davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
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 ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

My wife and I are separated in marriage ; I no longer live under the address when we were together. The address when under marriage, is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My personal and new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I will submit leasing contract as a document attachment. 

My wife was late in mortgage payment for the month of XX/XX/XXXX and XX/XX/XXXX to the financial company XXXX XXXX XXXX. She was late 60 days, consequently she is over XXXX XXXX  in the rears. My name is associated with this Mortgage as a co-signer, I am in the process of hiring a lawyer to assist in the divorce presidence. 

The compliant that I have with Equifax is that they deducted my credit score XXXX XXXX 
I called spoke with a customer agent, and asked why did Equifax deduct so many points from my credit file ; the spoke person told me that all they know is the points are done through a computer, and they don't know the numerical points per each derogatory reporting. 

I expressed my concern about the excessive deduction of XXXX XXXX from my ex-spouse being late on the mortgage, plus the Equifax did not take into consideration of the separation, disregarding the attachment of the leasing contract that I sent through email while I made the dispute proving that I have my own address. 

Equifax spoke person wasn't able to give me an answer in there numeric system towards to justify there score if XXXX XXXX deduction. 

My compliant is ; please release a data sheet describing each in fraction of a derogatory reporting and it's point associated with that infraction of a derogatory report, and justify their deduction of XXXX XXXX deducted for my credit reporting file.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Credit Network Inc (CA)

Financial Credit Network place a debt on my credit without properly notifying me never received a call nor a letter regarding a debt it just showed up on my credit was not afforded due process to to let the agency know I had health coverage and my insurance company should have been billed for this debt. I had a car accident in XX/XX/2019, the ambulance never asked if I had insurance and only asked for my social security number, the city never billed XXXX for the services according to XXXX as they should have, with my health care provider XXXX a year passed, and according to XXXX if they can not bill after a year ( not sure why the delay ) according to XXXX they have to swallow the bill. The bill was sent to collection since they did not exercise due process- the collection agency just placed on my credit never notifying me of any such debt, and refused to remove it from my credit unless I paid the debt of {$860.00}, that my insurance provider was suppose to pay. This company never called, never notified me just demanded payment for which I paid unjustly without due process of having 30 days to let them know that I have health coverage, my credit score went from a XXXX to a XXXX due this action. I am requesting a refund of my monies as this was unlawful and XXXX wrote a letter that I have full coverage ; this should have never been put on my credit when my insurance carrier was never billed in the first place.
Consumer complaint received 2018-11-07
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: EQUIFAX, INC. (GA)

As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unauthorized Inquiries 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 These Inquiries were run on my credit report without my consent or involvement. My personal information has been compromised, I am requesting assistance with this complaint to rectify this issue that is threatening the security of my livelihood. Please Remove. Thank You
Consumer complaint received 2018-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I have tried twice to send you this complaint and finally earlier today had a test complaint go through. 
I feel i have been scammed by Wells Fargo Bank. On XXXX XXXX someone used my Wells Fargo visa card to deposit {$6500.00} in a small business checking account my brother and I share. Then a man called me claiming to be from XXXX and said that XXXX owed me {$400.00} and in error he had deposited {$6500.00} in my account. He wanted me to go to XXXX and get {$6000.00} in gift cards. I did not fall for this scam. I reported this to the Wells Fargo Fraud Division and was told to do nothing until they investigated. I did move the {$6500.00} into my personal checking account as we did not wish to comingle funds. I was out of the country for 3 weeks and when I returned, I had a letter from the bank saying that I either made the deposit or someone who one was authorized to use the card made the deposit. No one was authorized to use the card. then I received a bill not only for the {$6500.00} but with added fees and interest. 
From XXXX until XXXX, I called the Fraud Division of Wells Fargo asking how this investigation was conducted, who the authorized user of my credit card is and that the interest and fees on my bill be voided as I had followed their instructions about not paying the {$6500.00}. On each call I was transferred to four to six people, none of whom seemed to know what to do but all told me not to pay anything until the matter was resolved.. Finally in XXXX i got another letter again saying either I or an authorized user was responsible for the {$6500.00} transfer. No questions were answered. I now supposedly owe over {$800.00} in fees and interest. I recently paid the {$6500.00} but nothing else.
Consumer complaint received 2022-03-22
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. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

I paid {$83.00} to XXXX XXXX over the phone for the rafting tour i went on, they for some reason charged me {$130.00} which i didnt agree to, i created a dispute with discover, and they origonally gave me a credit, but then they reversed it, and took the money back, charging me for more then i agreed to
Consumer complaint received 2023-01-17
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. (NV)

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (SC)

Received notice from Receivable Solution about a debt that I questioned. I sent them a request for validation including but not limited to a contract or signed authorization in concern to HIPAA violation by certified mail. Yesterday I received a letter back from them signed by XXXX XXXX. The letter including a print out with my personal information and medical costs and treatment without no signed contract or authorization with my name on it. Medical records are confidential and should not be shared with third party without the patients permission in which no permission was given. With that being said Receivable Solutions is in violation of the FDCPA and if they continue to attempt to collect this debt and report it on my credit reports they will be in further violation. Please make note of this complaint and help me to resolve this matter immediately without any further damage.
Consumer complaint received 2024-04-01
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. (PA)

I have been disputing collections that have been paid and promised to delete upon full payment. I've sent letters to Transunion on XX/XX/2024 and XX/XX/2024 to investigate these accounts and either I get a stall letter stating they believe I am working with a credit repair company or Transunion states that its reporting 100 %. My proof of identity and proof of address along with a Limited Power of Attorney have been sent with my disputes. I asked how did they come up with the results of the investigation based on 15USC 1681 ( 7 ), and they did not provide which is a violation of 15USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ) and 15 USC 1681 e ( 8 )
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 — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-03-12
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: BANCO POPULAR DE PUERTO RICO (NJ)

On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.
Consumer complaint received 2020-03-12
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. (FL)

I'm a victim of identity theft I filed a police report and sent to all credit bureaus Experian, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my Experian credit report this is fraud then recently it was put back I dispute and was not take off. XXXX XXXX XXXX original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or Experian please help resolve this matter. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, Transunion or XXXX to furnish this account ( XXXX XXXX XXXX ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

On XX/XX/XXXX, it was brought to my attention ( through the financial services office at the University of XXXX at  XXXX, where I had applied to work on a second XXXX XXXX XXXX ) that I had a loan in default status in the National Student Loan Data System.

Upon checking at studentaid.gov, it was confirmed that the XXXX  Loan was, in fact, in default. This Loan had been reconverted into a grant on XX/XX/XXXX, and so could not possibly had been in default. I contact FedLoan Servicing, the servicer of the grant, and spoke to " XXXX  '' through email ( XX/XX/XXXX, at XXXX XXXX  ), who informed me that this was an error with the NSLDS, and that I needed to contact the Department of Education. I contacted the Department of Education ( XX/XX/XXXX around XXXX XXXX ) and was informed that the Department of Education could not update the status of the loan, and that I needed to contact FedLoan to have the status corrected. I contacted FedLoan ( XX/XX/XXXX at XXXX XXXX  ) and spoke to " XXXX '', employee # XXXX. XXXX informed me that it was, in fact, a mistake on the part of FedLoan, and that the status would be updated by the end of business that day ( XXXX XXXX EST ). I checked the status again studentaid.gov at approximately XXXX XXXX   to find that the " loan '' was still listed as " in default ''. I then called FedLoan ( XX/XX/XXXX, XXXX XXXX ) and spoke to " XXXX '', employee # XXXX, who stated that she could not help me, and that she would transfer me to the XXXX  department. I was transferred to " XXXX '', employee # XXXX ( XX/XX/XXXX, XXXX XXXX  ) who stated that FedLoan could not update the status, and that I needed to contact the Department of Education in order to get the matter resolved. As I had already contacted the Dept of Ed earlier that day, and was told that FedLoan needed to update the status, I believe that I was given the " runaround ''. I am an XXXX of the XXXX XXXX XXXX, and as such am subject to XXXX  South Carolina Code of Laws Title 59 - Education Chapter 111 - SCHOLARSHIPS Section 59-111-50. Therefore, this matter being unresolved could  be the end of my career.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We are recepients of a PPP 1st Loan. We are unable to access the loan documents and are being denied a 2nd PPP Loan based upon the Lender 's Bank of America 's inability to correct their software .... We have an online account as a Paycheck Protection Program Loan - XXXX ... We have been on the phone and online since XX/XX/XXXX. 
1. XX/XX/XXXX - Telephone Call for ( 2 ) Hours with ( 2 ) Customer Service Reps 2. XX/XX/XXXX - Online to PPP BofA Account - Popup said " You have no loan connected with this account '' however, when you used the tool bar and clicked Accounts the Loan Appeared {$37.00}, XXXX XXXX. XX/XX/XXXX - Another Online attempt using the link email to our office, and were again unable to proceed.

4. XXXX, XXXX, XXXX - Again went online to XXXX XXXX where the original loan docs were submitted and received a notice that this was no longer supporting BofA Docs.?? 
4. XX/XX/XXXX - Now the Loan Applications are expiring and Bank of America still has not responded or corrected their software to accomodate submission of loan applications. 
4. Several calls to Bank of America the number provided online XXXX with no calls back or results. 

This lack of support and software for this PPP Product by Bank of America is criminal. 
We now have to figure out how to keep going after being discriminated against by Bank of America