davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I pulled my credit report and it showed an Amex business account with an outstanding balance. I contacted them and found out that this outstanding balance was created by a charge made that I did not authorize or make. 

Charge : XXXX XXXX XXXXXXXX - {$1800.00} Date XX/XX/XXXX Case ID # XXXX - Card Type : XXXX XXXX XXXX Preferred Guest I spoke with the disputes department who advised me to file a police report for the fraud and send them a letter to dispute the charge with a copy of the police report. I did so on XX/XX/XXXX. I called in last week to check on the status and was told that the case was closed and that they " Validated '' the charge and thus I was responsible for the amount. I asked how they verified the charge and if they had any information I could forward to the police investigator. They would not answer my questions about how they verified the charge only that they did. 

I am seeking help with resolving this matter as I do not agree that I should be responsible to pay for a charge I did not make. Thank you for your help.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

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 were not given permissible purpose or any written consent by me to inquiry on my consumer report ; furthermore I do not have any open/end account with any of these companies.
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

It says on there website that if we want to get a loan dismissed to provide proof via transcripts or a letter from the school. I provided Official transcripts from the XXXX XXXX XXXX School Board that shows that i never graduated high school and they keep saying that is not enough. There asking me to get a letter from my school that says i never graduated High school and after speaking with the high school they stated thats against the rules of the states and they can only provide a letter of my entry and exit with gpa the same my transcripts say, but the transcripts are more detail as to saying i never received a High School Diploma. I feel as if there really not trying to assist me at all.
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Bought the house in XXXX at age XXXX with no job yet after nursing school. Was an XX/XX/XXXX and time that they gave anyone and every a loan. Foreclosed around XXXX. Been stuck paying the interest bearing account that justvdoesnt go down and have not had any ties to the house in over a decade. House has been sold for over a decade.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been in the process of disputing debts stated on my credit report that are not mine. I have contacted the credit bureaus in regard to these debts and stated that they are not mine and I have no knowledge of these debts. I contacted each credit bureau on XXXX XXXX, and 13 to have these debts ( in amounts of {$580.00}, {$540.00}, {$380.00}, {$1300.00}, {$900.00}, and {$910.00} ) removed from my credit report with proof, and they are still refusing to do so. Some of these " debts '' that I have no knowledge of have even been written off and are still showing on my report as my debts.
Consumer complaint received 2020-04-10
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. (NJ)

Transunion refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but transunion and XXXX refused I was never late I had automatic paymnets
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I had a Chime acct that I had my check transfered into back in 2020. I had about {$1200.00} in my acct when one day I went to pay my rent and my card was declined. I went on to Chime mobile app and it started that my acct was closed. So I immediately attempted to call chime to dispute the whole situation well after several calls and no way of leaving a voicemail I finally got thru. When I spoke to the representative which was no help they requested that I send over a copy of my ID, social security card, and a picture of me holding my ID up. So I did, I never heard back from them I've attempted to call and was not able to speak to someone. After about two weeks I get a email that said I did not send them the info and as of right now my acct has been closed and for further action I needed to call them. Well needless to say after about 6 month of the back and forward them telling me they couldn't do anything CHIME stoled {$1200.00} from me with not one explanation.
Consumer complaint received 2022-04-13
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. (FL)

I recently submitted a request for investigation of an Acct Number : 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 XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2022-12-29
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. (IL)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2022-12-29
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. (IL)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It's been over XXXX days since I asked for an initial investigation and XXXX days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and XXXX, XXXX, and Transunion refuses to address and solve my issue. This is violation of my rights according to XXXX XXXX XXXX. Then my payments are inaccurate nor comply to XXXX XXXX XXXX nor did I give written consent.
Consumer complaint received 2022-01-07
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. (PA)

After reviewing my credit report I have noticed some unauthorized inquiries that have been placed on my file. I communicated the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. I am looking to get an home for my son and I. Im not sure who would use my identity to try to open accounts I would appreciate you guys so much with the help of removing these unauthorized inquiries off my credit report. I am excited for the milestone and I would love to be settled within the upcoming months in my new home.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX $ were transferred from the bank of America my account to someone Bank of America account. I reported this to Bank of America XX/XX/2020. 

Bank of America did primary inquiry and told me on the phone that since the IP and device the same as always. They are not going to refund the money.
Consumer complaint received 2020-04-10
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: DISCOVER BANK (CA)

Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {$35.00}. However, the item was received from Kentucky and only cost {$25.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. The credit bureaus removed this account and now have put it back on my credit report which is not fair.
Consumer complaint received 2020-04-10
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. (IL)

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, XXXX, or Transunion, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Consumer complaint received 2020-04-10
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. (IL)

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, Equifax, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Consumer complaint received 2020-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have a student loan from Navient to pay for my student expenses from XXXX College where I received an XXXX degree in XXXX  and XXXX. I have paid this loan diligently for years. In XX/XX/XXXX I started to make large payments to this loan so that I could finally pay it off. However my loan balance does not reflect this. My XXXX XXXX loan balance was {$57000.00}. I paid a total of {$23000.00} from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX yet loan balance on XX/XX/XXXX was {$41000.00}. I asked Navient why my balance did not reflect my payments and they sent me a confusing response that I did not understand, about prime numbers and fixed variables. On XX/XX/XXXX my loan balance was {$41000.00} and the next day when I checked on XX/XX/XXXX my loan balance was {$41000.00}. Which means my loan balance had increased by {$17.00}. When I queried this, they were vague and confusing, letting me know the percentages of my loan interest, which incidentally did not gel with mine. 
On the XXXX of XX/XX/XXXX and on the XXXX XX/XX/XXXX I noticed I was charged a total of {$51.00} by Navient for something called a Loan Sale. I queried them about this and as usual they gave me a confusing response that I did not understand. However they insisted that my loan was not sold.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020, I received notification from Chase to call their Fraud Department to verify a suspicious transaction. 

At that time, I spoke with a representative to confirm that I never made a purchase at {$1.00} at XXXX and have never made a purchase on that website in my life. ( I don't even own an XXXX or any other XXXX-branded products. ) He then told me it would be necessary to close out my account ending in XXXX and that a new card would be issued in 7-10 days. The new card ( now ending in XXXX ) arrived within the week. 

Today, XX/XX/XXXX, I received a letter that the fraud investigation has been completed and the original amount has been charged back to my new account ending in XXXX. The stated reason : " You have received benefit from this transaction. '' What?!?! 

So now I am being charged for a transaction which Chase previously flagged as suspicious and then, upon confirmation that I did not make it, subsequently closed my account due to this fraudulent charge - only to charge me for it 3 months later.
Consumer complaint received 2022-12-29
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. (GA)

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX  XXXX XXXX. 
MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. 
I'VE ALSO NOTICED THAT THE STAUE OF LIMITATIONS IS UP N THIS ACCOUNT FOR STATE OF IOWA. 
I REACHED OUT TO THE BUREAUS AS OF XX/XX/2022 AND FOLLOWED UP ON XX/XX/2022. I HAVE NOT RECIEVED A RESPONCE OR A STATUS UPDATE BASED ON THE INFO THAT I SHARED ABOUT THE ACCOUNT.