davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (PA)

I am requesting an immediate stop any and all deductions from my checks in regards to wage garnishment. I was not properly notified and allotted the correct amount of time to put together a plan of repayment before deductions began based on XXXX Administrative wage, article ( e ) sections : 1, 2, 3. This is with regards to my Federal Date of order : XX/XX/XXXX Date mailed to employer : XX/XX/XXXX US Postage date : XX/XX/XXXX Date received : between : XX/XX/XXXX XX/XX/XXXX - Based on XXXX website : money was deducted from my wages on XX/XX/XXXX for {$65.00} This should not have happened this quick. Any further deductions should cease until further notice. I am in the process of having an attorney review this as well. I appreciate your help with this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been working on rehabilitation of my Great lakes Higher Education loan..they had a wage garnishment in place. I contacted them before they started to take the money out of my check and set up payment plan. They day they take money out of my personal checking account, they still took the money out of my check. which ( in an email i had that stated that should not have gone through. I am trying to pay it back but i can not have XXXX different deductions of 15 % each of my disposable income. I have XXXX children and if we will not survive. I am trying anything to prevent filing bankruptcy. Thats why i consolidated and putting together an affordable plan. but if they do not allow me proper time and work with me. Why am I expected to do the same and they have power to XXXX me out of my funds. Wage garnishment should be illegal, it forces people to quite their jobs and do illegal things, which could be prevented by not diving into someones pockets to ruin their lives.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX XXXX. Please have XXXX XXXX XXXX remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Consumer complaint received 2022-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TN)

Greetings On XXXX XXXX, XXXX I purchased a gold coin from the XXXX XXXX online using my XXXX credit card. 
A package was delivered on XXXX XXXX, XXXX. I have a copy of the delivery verification from XXXX. However, when it was delivered the person ( my spouse ) who received the package claims that she did not sign for the package. She did receive the package though. The document that I have regarding the package does have a signature for the package but my spouse claims it is not her signature. 

The package remained unopened until I could set up an account with XXXX, a coin grading company. As soon as the XXXX account was established, I forwarded the package received from XXXX still unopened to them in Florida. Soon afterward I was contacted by a XXXX XXXX XXXX from XXXX ( XXXX ) informing me that the package I sent him was empty, there was no gold coin in the package sent from the XXXX XXXX. He verified this with photos and email contact. 

I was completely dumbfounded at this point. 

I contacted XXXXXXXX XXXX XXXX  to dispute the charge and apparently it was resolved quickly in XX/XX/XXXX in my favor though I don't remember receiving any confirmation of this. 

Within the past month now, XX/XX/XXXX, I have received notification from CBE Group regarding this episode claiming that I owe them {$3200.00}. as a debt to be paid. {$2400.00} for the coin and {$740.00} for administrative costs. 

I have contacted XXXX again regarding this manner over the past week and they claim that the dispute was resolved in XX/XX/XXXX in my favor. They also claim today that the XXXX XXXX admits fault regarding the transaction. They are sending me copies of the details ( I hope ) regarding the matter. It will take a few days to receive them. 

I have the option to dispute this transaction with CBE Group until XX/XX/XXXX. I do plan to do that but hope you can help guide me with options. Contacting anyone directly involves at least one hour of my time with any party involved; XXXX XXXX, XXXX, XXXX, CBE Group, or XXXX.
Consumer complaint received 2022-12-17
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 sent a letter XX/XX/22 also XX/XX/22 asking XXXX, XXXX, and Equifax to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Accounts Service Team Inc. (TX)

I contacted my internet provider ( XXXX XXXX ) via email to cancel my service on XX/XX/XXXX. I had paid the bill for services from XX/XX/XXXX to XX/XX/XXXX. I then received a bill for services {$100.00} for service for the period of XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX and reported the error. Since I terminated service on XX/XX/XXXX, I felt that I did not owe for the XXXX to XXXX billing and did not pay for the XXXX invoice. They disagreed. They turned it over to a collection service : Financial Accounts Service Team XXXX Inc. When I received the first letter from them, I contacted them by phone that I was disputing the charges. They would not dismiss the charge. I have written 3 letters disputing this charge. XX/XX/XXXX- XX/XX/XXXX XXXX XXXX, XXXX. And they still will not take this charge off of my XXXX credit report. I disputed the charge with XXXX credit agency and with XXXX XXXX XXXX. XXXX credit agency accepted my dispute and removed it from my credit report. But XXXX will not remove it from credit report. Since I cancelled the service on XX/XX/XXXX I feel that I do not owe for services from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-05-30
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: JPMORGAN CHASE & CO. (OH)

XXXX XX/XX/2022 : I checked my XXXX Credit Report and there is a new hard inquiry on the report from JP Morgan Chase Bank dated : XXXX XX/XX/2022 in which I did not provide my approval or have any awareness of. Im afraid my credit may be compromised or a company had illegally shared my information.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MN)

I applied for a PayPal credit account on XX/XX/2020, reference number XXXX and was declined due to not been able to verify my identity. 
I already have an account with XXXX, I have a social security number and also a member of several financial institutions. I monitor my credit every day to which I had XXXX credit for XXXX, XXXX XXXX and XXXX XXXX. I want to know how come I am not being able to be verify. 
Am open to give you my Social Security if need be. Thanks
Consumer complaint received 2022-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

I applied online for a credit card with Citibank approximately XXXX XXXX. I never received the card and approximately XXXX XXXX I received a call from a customer service representative from Citibank advising my payment was 30days past due. I advised the representative that the card was never received or activated, and therefore no charges were made by me. The representative advised the charge was for the annual or yearly fees associated with the card. The representative confirmed that the card was never activated and At that point I closed the account, and was advised the charges would be reversed. Several months later a 30 day late was reported to all three credit reporting agencies. I called the original creditor and advised to have the item removed and they alleged they could not remove this item. In addition I wrote a letter to the credit dispute department at citibank asking for the item to be removed, and they advised they followed all rules and they were not at fault. 

It is my understanding that credit reporting is to administer/report delinquent acts by the consumer when they fail to repay under terms of the agreement. In my situation I did not make any charges and I never received the card for activation, I did not activate the card and I did not make any purchases with the card. At the point of cancellation, before I even saw the 30day late on my credit report, I cancelled the card and was advised by the representative that the annual fees would be reversed. 

Credit worthiness is very important to me and all consumers demonstrating an ability for an individual to repay debt in a timely manner in accordance with the terms of the loan or credit issued. I take this very serious and exhausted all means to resolve this with the issuing credit company, and did not receive any cooperation. As a society we have a responsibility to be pragmatic and practical with policies and regulations, and companies should be held responsible for practices that are not consistent with sound consumer financial issues. The creditor was not disenfranchised by any act by me, again the credit card was never activated or used. 

** ( Please note this for the account that had a {$450.00} charge for the annual fee, I have another account from the same creditor on my credit report that is accurate that does not show any late payments, that account is not in question )
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX AND EQUIFAX CONTINUE FURNISH FALSE INACCURATE INFORMATION IN REGARDS TO INACCURATE ACCOUNT STATUS ON A COLLECTION ACCOUNT WHICH SHOULD BE CLOSED THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX I ALREADY INFORMED BOTH EQUIFAX AND XXXX OF THE INACCURACIES THEY CONTINUE TO IGNORE IT WHICH IS A VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

THE ACCOUNT STATUS IS INACCURATE SHOULD BE CLOSED OR REMOVED THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES CLEARLY NOT 100 PERCENT ACCURATE AS THE LAW STATES ALSO THE CREDIT BUREAS HAD THIS ACCOUNT CLOSED THEN SUDDENLY OPEN PROOF IN THE ATTACHMENTS AND NEVER TOLD ME I NEVER GAVE WRITTEN CONSENT OR AUTHORIZED ANYONE TO FURNISH ON MY REPORT
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (GA)

- My PenFed used auto loan was created on XX/XX/XXXX and I linked my XXXX XXXX XXXX XXXX bank account as an external account in the PenFed loan portal - To set up my account information, I used PenFed 's immediate verification portal which notes that it uses XXXX as the " security third party that will verify your banking account '' - I completed the immediate verification process and my XXXX XXXX XXXX XXXX account appeared in the PenFed external account portal - I attempted to make my first payment on XX/XX/XXXX in the amount of {$640.00} ( which is within the 2-month first payment window, so the payment was sent on time ), and received a rejected payment charge on XX/XX/XXXX and a late charge on XX/XX/XXXX. 
- I was *not* aware of the first rejected payment, and made a second payment to PenFed for the used auto loan on XX/XX/XXXX in the amount of {$640.00} and received a rejected payment charge on XX/XX/XXXX - I was made aware of the rejected payments and attempted to make another payment to cover the first 2 due periods on XX/XX/XXXX in the amount of {$1700.00}. That payment was also rejected - My credit report had a delinquent payment note added to it from the PenFed used auto loan line of credit - I talked to a PenFed representative on the phone on XX/XX/XXXX and was able to make a payment in the amount of {$1700.00} to cover the first two pay periods using a different bank account - On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had 3 rejected payments from my XXXX XXXX XXXX XXXX account when I tried to make my regular payment in the amount of {$640.00} - I found that XXXX XXXX XXXX XXXX XXXX account that was set up using PenFed 's immediate verification software had the wrong bank account information**. 
- I corrected the account information, and sent a payment of {$2000.00} to cover the past 3 rejected payment periods on XX/XX/XXXX - I spoke to a representative named XXXX at PenFed 's accounts department in late XX/XX/XXXX to discuss the information being incorrect and they made a note that he would start an investigation. I called again in late XX/XX/XXXX and another representative was not able to find any open investigation. 
- I made a a payment on XX/XX/XXXX in the amount of {$1200.00} to bring my account up to date while I tried to sort out the credit report investigation issue- I called XXXX 's accounts department once more in XX/XX/XXXX and spoke to a manager who said that I would have to call again to speak with XXXX to hear more about the investigation. The manager said they would follow up but I did not hear back after that. 
- I sent another payment for {$1700.00} on XX/XX/XXXX to once again bring my account up to date since my subsequent requests to PenFed has not resulted in any investigation, even after being in contact with the late payments and accounts departments.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (FL)

in accordance with fair credit Act account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with fair credit Act account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I do n't remembering having an account with Capital One which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a XXXX XXXX XXXX XXXX XXXX XXXX which states they are collecting for Capital One. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (PA)

The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number XXXX
Consumer complaint received 2023-10-17
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. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 2022-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I attempted to purchase a XXXX XXXX from an XXXX store. I believed the store to be trustworthy because it had over XXXX followers. I sent the seller {$110.00} through XXXX but was told that the funds did not go through and that I should send it through XXXX instead. I then sent {$120.00} through XXXX and was told again that it did not go through. This repeated a few times with them sending me information and even an authentic picture of their driver 's license with the promise that they would return the overpayments. In the end, I lost {$590.00} to the scam. I contacted Chase Bank on XX/XX/XXXX and attempted to reverse the payments but was told that only the XXXX payment could be refunded and that the {$480.00} in XXXX payments were irrecoverable. They said they would do an investigation but I have not heard back from them in months.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I sent TransUnion via certified mail tracking number XXXX a letter informing them of inaccurate and unverified information being reported on my credit report. I asked TransUnion to remove the inaccurate and unverified account. The accounts have not been removed. On XX/XX/2022 I asked for TransUnion to provide information as to how these accounts were verified via certified mail tracking number XXXX and never received any verification information, and did not receive any information. On XX/XX/2022 I sent another letter to TransUnion via certified mail tracking number XXXX that they have neglected to respond to my letters within the allotted time and had not provided me information as to how the alleged accounts were verified. The continued reporting of this inaccurate and unverified information has severely damaged my ability to engage in basic financial activities like applying for lines of credit and has had a very negative impact on the well-being of myself and my family. 
The alleged accounts that have not been verified and must be removed are as follows. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX