I sent out payments to 3 vendors in support of my office set up. On XXXX Chase reversed the deposit and stated the check was no good. When I contacted them to understand why the check funds were released early ( I did not ask for the funds to be expedited ) they did not give me an answer but did state that becasue the check was no good, I was responsible for the {$4900.00}. They stated I would have to contact the issuer of the check to resolve. 
Had they not released the funds, I would not have begun the vendor payment process. I would have also been able to stop the fraud that has occured.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX, still have not gotten the information I requested. 
My claim keeps getting denied. 
I never received the card or activated the card that had the charges that totaled {$880.00}. 

The fraud department only sent me proof that the card was actived and the charges that were made. I have asked if they could tell me what ( 1 ) phone number was used to activate the card, ( 2 ) if the person knew my SSN, and ( 3 ) if they have a photo of the person making the charges.

I never saw that card and I did not activate it. I did not give anyone permission to use my card. 

I filed a police report because this was the second time my XXXX funds were stolen. Your system does not protect the vulnerable. My police report number is XXXX. A copy of the report is in my file. 

My husband and I have been back and forth in the hospital he is dealing with XXXX that has spread all throughout his body. We need all of our money. The missing {$880.00} has caused a lot of bills not to be paid. 
Please make this situation right.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CO)

Very shortly after student loan interest/payments resumed last XXXX, I registered for the SAVE plan on studentaid.gov and was approved. Aidvantage then placed me in forbearance while they processed my case. I was charged close to a XXXX dollars in interest over the course of nearly 4 months. I sent multiple emails to Aidvantage during this time and filed complaints through students.gov. I remained in forbearance, was being charged interest, and heard nothing back from Aidvantage. My monthly payment under SAVE was supposed to be {$10.00}. 

I finally decided to re-apply for SAVE in XXXX through studentaid.gov and was immediately approved by Aidvantage. My monthly payment was set as {$10.00} and XXXX setup auto-pay to make the payment the first of each month. 

Without asking for it, out of the blue, Ive once again been placed in forbearance and am once again rapidly accruing interest. As someone whose monthly payment should be {$10.00} a month under SAVE, the interest Im accumulating is not sustainable. 

This needs to be remedied ASAP. I need to be refunded all the interest Ive been unrightfully charged when I was supposed to be paying {$10.00} a month under an IDR program. At this point, Ive been charged over {$1200.00} in interest while in forbearance.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

List of Fraudulent Inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-12
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. (RI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$160000.00}
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have emailed XXXX XXXX back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! please help
Consumer complaint received 2022-12-13
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. (CA)

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

With u loans has reported a single loan about 21 times on my clarity report. The loan was taken care of yet they refuse to update it! Ive reached out to the Iowa attorney general who says tribal loans cant be enforced in Iowa because of their terms exceeding iowas loan laws!
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (MI)

I used XE service to transfer money from US $ to INR to help pay for a house being build in XXXX. 
First transaction made on XX/XX/2023 REF # XXXX for {$15000.00} dollars. On XX/XX/2023 information was updated that Money was transferred to XXXX and processing to fund the receiver. I funded XE transfer via my XXXX account ACH. 

Meanwhile, I made a second transaction on XX/XX/2023 with reference # XXXX for another {$15000.00}. This time I wired this amount to continetnal exchange solution ( XXXX XXXX XXXX ), from my XXXX account. I received the update that fund are on their way on the same date. 

I had been calling them everyday since XX/XX/XXXX about the status of the transfer. Finally on XXXX they told me that the money was not accepted by the receiver and are refunding it to me. With that regard the XE online account showed that FUNDS from XXXX have been received back to US. On XXXX, I received {$15000.00} refunded to my bank account via ACH. However since that XXXX, the second transferred amount of {$15000.00} did not get refunded. I have been calling them everyday morning, they tell me new infomration that I should wait 4-10 days. I wait over few more days, on the XXXX they told me that one of the refunds did not make it, so they refunding again. Today is XX/XX/XXXX, yesterday in my call they asked me wire to XXXX does not work, so give your bank routing and account number for the transfer. To this day, XE kept my money ( since XX/XX/XXXX ) and has not provided me proof of refund. PLESE HELP and SHARE TO OTHER CONSUMERS OF THIS FRADUALANT PRACTICES.
Consumer complaint received 2023-04-21
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. (CO)

PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear XXXX, XXXX, and Equifax The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

4 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation. 
5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

XXXX, XXXX, and Equifax are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I received a fraud alert text message from Truist that there was suspicious activity on my account and to reply to confirm the charge. I did not reply to it and did not authorize the charge. When I looked at my bank portal online, there were two unauthorized Pending charges XXXX XXXX  {$180.00} and XXXX {$610.00}. I immediately called the bank to cancel my card and stop the transactions, but was told that there was nothing they could do about the charges until they were " hard posted '' even though the funds had already been removed from my account under the " Pending '' status. I asked that they cancel my card, and was told they would, but that I had to follow-up on the charges once they were posted to my account. I checked my account again on XX/XX/XXXX and there was another fraudulent charge on the same account from the XXXX XXXX for {$92.00}. I called the customer service number to let them know there was ANOTHER unauthorized charge to my account AFTER they said they froze the debit card associated with the account. That same day, I went to my local Truist branch and filed a claim ( XXXX ) for the two posted transactions and made sure my card was cancelled. On XX/XX/XXXX, the third and final transaction posted to my account and I went to my local branch to add the XXXX transaction to the claim. On XX/XX/XXXX, they deposited a " provisional '' refund for the XXXX transaction of {$180.00}, and another provisional refund for the XXXX XXXX {$92.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX to ask why they had provided those two credits and not for the {$610.00} and was told that Truist had made a final decision to NOT refund that money and that I should visit my local branch. I went to my local branch on XX/XX/XXXX and was told that it was a final decision without sharing the details of the determination. I requested a meeting with the branch manager, who has yet to follow up to schedule. I received a letter from Truist stating that they decided not to refund the {$610.00} charge and that the other two charges were " provisional '' but I could formally request all documentation associated with the claim number. I called the number on the letter provided, and requested all documentation regarding my case, and have yet to receive anything. I asked for the name of the person investigating the claim and was told that was confidential. At no time did I ever authorize these transactions and reported them as fraud the same day. Truist could have declined the transactions from posting once I reported them as fraud, but their policy is to remove the fraudulent funds from your account and then deny your claim without reason or accountability. Truist 's negligence also caused additional fraudulent charges to be taken from my account AFTER they assured me the card was frozen.
Consumer complaint received 2016-12-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CMI Group, Inc. (TN)

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I want this account to show XXXX balance and be reported to all credit agency in the time manner
Consumer complaint received 2023-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

My private school loan was transferred from XXXX XXXX to Navient XX/XX/XXXX. 

Since that time I have been making payment buts since it is a variable interest rate my interest rate has ballooned. 

Attached is a printout of my payment history. 

The last phone conversation I had with XXXX XXXX at Navient on XX/XX/XXXX inquiring why my payments are increasing even when the Feds don't raise interest rates, I was informed that every 3 months my payment history is reviewed and they automatically raise my interest rate without informing me. Currently my interest rate is at 17.625. 

At this rate, I will never pay back this loan amount. This is very suspicious practices by Navient and feel that I am being taken care of. My loan rate has gone up to almost 250 %. 

I understand Navient has been sued before and want to be included in a class action suit. 

Thank you. 

XXXX XXXX