davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

All 6 student loans accounts on XXXX is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. XX/XX/XXXX reporting XXXX '' on all 6 Dept Of ED/NAVIENT Accounts, which is very inconsistent from XX/XX/XXXX Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on XXXX reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.
Consumer complaint received 2021-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (FL)

I have reason to believe that Marcus by Goldman Sachs is engaging in predatory lending. The reason for my beliefs is that I recieved a loan from them a couple of years ago. At the time they gave me the loan they did not tell me that they were going to charge me an outrageous amount for the interest. I have paid over {$5800.00} on a XXXX loan and I still owe them XXXX. I have communicate to them that I am having diffuculties making the payment they want of XXXX a month and instead been paying XXXX a month. The have retaliated by damaging my credit to the point of my credit being unfavorable. Can you please assist me with getting them to lower the interest on my loan and allowing me to pay XXXX month due to the pandemic. Thank you.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I don't recall having a contractual relationship with this collection company RENTRECOVERYSOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-01-04
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. (MD)

Transunion is reporting inaccurate information on my credit report and i requested an investigation and correction and they are refusing to do so i have attached the document i was sent refusing to investigate also i would like their method of verification, their source, also reason why its there on MY report
Consumer complaint received 2022-11-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (AZ)

i was going thru a company XXXX XXXX to get help on making my payments so on XX/XX/XXXX i received a letter in the mail about my payments is said to sign the paper work so that way i can keep my house so i did send it back and so then i received a email from XXXX XXXX saying i got denied bc i was put on forbearance on my mortgage so i called and trying to find out whats going on no one could help me they are all being rude so i asked for a manager or a supervisor and i was told they dont get on the phones and talk to costumers i was trying to find out why i was told b/c i dont have a valid reason to talk to one this was on XX/XX/XXXX and so they finally transfer me to a manager his name was XXXX so then he said he will look in to this and get back to me before XXXX bc this was at XXXX in the morning so then i waited no calls at all till XX/XX/XXXX i received a call from XXXX she told me she was from lost mitigation and so i asked her who was the guy i talk to on Monday and then i hear hold music so i said ok ill wait so i did then she hu the phone so i called back at XXXX on XX/XX/XXXX and i spoke to the manager his name was XXXX so then i asked what happened to the call and did he ever find out who put me on forbearance and why was i put on that without anyone calling me and approving that he said oh i was sick o i left early. and then i asked him if he was a manager like he said he was he said no he is a sr rep i asked him why is he miss representing himself he said he is not manager and supervisors dont take any Calles and they won't talk to me i asked him i need to find out who put me on forbearance and why was i put on that if the XXXX XXXX was calling to make payments he said he does not know he has not got anything back i asked what did he do to get that he said nothing bc he was sick i then asked for a supervisor he said they dont have one and so i advised him then i will make sure they call me after i file this complaint and ended the call. and i attached the letter i got from XXXX XXXX bc someone put me on forbearance, and they won't help or pay anything bc of the forbearance on the acct till XXXX of XXXX that i never asked for
Consumer complaint received 2023-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp. (CA)

XXXX XXXX XXXX XXXX  reported a collection on XX/XX/XXXX amounting to {$12000.00}, then sold of the debt to a collection agency as a charge off with an amount owed of {$7500.00} balance as of XX/XX/XXXX. This account was closed off with a balance that still affects my credit score. I have reported the account as Identity theft to the police department and the FTC
Consumer complaint received 2023-11-09
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX  XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 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.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

I'VE CONTACTED ALL 3 BUREAUS AND XXXX XXXX XXXX AND ENHANCED RECOVERY/XXXX TO VERIFY THIS DEBT ATTACHED TO MY CREDIT REPORTS AN NO SIGNATURE NOR CONTRACT WAS PROVIDED TO ME. THESE 2 DEBTS HAVE BEEN REMOVED SEVERAL TIMES FROM MY REPORTS ONLY TO BE PLACED BACK ON MY REPORTS WITHOUT NOTIFYING ME.
Consumer complaint received 2023-12-08
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: JPMORGAN CHASE & CO. (NY)

I will attach pdf file I reported to XXXX These inquiries are not authorized. This is fraudulent and request to have the following inquiries removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-06
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. (MI)

( XXXX. XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My name is XXXX XXXX, XXXX : XXXX ; I am from XXXX XXXX and I was a XXXX in the XXXX in XXXX studying at XXXX XXXX XXXX 

I am reporting an unauthorized transactions from XXXX different ATM cards that I own from a Bank in my country XXXX  XXXX called : " XXXX XXXX ''. Those transactions were done without my knowledge or my permission ( I have been stolen ). I traveled with my family to Florida in XXXX, and most of the withdrawals were in Florida except XXXX or XXXX withdrawals were in Virginia, XXXX have attached a PDF file with details of each transactions from each card. The transactions were unauthorized withdrawals from each ATM card at the same day & time every day ( It was not me ). I contacted the XXXX Banks to provide me with any information, however, there was no response or answer. I also contacted the XXXXXXXX XXXX " XXXXXXXX XXXX  '', and they said they can't know. I, therefore, contacted XXXX, FL Police based on their official website to check the recorded videos, I attached my photo to match the Video with my photo, and I sent them all the details even pictures of the ATM cards along with PDF file with transactions ; however, there was a response from an email ending with XXXX NOT XXXX ( I attached a picture of their response with their email ) and there was no action or response or any investigations. Each withdrawal was {$1000.00} from each card every day at the same date & time. The one who withdrew the money has activated XXXX XXXX in his Phone because I recieved a text message from my Bank in XXXX XXXX stating that XXXX XXXX was activated, but not by me. 

All I need is only XXXX of the one who withdrew the money which was around {$13000.00} or more, then will decide what to do next. 
I am currently in my home country, please help me clarifying everything. 

My name : XXXX XXXX XXXX My Social Security Number : XXXX My Cell # : XXXX My Official email : XXXX My public email : XXXX XXXX ATM card : Name : XXXX XXXX ATM card # : XXXX Expiration date : XX/XX/XXXX Number at the back : XXXX XXXX ATM card : Name : XXXX XXXX ATM card # : XXXX Expiration date : XX/XX/XXXX Number at the back : XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (TN)

My driver 's license was stolen back in XXXX, and several bank account ( s ) were opened without my knowledge, and fake check ( s ) were deposited into said account w/o my knowledge. 

My personal number was XXXX XXXX  back in XXXX of XXXX, so I had to file a police report, and include a FTC ID Theft report with all of the account ( s ) that are fraud, and a notice to furnisher ( s ) as required by the FTC. 

I've gotten letters from the FBI Victim Services team, whom help me prepare the FTC ID Theft Report. 

Attached is the 4 total ID Theft reports ( each one has 5 bank accounts- FTC 's max per report )
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I had a fraudulent charge on my account with Chime on XX/XX/2023 for {$250.00} from some company called XXXX XXXX XXXX. As soon as I noticed the charge I turned off transactions, contacted the company to demand a refund which they were reluctant to provide me information on the charge and were near impossible to even get ahold of. I then I reached out to chime about it and was informed that they showed the company had issued and refund and suggested I wait on the refund to go through. On XX/XX/2023 I reached back out to chime to get an update and they informed me that the company had refunded and then recharged the {$250.00} from my account twice, none of which showed up on my account transaction history. The debit card in question has been locked since the initial charge took place, so I asked chime customer support why they were able to redebit the card that had been locked and why none of this showed up in my transaction history, to which they just kept saying were sorry for the inconvenience and couldnt provide me the information of it being credited back to my account and then withdrawn again. I have moved forward with disputing the charge in an attempt to get my stolen money back from a company that from everything I can find doesnt exist and so far chime customer service has given me no answers beyond were sorry for the inconvenience, well investigate. I have been in contact with them from the moment I noticed the issue and they have done absolutely nothing to help me solve it beyond tell me just wait for the refund that they are now telling me isnt going by to come. I dont understand why this has been such a drawn out process when they could have blocked all access from that company to withdraw from the card that has been locked since the initial fraudulent transaction.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Within my equifax credit report I have a hard inquiry from XX/XX/2011 that has an incorrect name that I did not make. The inquiry is 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 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

I on a fixed in and the loan amount is XXXX XXXX  I have been paying XXXX XXXX  every month for over a year and I still own them XXXX. The loan amount has not changed no matter how much I pay over this XXXX dollar amount, plus then my account was hack and I am trying to get that fixed I got a letter from them titlemax but that letter didnt keep my accounts from getting hack the hacker had all my information they got from them
Consumer complaint received 2022-11-26
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-09
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. (PA)

In accordance with fair credit reporting act.This creditor has violated my rights. Under 15 US C 1681 section 602 states that I have the right to privacy. 15 US C 1681 section 604A Section 2 it also state that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2023-04-11
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. (MD)

XXXX, XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. Attached is the cashed check with the agreement of being cashed debt will be XXXX and removed from my credit report
Consumer complaint received 2022-11-26
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I received a copy of my credit report on XX/XX/2022 and to my surprise I notice that XXXX XXXX  has been added back on to my Equifax report. I requested the method of validation & verification of this account & disputed the completeness and accuracy on XX/XX/2022 and the account was removed XX/XX/2022. I'm confused as to why this item has popped back on to my report. 

Please see attached paper trail, Initial dispute, proof of removal, proof of reinsertion, and my most recent XXXX XXXX report which shows NO XXXX reporting and Equifax states that they get their public record information from this third party furnisher. 

Under the FCRA, an item can not be reinserted on to my credit report without written notice by a credit bureau to me within 5 business days of the reinsertion. I've received no such letter and would like for this item to be deleted again as this is a violation of my rights under 15 USC 1681i. 

Upon deleting this account please send me an updated copy of my credit report to my address listed above.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER ( XXXX [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION DELETE FROM PRFILE PLEASE ASAP ]
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I have been with PayPal for over 10 years. In XXXX it looks like my account was hacked with PayPal and an international bank account was added to my account. They awhile and I did not notice. I transferred XXXX and also transferred XXXX they changed my bank to theirs so over XXXX is in the international XXXX XXXX  XXXX XXXX When I called no one spoke XXXX and I was sent an email. The man XXXX said they do not keep any personal information on their accounts. I looked up this bank and the FDIC has flagged them as scams and say to be warmed for international transfers. PayPal refuses to reimburse me or open the investigation because they are saying my IP addresses are being used to log in so it appears to be me but isn't. I am filing all the complaints I can because I only have 10 days to make this appeal. this bank is completely fake. No one will speak to me or help me.