davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX, XXXX Original Creditor Name XXXX XXXXXXXX XXXX Balance {$5300.00} ; XXXX XXXX Original Creditor Name XXXX XXXX  Balance {$76.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$280.00}.
Consumer complaint received 2024-03-12
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. (GA)

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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-03-12
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. (GA)

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to XXXX XXXX  that this debt isnt mine and has yet to get resolved to it
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

In late XXXX XXXX, I used the loan calculator on studentaid.gov, which with my finances, said I should do a direct consolidation with SAVE as the payment plan for the lowest payment. I submitted that application. I did not hear anything. 

On XX/XX/XXXX, I received a letter from my loan servicer in the evening that I needed to reply to this letter within ten business dates of the date on the letter, or it would automatically be processed. The letter was dated XXXX They were closed when I received the letter- which was ten days after the letter was dated. 

I then called and was placed on hold and sent three emails over the next week requesting to stop the consolidation process, but it still went through. They also selected a plan which triples my student loan repayment and was not the original plan I agreed to the consolidation loan for. This is straight Bait and Switch. 

Now I have a consolidated loan which I did not authorize with a repayment plan that I can't afford.
Consumer complaint received 2023-09-09
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. (SC)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 year.

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer concerning these discrepancies as it is affecting my credit and overall quality of life.Please remove this information as you are in Violation.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I was automatically moved to the SAVE plan from REPAYE as I was supposed to be, but when my payment was recalculated it was actually higher than my payment on REPAYE. When I spoke with a MOHELA customer service agent, she calculated a lower payment as well. It does not make sense that under the new SAVE plan guidelines that I would be paying more.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

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.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] 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 ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. WHOLE ACCOUNT REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN/CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've tried constantly to dispute these accounts with this company and they are not giving me a proper settlement. It is to my understanding that they have violated multiple FCRA rules and regulations furthermore Harassing me calling about a debt that i had no connection or knowledge to. I'd like these accounts expunged from my credit profile. 
the dates are not alined on my credit profile as well as balances. This is NOT a request for an UPDATE. but a REQUEST FOR DELETION FROM MY CREDIT PROFILE.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I have been a Simple Customer and was transferred to BBVA on XX/XX/XXXX. I did receive correspondence from simple throughout the process and some from BBVA saying it would be a seamless switch. 

On XX/XX/XXXX, their system would not accept simple customers through the link they provided which left me without access to my savings accounts. 

No customer service was provided on XX/XX/XXXX to help with this transition. 

I called on XX/XX/XXXX and was told that customer service could not help me because I had started the switch on their app and the system was down. 

I called back on XX/XX/XXXX and was told that the entire online system was down so I would need to call back. 

I waited until the XXXX to call back hoping that in the week 's time they would have their system in order. I called and the lady I spoke with told me that she would have to get another dept. to call me back, I explained that I was on my lunch for 30 min and needed to take care of this before the weekend. she told me there was nothing she could do. 

I have gone 7 days without having any access to my savings accounts with no clear end in sight.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've tried constantly to dispute these accounts with this company and they are not giving me a proper settlement. It is to my understanding that they have violated multiple FCRA rules and regulations furthermore Harassing me calling about a debt that i had no connection or knowledge to. I'd like these accounts expunged from my credit profile. 
the dates are not alined on my credit profile as well as balances. This is NOT a request for an UPDATE. but a REQUEST FOR DELETION FROM MY CREDIT PROFILE.
Consumer complaint received 2023-05-03
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

The amount {$550.00} for a navy federal account that was hacked about 2 years ago. 
Ive been trying numerous to get this off my credit through navy federal and nothing had been resolved They over-drafted my checking account and credit card as well being as thought the dispute didnt get accepted/ resolved i stopped using the account all together.
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, XXXX, and Equifax. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXXXXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This company is trying to collect {$160.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX Chase Banking Prior to the Covid-19 Pandemic I booked a trip to XXXX, XXXX ( XX/XX/2020 ) through XXXX for XX/XX/2020 to finally say my vows with my husband. I paid the deposit of {$850.00} on XX/XX/2020 and another on deposit for the second XXXX on XX/XX/2020 for {$840.00} on a separate credit card. Due to Covid-19, XXXX closed its borders to international tourists until further notice. XXXX credited my account for the trip, but are now refusing to return our funds stating they do not have the tools to do so. Under their Extenuating Circumstances we qualify for a full refund due to the unforeseen events of the Pandemic, but since they have already credited my account they can not exchange it for " cash. '' Their services were never rendered and they are continuing to give me the runaround with only allowing me to speak with a representative through their online chat system. I requested a phone number to speak with a live person, but the representative refused to do so. When I finally receive a phone call after requesting my case to be escalated, I am stuck having a conversation with a Manager whose dog is continually barking in the background and telling me that they will not return my funds. My frustration stems from the fact that they have now put a time limit on when I have to use this credit otherwise I will lose it. If I had received my FULL refund, my payment would not expire. 

XXXX has given me no choice but to dispute the charges for services that were never provided due the unforeseen events of the Covid-19 Pandemic. I reached out to Chase Bank to dispute these charges in hopes that they will be able to help me in this situation. They immediately returned my funds, and informed me that they will reach out if any additional information is needed. They failed to mention that I was already outside of the 120 day timeframe for them to retrieve the funds from XXXX and I would need to provide documentation as to why I am calling to dispute now. After escalating the issue, the next Supervisor tells me that if they issued a credit to my XXXX account that it is a sufficient resolution to the problem. This is not " sufficient '' due to the timeframe that the credit has to be used by. Chase is requested documentation of the reasons why it took me 6 months to dispute the charges, but then tells me that no matter what I do, they will not investigate this any further. 

I am at a loss as to what I should do next, and I hope that this may help.