davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2019-12-24
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. (GA)

I filed a complaint with CFPB after discovering that I was a victim of credit fraud when I realized the incorrect data on my credit report which consisted of fraudulent accounts, charges and inquiries and as a resulted lowered my credit score so low that Im not able to get credit with anyone or a loan. My credit report shows that I have eight closed accounts and some which have a higher balance than the credit limit and 4 student loans that are bring deferred and arent late. All this fraudulent or incorrect information is causing my credit to suffer.
Consumer complaint received 2019-12-24
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. (GA)

I filed a complaint with CFPB after discovering that I was a victim of credit fraud when I realized the incorrect data on my credit report which consisted of fraudulent accounts, charges and inquiries and as a resulted lowered my credit score so low that Im not able to get credit with anyone or a loan. My credit report shows that I have eight closed accounts and some which have a higher balance than the credit limit and 4 student loans that are bring deferred and arent late. All this fraudulent or incorrect information is causing my credit to suffer.
Consumer complaint received 2024-03-14
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

XX/XX/XXXX I purchased a used suv from XXXX XXXX. Down payment was XXXX cash and a trade in value XXXX. 
The price of the car was XXXX Finance by American credit acceptance. As I XX/XX/XXXX the balance is now XXXX and the interest rate is high. Ive ask why my payment sent going to the principal and I didnt get an answer. Please help
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: OKCoin USA Inc. (VA)

Dear Sir or Madam, I signed up for Okcoin.com and registered for its " {$100.00} XXXX '' promotion, under which participants were promised {$70.00} in XXXX for monthly cryptocurrency purchases of at least {$25.00}, starting between XX/XX/21 and XX/XX/21 and continuing until XX/XX/21. I adhered to the terms of the promotion, making monthly purchases of {$32.00} ( initially with a {$1.00} fee added ) throughout this term. I never received the {$70.00} in XXXX promised, which should have been deposited in my account on XX/XX/21. I have attached the promotion page, an email confirming that I set up the required monthly payments, bank records confirming those payments, and a chat transcript in which the Okcoin agent confirmed that I had adhered to the promotion terms and would receive the payment. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, someone stole {$1000.00} from my bank Wells Fargo through a XXXX account. I did not have a XXXX account, never even heard of XXXX account. 
I reported it to the fraud department as soon as I saw it on my banking statement, on XX/XX/XXXX. They said I give my username and password to this person and also my authorization. I have tried three times to get my money back and three times denied. I would appreciate any help you could give me. Thanks. 
Email address is XXXX. mail address is XXXX XXXX XXXX XXXX, NC. 
The person who got the money was XXXX XXXX from Texas.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I had a dispute with XXXX XXXX tv about canceling my service. When they charged my XXXX a 3rd month after I notified and had sevice stopped, I contacted XXXX and they investigated. XXXX then credited my account. 

I then received a collection letter from XXXX XXXX  : XXXX had sent the {$170.00} to them and someone place a delinquent payment on my credit report. 
I paid Creedence the {$170.00} with my XXXX  credit card on XX/XX/XXXX ... ... because I did not want to lower my credit score. 
In late XXXX, I contacted credit bureau and informed them this debt was paid. 
I check my credit report a few weeks later and it showed the debt was paid. 

On XX/XX/XXXX I received a letter from IC system saying I owed XXXX for the same account number as the one I paid before to XXXX 
On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX at XXXX EST. She maintained that this was still a debt owed after I informed her I already paid. She said they were going to " ruin " my credit if I did not immediately pay them {$120.00}
Consumer complaint received 2022-01-13
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 (FL)

Company disagrees with dispute and PURPOSELY put transaction back on the day statement generates .. not giving me a chance to appeal or to not have it affect my credit
Consumer complaint received 2021-03-09
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: AMERICAN EXPRESS COMPANY (NY)

Based on the attached Police report regarding a person that used my identity I have been attempting to deal with American Express on this fraudulent account. I have requested removal of this account since 2016 and I continually get form letters and no resolution. Please help resolve this once and for all. This debt is causing my unexplainable financial hardship.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2019-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

On XXXX XXXX I sent a certified debt validation letter to National Credit Adjust in regard to account number XXXX. It is now XXXX XXXX and I have not received proper proof from National Credit Adjust in reference to the above account. Being that National Credit Adjust has violated my FCDPA rights by not providing proof and ignoring my certified letter it would be lawful for this company to cease collection and delete account from all 3 credit bureaus.I have attached proof that I sent my certified debt validation letter, proof that a person in there company received my letter and the debt validation letter I sent.
Consumer complaint received 2017-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NH)

My loan was financed by XXXX XXXX XXXX XXXX and the company registered a deed with the XXXX XXXX registry. When XXXX sold the loan ( if they did XXXX, to XXXX XXXX XXXX, XXXX never registered the deed for transfer.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX {$75.00} XXXX  XXXX - {$140.00} XXXX  XXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 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 2017-09-09
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. (AZ)

Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CashMax LLC (TX)

Boost Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX //www.boostfinance.comXXXX   Boost Finance called me trying to collect money for an account that was opened as of Identity Theft. You will get a call from XXXX. The number you reach them at XXXX and the give you a claim number and state that you can pay them over the phone and that they would close out the account. Would not close out the account over the phone. Tried to serve me legal papers through a carrier. XXXX Male as I captured him on my XXXX  doorbell camera. XXXX was the person on the phone. Also associated with XXXX debt collector attorney.
Consumer complaint received 2024-03-14
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " XXXX XXXX, XXXX '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (CA)

Experian Dispute of Bankruptcy Ref # Ref # XXXX XXXX ) 1st dispute ( Verified ) XX/XX/2022 XXXX ) Request of verification XX/XX/2022 - Response by Experian Verified via XXXX Request for investigation with XXXX resulted in Deletion from report as Unverified XX/XX/2022 XXXX ) Re-dispute with Experian ( Verified XX/XX/2022 )
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MO)

My wallet was stolen from XXXX at XXXX XXXX XXXX XXXX, Kansas XXXX MO XXXX between XXXX while I was having dinner with my XXXX XXXX XXXX son. 

I reported my wallet stolen the next day to XXXX, thats when I realized my wallet was gone because I went straight home after XXXX and had no more use to look for my wallet. Police report case number is XXXX. 

Called every merchant and credit card to close accounts and issue new card. Inclusing Chase. The perpetrators tried to use all the cards in my wallet. They successfully used my XXXX card at XXXX XXXX and I was not liable for that charge. They somehow were able to use my Chase debit card at XXXX 's for {$640.00}. They did not have the pin, it was not written on the card or on a piece of paper in the wallet. I spoke with XXXX 's and the said they needed to be contacted by the police in order to do anything. The XXXX 's location is XXXX XXXX XXXX XXXX, XXXX MO XXXX ( XXXX ) XXXX. I was contacted a few days later by XXXX, Kansas police saying they found a few of my items in a stolen car. They further investigated, found the perpetrators and have video footage of them stealing my wallet from XXXX and using the card at XXXX. I was in contact with XXXX XXXX ( XXXX ) XXXX case number XXXX for auto theft. 

Chase credited me back the {$640.00} on XX/XX/XXXX. Then on XX/XX/XXXX Chase reversed the charge and I am out almost {$700.00}. I faxed Chase fraud department with the police information and everything that happened. They said there is nothing they can do since there was no bad pin tries. I want my money back.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IA)

We declared bankruptcy in 1994 and had to pay my student loans all this time as they were not dismissed. I was put on the XXXX XXXX for about 4 years and now Nivent has taken me off. I was able for 16 years to postpone my loans because I did not work after I retired. I retired at XXXX and paid my loans every month I ever worked. I am now XXXX years of age and I have a cane and I have a walker and I am very XXXX as my XXXX has gone to pot and I really am unable to work but it doesnt make any difference with this company they will not let me off the hook and they took me off the XXXX XXXX and I asked them many times to keep me on it as my husband died two years ago And he had a small pension plan which I got because he had worked all his life and that month I made more than normal. 
I have no taxable income and they still will not leave me alone. It is time for those of us that have paid all our lives when we work not to pay these student loans anymore I am needing help because nobody is helping me at this point and I live alone, and I do not have the money to pay the student loans. All my student loans are interest at this point. I really had paid them off before I retired but then they started the interest with the little bit that was the left.