davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX have 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 2024-04-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased a XXXX XXXX prepaid XXXX debit card on XX/XX/2024. I tried to use it at multiple merchants shortly after and it was declined every time. I called InComm on XX/XX/XXXX and they said they would send me a replacement. I received the replacement promptly, but it was also declined at multiple merchants. I called InComm again on XX/XX/XXXX and requested a refund of the card balance. InComm opened a case and said I'd receive a refund check in approx XXXX weeks. I never received the check. I called again on XX/XX/XXXX and InComm said that I hadn't sent in the required documentation, which they hadn't told me about on the XX/XX/XXXX call. At this point I feel I've spent way too much time on this issue and want a refund without having to jump through more hoops.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc. (FL)

I am unable to access my XXXX app bank account. I can not login to the application, meaning I can not access my income being paid into this account. On XX/XX/2023 I initiated an online support ticket for help with accessing my account. On the same day, I received a response from an agent named XXXX, asking for some identity verification information. I responded, same day. From there, I didnt receive a response from the company for an additional XXXX  days. The response I received was thanks for your patiencethey will be in touch very soon. During this XXXX  day period, I spent hours on the phone EACH DAY, waiting on hold on the customer service phone line. Each time, I would wait for just over XXXX hour, and the call would disconnect. No one answered these calls, ever. At this point, its been XXXX  days since my initial attempt to contact the company to resolve the issue and give me access to my account and funds. This is unacceptable, and clearly a major oversight by the company. I want access to my account, immediately.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-19
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)

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. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-26
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX CA, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXX AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I sent letters out XX/XX/2023 to XXXX, XXXX, and Equifax, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.
Consumer complaint received 2023-08-09
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. (TX)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-10-16
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. (NY)

During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX bucks on my credit card and my credit report plummeted down by 20 pts then on TransUnion I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank reports to credit bureau that I have a delinquent account. When disputed and provided documentation for ID theft, they say they will report as disputed but will not remove. When I dispute with the credit bureaus they respond with verified debt. Barclays Bank, and XXXX are ignoring consumer protection laws, police affidavits, and their own policies for accurate reporting.
Consumer complaint received 2023-11-05
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. (CT)

I have on XXXX separate occasions tried to apply for XXXX ( XXXX ) plan with servicing utilizing Studentaid.gov as well as directly with the servicer Under the instruction that it would lower my payment to XXXX. I have filled out the proper forms on studentaid.gov as well as through the servicer directly. When I last spoke with the servicer they stated that the amount I would need to pay was going to be XXXX significantly lower than the latest correspondence I received ( XXXX ). I plan to call again XXXX  morning in hopes to rectify this issue but as this is the third time doing this I would like this to be investigated.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

To the Consumer Protection Bureau, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (GA)

Dear XXXX XXXX XXXX PNC BANK, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from PNC BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-05
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. (NY)

I sent you multiple times that Im the one whos disputing this information. No third party involved or credit clinic. Lets get the record straight!!! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The acct paid in full... Also please check date opened, closed, last payment and 1st payment received and theyre not even reporting that month on my historythis is flagrant violation of FCRA laws & needs to be updated to paid/never late. There are numerous errors inc. address of record. Please verify all info is not untimely inaccurate unverifiable or incomplete. 
The information Im disputing are INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of this account and ascertain that the DATA FURNISHER had a permissible purpose : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-11-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (WA)

I called to activate my Netspend prepaid card. The rep that can barely understand because of their accent being so thick tells me that I have reached my limit on how many cards I have and to activate my new card I have to deactivate another card. She didnt tell me how many cards I had available and after every question she asked me she sent me a code to repeat back to her and I had to give my social security number in addition this is a total of four times. So with all of the thefts and fraud going on I told the rep I didnt feel comfortable giving out my social again after giving her the verification information she requested four times including the entire card number including the security code 4 separate times so I ask her will she be able to transfer the funds from my deposit account of the card she is canceling she said she could after she deactivated it. So again for the 5th time after nothing but the alleged card deactivation the rep asks me to verify a code through text tell her my social security number and provide the card number again with the three digits on the back for the fifth time after expressing my concerns about already giving each of those verification methods each four times prior. I asked to speak to a manager and the rep began speaking over me saying that in order to transfer I had to give the information again. I told her I was done doing anything further until I spoke with a manager. She puts me on hold for 15 mins and then Im transferred back to the automated system that asks me the same information that I already verified with her starting me all over again so I hang up to call back. I speak to someone immediately asking to speak with a supervisor. The rep starts telling me that I need to verify all of this information again and at this point I call to get my card activated with only having one deactivated with no activation so Im down a card and I am frustrated because again these reps are so nosey they just have to know why and go through the entire verification process after re explaining my situation. All for the rep to put me on hold for 5 minutes to to tell me there isnt a manager there right now. The final result one canceled card that I get a notification for saying that I lost a card not I have reached my limit so I am at a complete loss of the money on my card because the other was canceled under false pretenses and I still have a card that needs to be activated. So who does my legal team reach out to about reporting fraud, theft of my funds and deceptive practices? This feels like a total scam. I need immediate remedy being that now I have no way to feed the XXXX children I have here with {$0.00}. The Washington state laws on gift cards, I know they apply so I need answers especially since no one tried calling me back to complete the transaction or anything. Customer service has died and this is unacceptable!
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OK)

I applied in XXXX through the federal government for the safe income driven repayment plan I sent via USPS XXXX and through their website, written and electronic correspondence, and received no contact They have been overcharging me and month two months. This is not commensurate with my filing information or my wage income. 

I then proceeded last week, apply and resubmit the federal income driven repayment plan under the save provision and Im still being billed an incorrect amount by Nelnet The app is not working, requested electronic assistance and received no relief
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Receivables Management Partners, LLC (NC)

On XX/XX/XXXX, I had my credit pulled by a mortgage company and was told that RMP Services had put a debt on my credit report. I have no idea who this company is and why they put this debt on my credit. I havent been contacted by anyone. I would like this removed from my credit report.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (NC)

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has added two of my payments in the same month which threw off there system and I have been getting late payment notifications and harassment calls ever since. The worst part is they have ruined my credit score from 800+ to below 600. And now I can not get approved to invest in anymore real estate. I have never missed a payment and they refuse to address the problem. Next step is small claims court! **All payments have been saved and recorded since day 1 showing I have never missed a payment. All documentation is available upon request.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I do not have the funds to pay back the loans. I just have enough money to take care of my bills each month with little of nothing left over. I need help trying to take of this matter. Having my students loans forgiven would be something I would need.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (UT)

so I was looking for a retention bonus to keep my card open I talked to a rep overseas if you listen recorded call he said he could put a XXXX credit on my account XXXX miles if I spent XXXX on the account in 3 months when he presented the XXXX he never said anything about spending the XXXX so I talked to his supervisor who said they would listen to the call. so he said it would take about 3 weeks for a resolution so somehow it only took.day or so and the company said the rep did say there was a XXXX spending limit and he did not say this at all. then I called back and supervisor said he listened to it and said the same thing I was like well let me here the call and they would not let me do that because I know what he said and he did not mention this XXXX spending in order to get the XXXX credit. I have written to the coperate offices on this mater several times and they not responded to me once I sent about 3 emails to the ceo that were all unanswered. I even called the corporate offices 2 weeks ago that give me an email to send it too and they still have not answered yet I just want my XXXX credit I was promised over the phone