davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (ME)

I have no job, due to the ongoing COVID-19 pandemic, with no hopes of a job coming soon. I have XXXX young children, one of which being XXXX. Sallie Mae reached an agreement with me for repaying at a lower amount, took out the agreed upon amount three months in a row, and is claiming I didn't qualify for the lowered payments and has since put my loan into delinquency, while taking a very large amount from my bank account monthly. I spoke with XXXX XXXX and t`he phone call is recorded and my bank statements coincide with the agreed upon money withdrawals. Sallie Mae claims they denied me for this lower monthly payment plan on the XX/XX/XXXX but I received no documentation of this denial and Sallie Mae followed through with automatic withdrawals of the agreed upon {$510.00} from my bank account on the agreed upon dates which was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, skipping XXXX payments and resuming the withdrawal of the XXXX dollars on XX/XX/XXXX.They continue to harass me and say I have to pay more than the {$510.00} a month that was agreed upon on XX/XX/XXXX. With no job, it has been extremely difficult to even get the money in my account for withdrawal and Sallie Mae insists I must pay them more than double the already outrageous amount we agreed on.
Consumer complaint received 2022-09-14
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. (MD)

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to Experian, XXXX, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You broke the law To whom it may concern : I would like to state that XXXX is in violation of 15 USC ( 6816 ( a ) ( 2 ).

Which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer.I the consumer never gave XXXX any written consent to report anything on my consumer report. No Consent is identity theft. I have enclosed a identity theft report which states the accounts that are being illegally reported. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) that the banking system is dependent upon fair and accordance consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me to loose faith in the banking system.If XXXX was to continue to do business with me. They should delete these inaccurate accounts off my consumer report. 

Accounts : XXXX XXXX XXXX - Late Payment - XX/XX/2021 XXXX XXXXXXXX late payment Inquiries XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

I have been a victim of a scam. I am unemployed and seeking work. I built a resume on XXXX XXXX and a company reached out for a virtual job interview. I accepted. The interview was at XXXX XX/XX/2020 and went til XXXX. I accepted the job offer and the company sent me an employee letter and XXXX to fill out. They sent a check over night for me to deposit and this would be used as my start up equipment. I was to begin training immediately after receiving my equipment. The check was deposited on XX/XX/XXXX. I was required to pay, using the funds once the check was cleared, to a trusted vendor that would send me all the programs needed already downloaded on the laptop. My bank has said theres nothing they can do once I started to suspect anything and XXXX has only sent an email saying they are not responsible. Hours after this happened while I was on hold with my bank for 1 hour I was losing access to mobile banking. Since I am unemployed and have only the government funds I receive for unemployment I now am required to use that money to live off of and start making payments to my bank for the transaction. I am upset because I disputed these transactions and us bank ran an investigation which no one contacted me to inquire about this and they do not have all the details so how did they complete the investigation? XXXX needs to take out their main add that they are backed by big banks so its safer than XXXX. And the banks need to help us as our financial institution. The scammers are getting too good for everyone to know how to handle these situations. Disappointed in everyone involved with this.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 2020-12-28
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. (NV)

I have attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX XXXX. Attempts to verify this account with Experian have been fruitful. The other two credit bureau 's, XXXX and XXXX were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. 

I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit file.
Consumer complaint received 2023-12-04
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I sent a wire transfer with Chase JP Morgan on XX/XX/XXXX to XXXX XXXX XXXX in XXXX XXXX account # XXXX Beneficiary Agentes XXXX XXXX XXXX, XXXX XXXX XXXX, for the amount of {$18000.00} XXXX dollars. 
I sent this money to pay off a timeshare but they never received the transfer. I went to the back and tried to open an trace or investigation with the fraud department but they are not answering the phones at all. email was sent through the app but no response yet. 

As per XXXX XXXX the wire transfer takes about 10 days to clear on the beneficiary account and is only been 7 days. email was sent to start an investigation on their end as well.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from having this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-10-02
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. (NM)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX XXXXn has an unwritten 'no cancellation ' policy, even in cases in which they rescheduled a furniture delivery 4 times. I must have placed at least a dozen calls to XXXX XXXX to cancel a dining room table called the " Benchwright Black Oak '' because the order was placed in XXXX of XXXX but eventually, was not going to be delivered until late XX/XX/XXXX. In XXXX of XXXX, I was getting ready to make a move to a new state and I thought I would reorder it there. Every phone call to customer service indicated that my cancellation of the order was legitimate, yet I kept receiving alerts of the order being 'moved out ' with the delivery as though it was still scheduled. I would call to cancel again, only to learn that no cancellation had occurred. There was no confirmation # or any kind of control #, so it couldn't be determined by me, the customer, whether the cancellation went through or not. Still, alerts of the delivery kept coming in on my Email and text. So first, I'd like to make the point that there are NO CANCELLATIONS WITH XXXX XXXX, ever. They should make that abundantly clear on catalogue items ( not special or custom orders ) at time of purchase. This was a catalogue item. So eitheXXXX XXXX XXXX has no warehousing options because their containers are unloaded and go straight to distribution for delivery. The end result is that I've been hit with a very large shipping, set-up, surcharge and tax fee for a delivery which never took place. XXXX XXXX XXXX Complaint XXXX XXXX did nothing to resolve this charge of {$510.00} with Capital One, XXXX XXXX XXXX new financial institution as of XXXX of XXXX, when filed on XXXX XXXX, XXXX. The original order was invoiced on order # XXXX and refunded on XXXX XXXX, XXXX. But the shipping, set-up fee, surcharges and taxes were still billed by Capital One since they would not reverse this charge for non-shipment of the dining table. If I read something recently correctly, after 2 attempts by a merchant to reschedule a delivery, I believe under the FTC that a customer has the 'right ' to cancel an order. In order to maintain my credit card in good standing, I've been paying the minimum monthly balance of {$29.00}.
Consumer complaint received 2020-03-02
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

I had sent out dispute letters regarding accounts on XXXX XXXX, XXXX to fix the inaccurate information on my credit report. 

1. Late payments were added to one of the closed accounts which the account was closed on XX/XX/XXXX. 

2. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 3. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 4. The Date of Last Activity of the account is reported differently. 
XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX
Consumer complaint received 2020-06-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted 2 disputes to this company on or around XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX results came back that they refused to reopen an investigation due to me pervious disputing. XX/XX/XXXX I resubmitted a dispute letter as ask explaining my reason for reinvestigation with proof that the verification didn't actually take place and supporting documents as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court XXXX XXXX has disclosed they do not report or verify to any credit reporting agency.
Consumer complaint received 2019-12-11
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. (MS)

Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXXXXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXXXXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.