davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Neon Newco Corporation (NY)

Netspend corporation is stealing money from it's consumers. I have gotten charged today XXXX dollars in overdraft fees for a accidental XXXX dollar overdraft and they tell me it's what I signed up for they have been doing the every payday doesnt matter how much I wh and plead and I am tryinto get my direct deposits stopped by I can't be get anyone on the phone that's help due to saffing isues. I keep calling them ... as I do I get charged more " service fees '' They are robbing me blind and I'm close to living on the streets with my XXXX XXXX  XXXX  because of covid 19 and I can not stop crying. They won't stop robbing me blind pleas help me. Stop them from doing this to others! They are scammers! I'm so hurt and angry and almost homeless because of them I can't put food on the table the week I had to go to a local food pantry.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern Dear chase I tried contacting you or waited for for the lady who called me a few days ago but she never called me back. Im very disappointed at whats going on just today chase has put in my account negative and want me to return the credits given to me. I lost my wallet at a public transportation train station and have no knowledge on who took and stole my black leather wallet as I was in the train I believe as I walk through the ramp I had my one ticket pass. There was people there with me we were sitting keeping distance there were few people standing and some were sitted. And skipping a few seats. As I disputed I was never contacted by chase to give them a police report number lady said if they needed more info I would be contacted that never happen I called back to give them The police report number given to me. The lady was very nice and help me dispute the unauthorized transaction and atm withdrawals. I was told I would be receiving some type of affidavit forms thru mail but I never received any document to fill in I didnt received any document to fill out and send back to chase or emails. I am thankful that they gave me the credits while the investigation was processing I want to say It was weird as I didnt get any affidavit forms or documents I also said if I had to print them out my self the nice lady said she did everything for me. I called several times for updates and to ask that I had not received any documents to fill in the affidavits. And provide them with the police report number. The police report was given to the lady. There was more than XXXX  or more of unauthorized usage. Not XXXX like the police agent said in the report I had gotten in touch with him to correct that. With this corona virus going on Im not allowed to step in any police station but I do have there number to called. I have no knowledge of who have taken my wallet I had my driver license and I had my school if from XXXX the school ID numbers were XXXX and my pin were the last 4 which was XXXX I never wrote my pin on any cards or debit card or paper Im assuming they guess it by looking at my school ID and guess the number pin correct. I. Any accused any one because I have no knowledge who took it if it was a women or man or group of random people. The time waiting to reach a representative thru chase was very poor high demands to wait almost 1 hr or longer than 50 min or 40 to talk to the fraud department or regular representative.
Consumer complaint received 2020-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

RECEIVABLE COLLECTION, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, and XXXX all violated my consumer rights to privacy under The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

These rights were also violated under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX - balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Consumer complaint received 2021-06-30
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 (OH)

I opened a PayPal account for a way to have money direct deposited to me. And was successful. But after receiving those funds PayPal limited my account. I tried to provide the information they asked for but they then sent me a message saying I was no longer able to use PayPal. And now they dont give me the ability to provide any info and they also are holding XXXX $ of my money Numerous phone calls and messages and no resolution. Please help. XXXX XXXX
Consumer complaint received 2020-12-29
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!
Consumer complaint received 2020-12-28
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. (FL)

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-12-28
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-10-27
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. (NJ)

I've reported that my personal address is wrong to Experian and they have failed to correct it. They have only responded that the addresses is correct and it is not correct. I have placed a fraud alert on my account because of the credit bureau leak. I have lived at my current addresss for XXXX years. I need any other address removed. 

Please remove these address, they are not my personal address. 
XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX DE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX My current personal address for XXXX years now is XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you XXXX XXXX
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (CA)

I reached out to Equifax on XXXX/XXXX/202 regarding my personal credit file. After waiting on hold to reach The office of Consumer Affairs over an hour I got a rep by the name of XXXX from the XXXX who attempted to service my file but was unable to because of a note in the system that says my file can only be handled by the XXXX office. He tried to help for over an hour with zero success due to the notes and the restrictions that are placed by the XXXX XXXX. 

One XX/XX/2020 I reached out to Equifax again regarding a fraud alert. I was placed on hold for over an hour and half before I was able to speak to someone from the XXXX XXXX. Once the rep got on the phone I clearly explained how I need to either add a phone number to my credit file or have the fraud alert removed due to issues it was causing me in obtaining credit. The rep I spoke to her name was XXXX. 

She started the call extremely rude and being very condescending to any thing I said. I asked very simple questions about hold times and is it a better way to reach the XXXX she was rude and very snappy. Then when I asked for assistance to remove a fraud alert she told me I needed to send in drivers license and social Secuirty card. I had explained to her I just mailed my drivers license and social card to Equifax within the last few weeks. She totally ignored that and said she wouldn't help unless I resent it in. Equifax continues to mishandle my file and allow rude unprofessional workers service us customers.
Consumer complaint received 2017-11-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I was in contact with the Department of Veteran Affairs and Caliber Home Loan,  and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well. 



In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.
Consumer complaint received 2020-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Before XX/XX/XXXX, I found out about the Borrower Defense for my federal student loans. I submitted the application and I'm stuck in the process to get my loans from XXXX forgiven. XXXX is a school I went to in XXXX and graduated in XXXX. A school I attended and was misled about the education, job placement, and whether or not the school was accredited. 3 loans I got were private loans because I was misled by XXXX XXXX financial aid department to sign. 

Well, as I had trouble finding a job after XXXX, I went back to XXXX. I graduated from XXXX and thanks to XXXX being an accredited university my job outlook was better. However, the private loans I got from XXXX did me wrong. They were calling and harassing me while I was in school. I admit, I did not know what I was signing when I was at XXXX, but some of the private loans said I " may '' get the in-school deferment. The private loans from XXXX was coming after me while I was attending XXXX. I fought and wrestled with them, and they even took me to cook which the judge couldn't make a ruling because XXXX private loan people did not show up to court. XXXX private loans were trying to force me to pay even before I graduated from XXXX. I'm sure employers saw this on my record. 

XXXX closed.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have had an account with PayPay for over 10 years and until recently there have been no issues. On Friday XX/XX/XXXX a payment in the amount of {$190.00} was sent to me via XXXX. Unfortunately, the funds were put on hold by Paypal for a period of 21 days based on random audit of the transaction. Both myself the sender have made several attempts to meet PayPals expectations with no success and being told that funds will not be release until XX/XX/XXXX. 

I have also provided emails communications from the seller identifying they have send the funds and don't understand why the payment is on hold ( see attachment ).
Consumer complaint received 2020-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

on XX/XX/XXXX I woke to find my car had been vandalized. Stolen from my vehicle was personal property and my wallet. upon finding my wallet was stolen I made appropriate steps to get a duplicate license and cancel my bank cards. Fast forward to XX/XX/XXXX I was summonsed to court about a credit debt that I knew nothing about. I called the courthouses and Midland credit in an effort to ascertain anything that said I opened the account. XXXX XXXX  claimed the account was opened on XX/XX/XXXX but when I asked for something with my signature on it they said the no longer have the information as it was passed on. I then called Midland Funding who could not provide that either that the courts had it, so I contacted the courts and they don't have it either. I was also told that a payment was last made on XX/XX/XXXX so I asked for any information on the payment ( ie check, bank etc ) and nothing could be provided as well. I do not remember opening this account and simply have asked for any proof that it is mine. No one could provide any of that.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX  Account Number : XXXX