davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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. (NJ)

This is my 5th 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 XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

I was contacted by somebody claiming to be from AFFIRM to collect a debt on a virtual card that I have already reported as fraud. AFFIRM is not acknowledging that this is fraud and I dont know if the debt collector is real or another scam.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On Friday XX/XX/XXXX 1. USAA EMAILED ME A NOTIFICATION STATING THAT MY PREVIOUS ACCOUNT ENDNING IN XXXX WAS BEING REOPEND TO ACCEPT A DEPOSIT AND FOR ACCOUNT MAINTENCE. 

2. MY CONSUMER RIGHTS HAVE BEEN VIOLATED AND USAA WILLFULLY AND KNOWINGLY COMIITED THIS ACT INTENTIONALLY DESPITE OF PREVIOUS REPREMANDS AND BREAKING THE LAW. 

3. The CFPB fined USAA Federal Savings Bank {$15.00} XXXX in XXXX for reopening closed accounts without customer authorization, among other alleged violations. Rather than reopening an account when a third party attempts to deposit or withdraw money from it, the CFPB said banks should decline the transactions.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (AZ)

I requested a forbearance XX/XX/2024. They cancelled the request a month later and told me I would have to re-request it. I did so, they then denied the request and approved a short sale, which is not needed or requested since I have equity in the home. After communicating that a short sale was not needed ort useful at all, they said to appeal the decision with an additional letter explaining what I needed. I am in need of the temporary forbearance in order to correct my situation and move forward without defaulting. They have dragged it out for almost XXXX  months now and I have had to borrow money so that I could make payments and maintain good credit. Maintaining good credit is crucial to my plan to permanently fix my temporary financial hardship and make my payments on this mortgage. At this point it seems they are attempting to cause a default rather than help to work with me on a solution. Had they worked with me on my request, I would be well on my way to a permanent solution that would allow me to make payments on this mortgage for the duration of the loan. The loan rate is 3.625 %, and there is $ XXXX in equity in the home, it appears the owner of the debt XXXX have financial motivation to not work with me for a solution.
Consumer complaint received 2023-07-06
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. (CA)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-05-27
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to XXXX. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder XXXX XXXX as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.
Consumer complaint received 2023-07-06
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-07-06
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. (AL)

This is my several complaints 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 items 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, NY XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (MD)

Last year I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of Maryland my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the Equifax experian about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still
Consumer complaint received 2024-03-30
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital one credit card venture ibhave had a incentive XXXX XXXX XXXX XXXX was hacked my ohone was locked for 4 days because of a trial I had against a known hacker and when it unlocked after having it fixed by tech support my capital one account was overdue when it was still within the time limit and instead of XXXXXXXX XXXX payment I owed XXXX XXXX XXXX XXXX I paid XXXX and now I am cornered because my other bank accounts and online accounts arent billing right either.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the XXXX XXXX, if executed outside of the XXXX XXXX ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX XXXX  punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account number : XXXX ; XXXX XXXXXXXX ; account number : XXXX ; XXXX  ; account number : 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I sent a Moneygram to XXXX XXXX to buy a car for my daughter from Texas to Iowa in the amount of XXXX. I sent this electronically from Moneygram to his savings account. Moneygram called to verify and we went over the account number to be deposited. The bank received the transaction with the incorrect account number and declined the payment. Moneygram kept my money and will not refund it. They took my money in XXXX seconds but can not credit it to my online account with them. It clearly says on my account with Moneygram that the transaction was declined.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
DP OF EDUC XXXX Balance : {$27000.00}, DP OF EDUC XXXX Balance : {$17000.00}, DP OF EDUC XXXX Balance : {$31000.00}, DP OF EDUC XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}, XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXXXXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-02
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. (GA)

Someone opened account under my name and got loan with XXXX XXXX My credit score dropped and there was past overdue from XXXX  in the amount of {$88.00} {$280.00} {$100.00} {$83.00} {$120.00} {$86.00} {$62.00} {$47.00} The date mentioned was XX/XX/2023 I filed dispute with Experian and called XXXX  but after 25 days they said its my account even the address and email is wrong on the XXXX  account.
Consumer complaint received 2022-11-21
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} ; DEPT OF EDXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY (MI)

Account name WELLS FARGO AUTO Account number XXXX To whom it may concern, I have attempted to reach wells fargo about this account several times. 
Payments were attempted before ( when I was only one payment behind ) and after repossession and they wouldnt accept anything other than the full $ XXXX balance due. When asked who had {$40000.00} laying around to pay off at once, they basically said it wasnt their issue and they would only accept full balance. At that point, I told them to come get the car because I couldnt afford {$40000.00}. Once repossessed, I attempted to contact them multiple times about the balance due, proof it had been sold and what it was sold for, etc. and to this day have never gotten anything from them. 
Wells Fargo was part of a lawsuit in 2022 for violating federal consumer laws and auto loans were part of this lawsuit. 
Wells Fargo XXXX Entitled To Billions In Settlement XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I have been struggling to get XXXX, Experian, and XXXX to update my personal information. I sent letters to all 3 bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of my requests have gone ignored. This is ridiculous! I demand that my personal information be updated immediately and all addresses are deleted from my credit report. The only address that be showing is my current residence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And please delete XXXX, I do not work there for my employer. I work for XXXX.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (CA)

received a letter from nelnet and a robo call, yesterday and this morning. STOP CONTACTING ME! YOU ARE BABNKRUPT AND HAVE COST ME MILLIONS OF DOLLARS.I WILL BE FORCLOSING ON YOU AND THE FEDERAL RESERVE IN THE XXXX RELATED BANKRUPCY PROCEEDINGS. DO NOT CONTACT ME! ADDITIONALLY YOU ARE ENGAUGED IN FRAUD, AND DISCRIMINATION, AND BRIBERY, AND MANY OTHER CRIMES. I WILL BE TESTIFYING AGAINST YOU. DO NOT CONTACT ME! CONTACT XXXX XXXX XXXX