davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (WA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Friday XX/XX/XXXX at XXXX XXXX. C.S.T. My wife, XXXX XXXX, who is on the account, deposted {$950.00} Cash at an ATM located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, United States. The ATM had just gotten repaired by a repair tech. She was in the other line, and he flagged her to come over. She asked if it was good to go and he said yes. He watched as she deposted {$950.00} Cash. There were FOUR {$100.00} bills, and the rest was {$20.00} and one {$10.00} bill. During the deposit, the ATM machined malfunctioned and the repair tech said, " that's not supposed to happen ''. The cash did not deposit to our account. The ATM did not produce a receipt or any paper document stating what happened. The repair tech said he will put the money aside to a separate area inside the ATM room so it can be deposited/ returned by a Capital One employee. My wife called me, XXXX XXXX, the husband and I left work early to come assist with the situation. The repair was locked inside the room and would not come out to talk. I could see he had the ATM pulled open from the back and was on the phone with someone. A short time after, another repair tech came up and spoke to us. He said he can not return the money, or take our information because he works for capital one, not me. While there, I called capital one and made a claim. The number is XXXX. Since then the only correspondence I have received is an email stating they are working on the claim. This is the most unprofessional experience I have ever gone through. Capital one is not helping resolve the issue. Someone should have already gone to that ATM and gotten our money out. It has been 4 days since the incident and not one person has reached out to us. At this point, I consider it stolen.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I graduated in XX/XX/2023. Therefore, I am legally entitled to a grace period terminating on XX/XX/2023, for my direct loans. Similarly, I am legally entitled to a deferment for my XXXX XXXX loans terminating on XX/XX/2023. 

I have ten outstanding federal loans with my loan servicer, Aidvantage. Nine of those loans were successfully marked as being in deferment and/or in their grace period. However, one loan was not listed as being in deferment and showed a payment due. On XX/XX/XXXX, I called regarding the erroneous loan status. They told me they requested a ticket and it should be fixed in a week. 

I called a week later on XX/XX/2023, as the error on my account was STILL not fixed. Instead of offering assistance, or rectifying the situation, the customer service agent told ME to have patience with the agency and to expect the issue to be corrected by XX/XX/2023. I requested to speak to her supervisor in an attempt to expedite the fix, but I was placed on a long hold before the call was intentionally terminated. 

I checked and as of this morning, all of my loans have been pulled out of their grace period/ deferment status and ALL are displaying a payment due in two weeks. I'm not sure if this is some retaliation for my persistent calling, or if this is simply yet again another error with Aidvantage 's service. 

I feel so helpless, so frustrated, and so taken advantage of. I am a former homeless youth. I was forced to take out Federal loans as the only option to pay for school, and now I have been violated by predatory loan servicers ( on top of grotesque interest rates ) at the hands of the Federal government. This was an error on my account, entirely the fault of the servicer, and now my credit is going to take a hit. This is so unbelievably wrong.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-09
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

I am writing to dispute the validity of a collection account that has appeared on my credit report. The account is listed with account number XXXX, and I have no knowledge of this account. It has come to my attention that this account is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ), I have the right to request detailed information regarding this alleged debt. Specifically, I request the following : 1. The original contract or agreement pertaining to this account, along with any application bearing my wet signature.

2. Documentation proving that I am responsible for this debt.

3. The complete account history and transaction records associated with this account.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (TX)

Today XXXX. XXXX, 2023 tried to look up credit report on Credit Karma through XXXX and my social security number and address not matching my name. I do believe there was an identity theft and worried cause I'm unable to apply for anything. Would like to fix my credit.
Consumer complaint received 2022-12-09
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (TX)

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 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 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-03
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has taken more than {$500.00} in overdraft fees in the past week, causing my account to be more than XXXX $ in the red. Wells Fargo also keeps charging me interest on the credit card, while continuing to charge me overdraft fees. I don't understand how predatory a company can be while continuing to XXXX my account. I've contacted Wells Fargo multiple times and have found no resolution. They have taken money from my XXXX income, my grants from work for electric bills, etc, etc.
Consumer complaint received 2024-04-05
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. (DE)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC had purchased an account that had been opened using my information without my knowledge and they did so twice. They purchased the accounts from XXXX XXXX Bank XXXX. One has a balance of {$480.00} as of writing this and was opened on XX/XX/XXXX. Its status states that it is a Collections Account and {$480.00} past due as of XX/XX/XXXX. Another account that they had purchased from XXXX XXXX Bank XXXX. was opened on XX/XX/XXXX. It has a current balance of {$660.00}. The type of the account states it is a XXXX XXXX. The status of the account states it is a Collections Account and {$660.00} past due as of XX/XX/XXXX. I have filed a dispute against these accounts as they are fraud. I have never utilized or personally opened a line of credit of any kind at any point.
Consumer complaint received 2023-03-25
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: BMO Bank, N.A. (CA)

Bank of the West ... incorrect display credit history ... .late payments, non accurate, dates and circunstances... ..they provoke " late payments '' to collect " garbage '' fees ... .Please help me
Consumer complaint received 2023-10-03
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX Account 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 instructions
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I filled out and processed a Legal Residence Exemption form with the Tax Auditor of XXXX XXXX, South Carolina in XXXX or XX/XX/2023. A check was made out to XXXX by XXXX XXXX in the amount of {$1500.00} and processed on XX/XX/2023. At that point, my mortgage should have been greatly reduced and any amount I overpaid refunded to me. I requested that Carrington Mortgage correct the escrow to reflect my new tax rate. I received a letter in the mail yesterday that the check for {$1500.00} had been returned to my financial institution. I don't understand how a check from a Tax Auditor could have insuffecient funds. I have been dealing with XXXX ( my previous Mortgage company before it was transferred ) and Carrington Mortgage on this issue since XXXX and nothing has been resolved! I am beyond stressed and frustrated at this point.
Consumer complaint received 2023-10-03
Product: Credit 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: Experian Information Solutions Inc. (TN)

A charge for XXXX was debited on my XXXX XXXX card from CONSUMERINFO.COM for Experian. I disputed this charge last year, yet Experian/Consumerinfocom continues to draft my credit cardaccount. 

I contacted the above reference companies ( I have contact numbers for both Experian and Consumerinfo.com, yet both organizations are playing a bait and switch in disavowing that they generated the charge and requiring copious amounts of information to " research '' the issue even though they both acknowledge that the payment has been processed. 

Prior to filing this dispute, i briefly read where there was a judgment entered against Experian for unauthorized charges on client accounts. XXXX XXXX suggested that i reach out to consumerinfocom directly- which I have done. Neither Experian, consumerinfocom nor XXXX XXXX ( regretfully ) wants to provide an support in getting this issue resolved.