davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (WI)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXI XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ;  XXXX-XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2021-09-16
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. (PA)

Goodmorning, last month XX/XX/XXXX I sent over that I was a victim of fraud, multiple accounts are not suppose to be on my account, according to the FCRA you have 4 days to block and remove these accounts from my credit report, this is unfair. I was a victim of a data breach and that situation has put many problems in my life. As a consumer I should feel protected not feeling the pain of the wrongs done to me. I am attaching the FTC report and affidavit again with proof of my identity with my license. This is effecting my family in a very negative way. Please follow the rules that was set to help our consumers, I know we are in a epidemic but you must act as soon as you receive this complaint.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

I disputed a charge to my debit card in the amount of {$520.00} on XX/XX/2021 because the company did not follow through on their end to provide the service that was promised. I contacted my bank and the filed the complaint as Fraud ( I did not ask them to do this ). I am now told by my bank that the fraud department denied my claim and are refusing to reverse the charge. They are also telling me now that the fraud department has denied my claim, they will not consider my dispute. 

I want to get my money back and my bank is refusing to help me.
Consumer complaint received 2024-04-12
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: CarMax, Inc. (VA)

I have been in the dispute process with CarMax Auto Finance XXXX XXXX XXXX XXXX for months. Initially I began my disputes with detailed letters explaining several FCRA violations that CarMax is in violation of and how the most important one according to " CFR PART 1022 ( REGULATION V ) ''. In addition to several other FCRA law violations that CarMax Auto Finance is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor CarMax Auto Finance. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, CarMax Auto Finance wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with XXXX directly. Since XXXX of 2024 until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/2024 I called XXXX directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has thirty days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an XXXX XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed XXXX does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. CarMax Auto Finance is creating deceptive contracts and violating FCRA and consumer privacy laws as is XXXX XXXX XXXX.
Consumer complaint received 2021-09-16
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: General Motors Financial Company, Inc. (MI)

My mortgage is through XXXX XXXX  and in 2019 we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I sent a certified letter to Enhanced Recovery XXXX XXXX XXXX XXXX Fl XXXX on XXXX XXXX. The letter is requesting written validation of this debt they say I owe. I have received no written communication from the company. I have received several harassing phone calls from this company.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-16
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. (VA)

XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Order XXXX XX/XX/XXXX XXXX {$970.00} Dispute XX/XX/XXXX no tracking number XXXX vendor provided XXXX showing product in XXXX XXXXXXXX cancelled XXXX however Vendor had called back product to XXXX XXXX info attached. 
XXXX in the interim accepted dispute and took payment back from vendor XXXX claims money returned to my orginal form of payment they provided a transmittal number XXXX Based on vendor acceptance of dispute on XX/XX/XXXX Citi bank refuses to talk to me since I withdraw complaint even though I've sent them documents from XXXX and has never refunded my {$970.00} The bank also double billed me per the statement end XX/XX/XXXX And have never shown this credited
Consumer complaint received 2021-08-02
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: HW Holding, Inc (TN)

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 XXXXHWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : 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 2024-04-12
Product: Credit 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: BARCLAYS BANK DELAWARE (NJ)

I write to follow up on Complaints XXXX of XX/XX/XXXX and XXXX of XX/XX/XXXX. Barclays responded to such complaints yet the issue of an overcharge on my account remains unresolved since early XX/XX/XXXX when I first contacted Barclays about such overcharge. Barclays ' measures have been temporary, reversed, and temporarily reinstated. Thus, the issue still remains unresolved. In addition to the documentation I have already provided Barclays more than once, I am willing to coordinate a conference call between the merchant and Barclays if that will help Barclays conclude its investigation or request any further specific documents it may so require. I am eager to conclude this matter and close my account with Barclays. 

I have called Barclays yet one number included in its last letter of XX/XX/XXXX is a wrong number and no person answers the " direct line '' provided in such letter. I have left messages and await a response. 

The time it is taking to resolve this matter is extraordinary.
Consumer complaint received 2023-02-02
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. (NV)

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 15 U.S.C 1681 section 602 A. 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 an account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

my mortgage was sold about 4 years ago lost count of how many times my mortgage was transferred the last one. we had a problem when sandy hurricane got to new york. we had no electricity or place to stay or work for 4 months at that time. the mortgage was not paid the company sens us payment schedule .start from the XXXX of that month. 
we paid the behind sum in 4 months. 
the problem was that they insist on paying the mortgage on the XXXX XXXX and it was impossible the mortgage was sold to shell point, we explained the situation .they had non of it during the last 2 years we accumulate penalty on the payment again we paid the mortgage on time never late just at the end that month after the corona time we had to pay 10 payment in 1 shot or sell the house .they did not want to help, so we did we paid it XXXX $ they want our flash with the penalty that we have no intention to pay please help us. we leave here 35 years we over XXXX years old thanks XXXX XXXX
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
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/XXXX2020 and the subsequent response received on XX/XX/XXXX2020 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2020-01-07
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: EQUIFAX, INC. (NY)

THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT REPORT.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I called the 3 credit bureaus after I purchased a credit report with Experian and XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXX XXXX Balance {$870.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

Im sick of Goldman Sachs bank USA denial of credit, I believe they are discriminating against me due to low scores, this needs to stop, it seems like only special people get credit, I want to file a complaint against them, I have been turned down three times they are wrong, they only approve special people,
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have sent Experian dispute letter and in XX/XX/2021 with no action and proper investigation has taken place, They have failed to provide how if they even did an investigation. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/2021 and still no response.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. ()

Severely limited and expensive repayment options for Americans living abroad. 

My loans were first acquired by XXXX XXXX and then split off to Navient. I am an American living abroad for employment and as such, have no US bank/checking accounts. Originally, XXXX XXXX allowed for online XXXX payments. They took it away, leaving the only repayment option to pay with credit card -- but, they would only accept the payment by charging a {$14.00} credit card fee. When Navient took over the loans, they also accepted credit cards, also for a fee. I have accepted the fee, but now, in XX/XX/2017 Navient refuses to accept credit card payments. If you do not have a US bank account, there is ZERO option to repay the loans without exorbitant international bank transfer fees. This is XX/XX/2017, where most institutions allow for online payment options which include a credit/debit card option. To have a repayment system which discriminates against clients who would like to pay back loans but lack a US bank account is absurd. Especially as the system allowed for online XXXX payments in the beginning. This practice is deliberately set up to incur late payment fees, banking fees and other costs for any student loan holder not able to access a US bank account. While not accepting credit cards or XXXX ( supposedly ) lowers operating costs for Navient, it discriminates against expats who have the means and will to repay loans. In speaking with Navient representatives ( XX/XX/2017 ) about the latest decision to not accept credit card payments, they indicate they are aware of the problem for international individuals but do not yet have a solution. This is unacceptable.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX