davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

Incorrect Debt Collection Impacting XXXX  [ XXXX Customer Service ] , I am writing to urgently address a significant issue regarding a debt collection placed under my name, which is negatively affecting my credit report. Despite multiple attempts to resolve this matter over the phone, I have yet to see a satisfactory resolution.It has come to my attention that there is an account open under my name with XXXX that I did not authorize or create. This account has been sent to a debt collector, resulting in a detrimental impact on my credit score. I have made numerous calls to XXXX XXXX customer service department to request the cancellation of this unauthorized account, but unfortunately, my efforts have not been successful.I am deeply concerned about the implications of this incorrect debt collection on my creditworthiness and financial well-being. As such, I urgently request your assistance in resolving this matter. I kindly ask that you promptly investigate the unauthorized account in question and take the necessary steps to have it canceled and removed from my credit report.I have attached any relevant documentation. I would appreciate it if you could acknowledge receipt of this email and provide me with a timeline for when I can expect a resolution.Thank you for your attention to this matter. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2023-10-05
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}
Consumer complaint received 2023-09-02
Product: Credit 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: DISCOVER BANK (CA)

Ive had random transfer balance charges totaling almost {$4000.00} posted to my account on Discover. I call them and no one can explain where they came from, and I tried so many times. They even charged me interest for these bogus charges. When they do explain, agents tell me about charges already literally posted to my account. I finally got them to return some of my money, but they still keep charging me XXXX  as a broke XXXX XXXX XXXX.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I have addressed the issue with the company, but still no resolution. I am in the process of trying to buy a house and Credit Acceptance refuses to remove the late payment erroneously report off my credit. I have bank statements reflecting the dates of payment made on time each month, which I have presented to Credit Acceptance. I have attached statements showing all monthly payments. The payment history sent to me was not accurate information regarding my account.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I wish to practice my right as a customer of Chase Bank to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( XXXX ) with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

On XX/XX/XXXX, I made a wire transfer in the amount of {$41000.00} USD ( transaction number : XXXX ) for the purchase of a red XXXX XXXX XXXX. The payment was sent to XXXX XXXX XXXX of XXXX XXXX, XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The contact details provided were as follows : phone number XXXX and website XXXX XXXX XXXX. 

However, it came to my attention that the account number to which I made the wire transfer belonged to a different company, which I was unaware of at the time. I expected Chase Bank to exercise due diligence and notify me that the beneficiary account did not match the invoice and was not the intended recipient. Unfortunately, no such notification was provided by Chase Bank and payment was executed without my knowledge or consent. 

When I contacted Chase Bank to request a refund, they have continually refused to give me a refund, claiming that they called me on XX/XX/XXXX to confirm the recipient. I can provide evidence from my call log that proves I never received a call from Chase Bank on that date. This discrepancy raises serious concerns about the accuracy of their claim. 

Please see the attached Photos for my proof of Chase Banks continuous lies.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.XX/XX/XXXXXX/XX/XXXXBalance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am XXXX XXXX. There were multiple numbers of unauthorized transactions in my Bank of America credit card account. This is a fraudulent activity. I realized that the balance increased up to more than XXXX XXXX dollars in the past. I paid more than half of the amount. But I do not want to pay the rest of the balance. BOA keeps bugging me to make the payment on the account. They keep charging interest on the account.
Consumer complaint received 2023-10-05
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. (OK)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDUCATION/XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I went to a liquor store on XXXX XXXX in XXXX CA. I was going to purchase some snacks which totaled about {$4.00}. ( this could be off by a some cents, I could not remember the exact amount. I paid with my ATM card and it was denied and tried it XXXX more time just in case it didnt go through the first time. The clerk told me it was declined. It surprised me because it was not large amount. I told the clerk to hold on to my items while I check with the bank. Well before i called the bank i logged in to my account on my phone and found out that the money on my savings account was not there. So I looked at the transactions in my savings account and found out that there were transactions there from XXXX XXXX XXXX XXXX Florida. The items taken were for the following : XX/XX/XXXX a transfer from checking for the amount of {$15.00} XX/XX/XXXX ATM withdrawal for {$20.00} XX/XX/XXXX ATM withdrawal for {$160.00} XX/XX/XXXX in person TELLER window withdrawal {$1500.00} ve me As you can see all transactions were done out of XXXX FLORIDA and I was not even near or close to FLORIDA because I am presently in XXXX CA and at WORKED while this transactions are unfolding. I also currently reside at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I havent been in Florida since i moved here in the XXXX in XXXX. 

I called the bank and told them that my account has been hacked the above mentioned transactions were not authorized or done by me. So an incident was recorded and a reference number was issued to me and that a provisional credit was going to posted to my account within 10 days. Guess what, after 10 days I didnt see that credit as of this writing. Oh wait, it gets better! Not only did I NOT get the credit they DONT HAVE A RECORD OF THE REFERENCE NUMBER they gave me. They were saying that it might have not completed when she submitted it. And i said, WHY DO I HAVE TO SUFFER FOIR YOUR INCOMPETENCE. at this point I am as hot and my XXXX XXXX just shoot up the roof. And this is CITIBANK. Anyway she said thayt we fike another dispute and so we did and was dated XX/XX/XXXX. Then guess what, after the said INVESTIGATION they sent me a letter dated dated XX/XX/XXXX, XXXX hours after we filed another dispute. ( whoa tjhats XXXX XXXX of an investigation ) and in the letter they are saying that they are DENYING my claim and will not refund my money because the said transactions were consistent with my banking activities. Wow, by now im ready to lose it but at this time im not feeling well becasue of this unnecessary stress they are making me experience. I really had to terminate the call because I feel very light headed. So i called back and they asked me if I wanted to file an appeal.IMAGINE ASKING ME THAT, so i said yes and as of this writing I have not received anything from the bank except for an unauthorize of use form that I had to sign. But not heard from them about a resolution.
Consumer complaint received 2023-10-05
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2023-10-05
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$4800.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-10-05
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: CrossCountry Mortgage LLC (PA)

A person called me claiming to work for my Mortgage company. He said I had negative escrow and needed to pay it asap to avoid foreclosure. After paying {$800.00} in visa gift card. He offered me a way to lower my monthly payment by {$500.00} by doing a mortgage modification. So I Paid the 3 trial payment of XXXX Then other fees for " paperwork '' 2026 and another thousand. Now I am getting late notices and am Behind on my mortgage. I lost close to XXXX
Consumer complaint received 2023-03-31
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

Currently, my student loans has been changed to a new loan provider. From Greatlakes to Nelnet this year of XXXX. At this point, my account has been targeted for harassment. My account with the server was just recently billed from my college institution XX/XX/XXXX and so on. Every since then, I am being charged interest rates everyday. I have been checking my account every since college reimburstments went out XX/XX/XXXX to make sure I am being billed the correct amounts and that I am not being over charged. On XX/XX/XXXX, I recieved a letter from them stating that they have set the interest rates to 0 % for the month of XX/XX/XXXX through when the payment pause ends. The letter also states that they have placed my loans in a payment pause for the period of XX/XX/XXXX through the payment pause ends. I checked my account four times in during XXXX and XXXX of this year and all four times interest rates in the amount of {$68.00}. XXXX have been charged to my account between XX/XX/XXXX - today and {$290.00} more and I need it to stop.. I tried calling and was put on hold for an hour and then disconnected after waiting. At this moment, they are not taking emails or phone calls. They will not answer the phone or except any emails or messages on social media. 
Please review the websit email message. https : //nelnet.com/nelnetforms/emailus I will also like to mention that the company has a code of conduct policy they are failing to follow. https : //nelnetinc.com/code-of-conduct/ please consider. 
The new company has also been targtng my credit report score by reporting new balances as new accounts. It's dishonesty to pull my XXXX XXXX down that's been in good standard for over 12 years now and it needs to stop immediately. 
Again, my account with the new company has been targeted and monitored for harrassment, overstatements to negetively affect my credit score and loan interest rates and I need it to stop maliciously attacking my years of good reputation immediately.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my wirtten instructions
Consumer complaint received 2023-10-05
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. (PA)

I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 

I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 

Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA.

Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 

I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue. 

Sincerely, XXXX XXXX