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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called 2 weeks later to follow up XXXX said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for Equifax said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes 90-120 days. I have now read all that I can regarding identify theft and I now realize that the BIG 3 bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all 3 Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I'm having issues with XXXX, XXXX, Equifax they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

Chase Visa card prints entire account number rather than just the last 4 or 5 digits on bills sent through the mail in envelopes with cellophane windows. Anybody picking up a dropped envelope can get the account and use it. ( Thieves know how to break into systems to get the security code and expiration date. ) This is therefore a needed protection. Almost every financial company except Chase has this type of protection. I'm told it's not a law, but I think it needs to be, considering that ID theft is a multi billion dollar industry!
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I have a bookkeeper who takes care of all my bills for me. She 's been with me for many, many years. I used to make a lot of money until I had my daughter and became a single mom ... .my daughter was in XXXX. It took all of my time and energy and I could barely work that year. Then the housing market crashed at the same time I could no longer pay my mortgage. I lost my house but did n't go into foreclosure thankfully, I 've always had good credit and before all of this I always paid my CCs off in full each month. 
When I had to move into a small apartment I also had to live off of my credit cards for a while because I literally was n't making enough to survive. I then cashed out my {$70000.00} retirement fund with a HUGE penalty. 
I 've been scraping by and then I think it was last year my bookkeeper says that I 'm paying around {$100.00} a month in interest for my SouthWest Rapids rewards CC. I was confused to say the least? She said I had been over the limit. 
I did n't know why or how that could happen? I remember years ago they would just " decline '' your credit card if you had reached the limit. 
And now I 'm STILL paying around {$98.00} a month EVEN THOUGH I pay OVER the minimum required each month. How can this be? How can they do that? They are literally taking so much money away from me each month. I consolidated my credit cards maybe a year and a half ago to try and get at least a year of no interest. If I had known that Southwest would not notify me or at least " decline '' the card to let me know I 'd reached the limit, I would n't be in this predicament. I mean, it 's really outrageous and I feel so hopeless about it. 
Is there anything I ca n't do or you can do? Anything? I mean, I 'm paying over the minimum each month and they are charging me a little less than half of what I 'm actually paying so then it 's like I 'm paying less than the minimum and the balance will never go down! : - ( Help! XXXX -XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (WA)

I have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted Experian about false and fraudulent addresses reported on my Credit report. Once by certified mail in XX/XX/XXXX. On 3 different occasions by phone on XX/XX/XXXX, XXXX, and XXXX, XXXX for the misleading information to be deleted from my profile. Experian has yet to delete the information requested. Therefore, I am moving forward with filing a complaint due to difficulty with communication.
Consumer complaint received 2022-02-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mobiloans, LLC (OH)

I was called on XX/XX/XXXX by a woman named XXXX XXXX, left a voicemail not identifying what agency she was working for talking about suing me and filing an order of location for me and saying she is calling my work and would attempt to locate me there. My employer called me after to notify me they received a similar message. I called the company back at the number listed and was transferred to the legal department for XXXX XXXX or XXXX XXXX XXXX. They mentioned a debt owed to a payday lender and after the call I checked they did not provide a legit date for when this became delinquent, saying XXXX, which is not accurate. They also never notified me of anything prelegal or within last 2 months stating the sent an email in XX/XX/XXXX, I did not receive any written notification. They call call proceeded poorly as the woman accused me of bank fraud and saying my case wouldnt be civil but criminal due to bad checks, I asked what would be required and stated I couldnt pay today even if I could I shouldnt as I was never notified. I proposed a settlement agreement and was placed on hold and she said my agreement would be fine if I paid today via phone for the 1st amount, I told her I couldnt pay until XXXX and offered 1 time good faith payment of lesser amount today, she declined and became very agitated raising her voice and telling me to borrow money from family to pay today or I would be served at work. I stated that wouldnt be necessary for a civil money claim and she continued to speak about criminal charges regarding this payday loan debt. Ultimately the agent hung up on me and would not accept my offer for lesser payment today. I called the payday loan company afterwards who verified they sold the debt to XXXX and that unfortunately I could not pay them directly. The collection agency rep said it was too late to request notification in writing now, although I told her I never was notified. I attempted to email after this call and am awaiting response.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (PA)

On XX/XX/2021 we received a letter from the investment firm of Charles Schwab that we had opened account with them, which we had not. We called immediately to report this to them. They took the information and directed me to their fraud department. That department is completely unwilling to tell us anything other than " no credit check is required to open these accounts so your credit freezes would not apply '' and that " once this account is open then there will be access to open bank accounts and lines of credit without a credit check ''. We then received a letter from Schwab confirming that the address had been changed from our address to the new, requested one. I again called Schwab fraud department & they refused to give me any information. They did tell me that we " would get no further correspondence from them since the address had been changed, they will conduct 'their own investigation as to IF this is a fraudulent account & they we will NOT receive notice if the account has been shut down or closed ''. We have an open police case & gave them all of this information. The detective on the case personally called & they refused to provide him the information they have, including the address that the account had been change into. Without the info Schwab has, there is not much more the detective can do. I do not see how this is ethical or legal that Schwab can withhold this information from us, the victims, and from legal authorities. We have no idea if this account is open & active or not 2 months after the fact.
Consumer complaint received 2023-02-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX # 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 2020-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Credit Services, Inc (MI)

Universal Credit Services ( UCS ) has reported to XXXX that I am owing {$380.00} in medical bills. 
The bill is in someone else 's name and the person in over XXXX. Secondly, I made a lump sum payment of {$640.00} to Universal Credit Services that possible covered that amount too, Either way, I do not owe that money and it should not be in my credit report. 

I contacted UCS several times and once spoke to a lady name XXXX and emailed her multiple times to take care of this and to date nothing has been done except she keeps telling me they are investigating. 

I believe UCS has 30 days to confirm or remove it from my report. It's been over 30 days since my initial complaint. 

I want it removed from my credit report. 

Thank you. 
XXXX
Consumer complaint received 2024-03-19
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)

Good day! I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed accounts below. 


XXXX Account XXXX : XXXX This account was misleading please remove it ASAP. 

XXXX  Account Number : XXXX Please investigate this account was DUPLICATE ACCOUNT please remove it ASAP. 

XXXX XXXX Account Number : XXXX Please UPDATE THIS ACCOUNT ASAP.
Consumer complaint received 2024-03-19
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. (MA)

I HAVE RECENTLY EXAMINED MY CONSUMER REPORT AND IDENTIFIED SOME UNAUTHORIZED INQUIRIES : XXXX : Regarding the unauthorized inquiry from XXXX on XX/XX/year>, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future TRANSUNION Regarding the unauthorized inquiry from XXXX on XX/XX/year>, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I called Experian in regards to a dispute on XXXX XX/XX/2022. Experian informed me that they do not need to get any information from the reporting company in order to verify any information that is furnished on my consumer report. If the reporting company tells them that it is verified once it is disputed, they will allow the company to report. Violating 15 USC 1681i ( a ) ( 4 ), Experian does not and will not consider my evidence. Experian stated that they do not need any proof, they take the companys word. This is a violation of 15 USC 1681i- which makes it clear that EXPERIAN MUST complete an investigation to determine if the information is accurate or inaccurate. THIS PHONE CALL IS RECORDED AND SUBMITTED WITH THIS COMPLAINT.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/23 I noticed there was a Venmo transaction of {$550.00} to XXXX XXXX which I didnt authorize. Vemon made it extremely difficult to file a claim or get in contact with a representative. after hours of searching on Venmo app, I decide to XXXX search the phone number. I finally was able to contact a representative. Explain them the situation that I forgot my phone at a restaurant for 15 minutes and didnt realize it til later and now I notice a transaction that I didnt authorize. they file a claim and decide to rule it for the receiver. I explain to the representative that Ive never sent money to this individual before I was able to contact my back to to block the transaction, but Venmo decided to push the transaction using their own money and that made my Venmo account negative. Then after that, I start receiving money from other people that sent to the wrong person. I explain to the person that they need to contact Venmo and file claim and they still have not received their money. So now those people are contacting me about the money that they were they transferred to me. now Im getting threatening phone call and harassing from those people who send the money. I need Venmo to send money back to those people.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (NC)

I could not reach out to the school because, it is permanently closed now. I attended XXXX XXXX XXXX of XXXX XXXX. I took out {$40000.00} in students loans to attend this school to in hopes of being able to enter into the restaurant industry fully knowledgeable at a high paid position. Instead I lied to about everything. From job placement as well as job pay. They did not assist in helping get a job. And when I finally was able to find a job in my field of study ( culinary ) I started out at {$9.00} an hour. This was not what was told to me when I decided to sign up and attend this school. I feel like I was sold a costly dream that put me into a big debt hole that Ive been trying to climb my way out of for years.
Consumer complaint received 2020-04-07
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX  XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-07
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. (AR)

I've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX XXXX  # XXXX, 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 2022-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (KY)

I saw this collection from Caine & Weiner on my credit file for a XXXX XXXX  claim. I mailed letters to the credit bureaus and directly to Caine & Weiner twice for debt validation. The accounts on my credit file were marked " customer disputes this account '' but Caine & Weiner never responded with any factual documentation for proof this is my obligation.
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. (NJ)

Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. Accounts should appear on my consumer report with my written permission and no other. In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.