davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Leif Technologies Inc. (TN)

I signed up with a school called XXXX XXXX. I was told over the phone that the class I was taking only would be XXXX but it ended up resulting in XXXX. I was suppose to receive help from my school to get a job and to get help with the student services to help with my resume but no one ever replied back to me after I told them my frustrations for the school. They are now saying I have breached my contract when I was promised help with to get help from them as well.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MD)

These XXXX debt collectors are destroying my ability to get credit! This is some XXXX. I lost my Job! My wife is leaving me and my children think I'm a failure! I'm XXXX XXXX! I am a federally protected consumer! 

Pursuant to the Fair Debt Collection Practices Act 15 USC 1692g ( a ), I was not notified of this debt nor contacted 5 days prior to it being placed on my credit report. I DO NOT have any knowledge or records of this account nor do I have any contracts with Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.

Notice, congress said ANY CARD. The credit card in question is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 


1. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$11000.00} 2. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$19000.00} 3. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$3200.00} 4. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$8400.00}
Consumer complaint received 2021-04-19
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-01-30
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. (OH)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX : {$160.00} ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Balance Owed : {$780.00} ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-19
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. (OH)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it 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 impacted by the Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-04-18
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: MoneyLion Inc. (NY)

Have tried to call XXXX to report that someone took out an installment loan for {$500.00} using my social security number or with my social security number registered to their account. I can not get through to this online lender despite five or more tries. Because someone else used my social security number, I am not the client that is recognized. The loan is now delinquent and is be reflected on my credit reports, despite the fact that I did not ask for or establish a loan and my social security number is either being used in error or fraudulently. 
The loan was taken out on XX/XX/2021, according to XXXX etc. I had a fraud alert already established ( on XX/XX/XXXX ) despite this a new installment loan was issued by MoneyLion. The amount of the fraudulent installment loan is {$500.00} and the XXXX payment is delinquent by whomever fraudulently took this out.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/XXXX, I deposited a check for a friend, so I deposited a 3rd party check, the party came with me to deposit with check. The check was for {$10000.00} issued by the us treasury. The deposit of the check went great. We deposited it at the capital one bank on, XXXX XXXX XXXX XXXX XXXX, LA XXXX. The bank said that the check would take a few extra days to clear because of the amount. After a week past, capital one put a freeze on my account and never released the funds for their security reasons. The check had cleared and was now showing available in my account. The security department at capital one never allowed me access to my account again. On XX/XX/XXXX, I called to gain access to my account online, and capital one call center operator, named XXXX, said that capital one no longer wanted to do business with me and she wouldn't give me access to the account. When I asked XXXX about the XXXX account balance, she said it was already dispersed to the other party, when I told her I knew that she was lying, she then changed her story and said itll be sent when capital one decides it is time. I then told XXXX this wasn't right, she said that if I needed any other banking information to call another number. Is he told me goodbye and have a nice day.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Medical Data Systems Inc I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Medical Data Systems Inc for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.

Provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

In XXXX of 2021 I purchased a home. On XX/XX/2021 the loan was acquired by NewRez. On XX/XX/2021 I received a letter from NewRez LLC that said their records show my hazard insurance had expired and they plan to buy insurance for my property. The letter said to call them if I have questions. The phone number in the letter XXXX XXXX ) did not work. So I XXXX XXXX NewRez and called the number I found. That was for a different company, not sure the organizational structure of NewRez, but they were able to provide the number I needed.

I finally reached someone at NewRez and imagine my surprise, they had received the documentation of my insurance that very day! This was on XX/XX/XXXX. 

My complaints : 1. The phone number provided in the " debt collection letter '' is not in service. Consumer unable to call based on that.

2. Timing is really suspicious. They acquire a loan and don't get the insurance information at that time? Suspect. Then they wait a few months after acquiring to realize that there's no insurance and send a letter? What kind of business are they running? Then the documentation magically appears the very same day I phone them? Also suspicious. 

This whole thing seems pretty shady to me. Feels like they're preying on consumers who aren't going to be as diligent as I am on tracking them down and holding them accountable. 

In fairness, when I finally did reach someone they were super friendly and helpful. They provided me the date the loan was acquired, and answered all my questions, and patiently listened to my rant! Even offered to file the complaint on my behalf ( I mentioned the CFPB on the phone ) which I asked her to do. So that's great. I'm not really clear on whether the complaint she referred to was something internal at NewRez or if she meant she'd file something to the CFPB. So if CFPB received duplicate complaints, one from me and one from them, sorry! They win some points if that's the case for actually filing the thing.
Consumer complaint received 2021-04-18
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 ()

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 2021-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

On XX/XX/XXXX XXXX took XXXX and XXXX ... on XX/XX/XXXX and XX/XX/XXXX XXXX credit took XXXX XXXX in XXXX Georgia took XXXX i called the wsy 2 go card they acted like they couldn't help me get my money back and one time before my card was stolen and someone used it as credit and got over XXXX cash and i reported it to them they did nothing i need my routing and acct number they want giv me that i need them to unlock the acct so that one place can refund my money this is all the income I have im a single parent and I need this thanks GOD bless
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, Citibank mailed via US Mail a solicitation that stated : " Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' It seemed too good to be true, but I thought Citibank was a reputable firm and believed it. 

Relying on their statement above, I made purchases that I likely would not have made had Citibank not represented that no interest would be charged on the purchases. 

On my statement dated XX/XX/XXXX, Citibank has already billed me for one day 's interest - {$20.00} - on PURCHASES MADE PRIOR TO XX/XX/XXXX, and it appears that they intend to bill me about $ XXXX/month for those purchases which were represented as interest free. 

Their offer contains other confusing language which didn't seem to have any impact on their statement " '' Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' Please cause them to reverse all accrued interest on charges made XXXX and cease billing interest for same. 

I hope you are doing ok during the COVID crisis. What a nightmare this is.
Consumer complaint received 2023-03-31
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. (MD)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate inquiries from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have been diligently working to improve my credit. I have started by paying down my credit cards. One of which I paid down is first premier. I have been anxiously awaiting my score to improve from the payments I have been making and I woke up this morning to see that TransUnion has dropped my score XXXX points because of the payment?!!! Please I need to be explained to how can making more payments drop my score?!!!! I swear this credit bureaus make money from keeping people with poor credit scores low. This is disgusting and needs to be stopped. I have been paying off collections and reporting inaccuracies and its getting me no where. I want them to explain why paying off my card has caused my credit score to decrease!
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I contacted Fifth third bank requesting an early removal from my credit report since its due to drop off next year. This account has be closed since XX/XX/2015 and this company has reported to the credit bureau that i am currently 60 days late to drop my score intentionally. I requesting because of the inaccuracy that creditor be removed from my credit report immediately for falsifying information. 

Thank you XXXX XXXX
Consumer complaint received 2021-06-24
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: Lending Club Corp (CT)

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft LENDCLUB BNK Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XX/XX/2021 I deposited a XXXX check into my USAA Checking Account. The first XXXX of the deposit was made available immediately. A hold was placed on the remaining XXXX leaving my family and I stranded out of town without fuel, food, diapers or formula. XX/XX/2021 contacted USAA and requested they release the hold on the XXXX. USAA refused to release the funds and further advised they would keep the hold on the XXXX until XX/XX/2021. 
It would be reasonable to place a hold on a XXXX or XXXX check but it is certainly unreasonable to place a 7 day hold on XXXX for an electronic deposit that can easily be verified.
Consumer complaint received 2021-04-18
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. (CA)

XXXX put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my unemployment file so they have been giving me XXXX XXXX  meanwhile they sort everything out. I find it extremely unfair that XXXX would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX  and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
Consumer complaint received 2021-04-19
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. (WI)

I disputed inaccurate information and haven't got anything back within FCRA time frame of 30 days. fcra requires my credit report must be 100 % accurate.. I disputed these inaccurate errors XX/XX/2021 via certified mail with return receipts and still have yet to get a response. That is in FCRA law violation