davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
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. (FL)

I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX  XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX
Consumer complaint received 2020-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, and TransUnion are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? TransUnion and XXXX and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2019-01-20
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. (MD)

I submitted a request to investigate and remove credit inquiries on my Equifax Creit Report that I didn't authorize. Equifax sent me a written response stating that credit inquiries are a factual record and must remain on my credit file for two years.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX in a XXXX accident. I XXXX  XXXX for a living. I really need these lates removed I dont understand. Please godbless you and your family
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I wanted to put credit freeze with all three credit companies. I was able to do it online with XXXX XXXX and XXXX, but Equifax was giving me Error code NH and advise me to call customer helpline. I called the line and was told they can not freeze my file because they don't have any credit records on me. 
I told them I don't use credit but afraid of some one else might try to use credit fraudulently under my name and that's why I wanted to freeze it. Even supervisor told me can not be done. 
My argument is if they can do the freeze for minors without any credit records under their file, why can't they freeze an adults file without any credit records. As an adult my credit is more at risk than minor who is not even legally eligible for credit. 
As I stated above, I already have freeze with other two agency, I don't understand the logic of EQUIFAX not allowing it to happen. 
This needs to be change before somebody opens up some credit under my name, because EQUIFAX refuses to put freeze on my name.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of any of these accounts.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I attended XXXX  XXXX ( XXXX XXXX, CA ) school in XX/XX/XXXX. I was offered an opportunity to attend by a family member who told me I was eligible for an 80 % discount in tuition as a family member, since he worked for the school. I was enrolled from XX/XX/XXXX XX/XX/XXXX. I was asked once or twice to return to finance to re-sign my contracts. I was never given written documentation of the cost of my responsibilities, and was always assured my discounts were applied to my loans. When I applied originally, I was told the XXXX program cost approx. $ XXXX and with my discount, my cost would be somewhere around {$4000.00}. I never received documentation and could never get clear answers, but my Father-in-law always expressed the school knew what they were doing, and I was getting a 2-yr degree for 80 % off the normal price. 

6 months after I graduated with honors, I began getting requests from then, SallyMae to begin repayment of my loans. I was shocked to see the price of my loans. Although not the $ XXXX I was told a regular student received, My first loan was taken out appeared ok, but 3 additional loans were taken out for 3x the price of the first loan, and I didnt understand how the price tripled after the first loan was processed. I contacted the school and was constantly given a run around. I was told the issue would be reviewed, and would never receive follow-ups. I called dozens of times, and it nothing was ever done. I filed a Defense to Repayment, and was told by a number of collections person, constantly I would have to file for forbearance to stop the phone calls. After literally thousands of collection calls, and after the loan agency was renamed Navient, I finally stopped receiving the calls. I found out years later the reason the calls stopped was because my DTR document was processed and my loans were placed on administrative forbearance. 
I have since had to file for bankruptcy and can not get past the XXXX scam I have been a part of, like so many other people conned into thinking the education and degree we received was worth any amount of money. I just want the loans and the late reporting removed from my credit already. I can not get anyone related to XXXX to resolve this, and I am trapped. Please review and remove these fraudulent claims from my credit report.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MI)

Hello, I requested a balance transfer on XX/XX/23 from my chase credit card account to a newly opened wellsfargo account for the amount of {$5700.00}. I went on the wellsfargo website and filled out the application for a balance transfer. once the balance transfer was processed on XX/XX/23 the XXXX was posted on my wellsfargo account. I then checked my chase account and realized that I still had a balance of {$5700.00}. I contacted XXXX and they stated the balance transfer came from a XXXX 's account. I informed them that I do not have a Macys account active currently and it was impossible for this money to come from my Macys account. They then stated I must have typed in 1 or 2 incorrect digits by mistake on the balance transfer application that matched an unknown Macys account that is not mine. A case with wellsfargo was opened in XXXX for Macys to refund the funds. Macys has not responded yet and I have no information on how to contact Macys to get this expedited. When I call Macys they will not provide me with any information on account that is not my own. Now I have someone else 's debt in my wellsfargo account and I am having to pay on that balance as well as my own balance on my chase credit car account. I have never heard of someone having to pay someone else 's debt and this should have been taken care of already. this Macys account is not linked to my social security number, name, address. I need help please to expedite the refund of this money from Macys back to wellsfargo.
Consumer complaint received 2019-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

For the last several months I contacted Wells Fargo bank including it's Executive customer service dept. several times. Last time I talked to them 2 days ago - on XX/XX/2019. The problem is the same. They refuse to unlock my online account without apparent reason. ID verification in the branch is not good for them anymore. They privet into my privacy more, asking to provide them with my personal information which has nothing to do with my ID or access to my account. Basically, the bank discriminatively ban me from my own account. Bank knowing it is acting unlawfully, refused to provide a written respond to my inquiry in regard to this ban.
Consumer complaint received 2019-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX  monthly. Got a report it increase {$800.00}. No notification why.
Consumer complaint received 2019-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (WI)

My inquiry involves a debt : Unknown, no information available from credit agencies or initial correspondence. 

The nature of my concern : Commonwealth Financial Systems sent me a letter on, or around XX/XX/XXXX alleging that I have a legal obligation to pay them a debt from one of their clients. Per the information provided in their initial correspondence I am undoubtedly confident that the debt they allege I owe is false, inaccurate, and made in bad faith as an attempt to collect on a false debt. 

I submitted a dispute letter via certified mail on XX/XX/XXXX to which Commonwealth failed to respond. Following their subsequent failure, I disputed their listing on my credit report, which was promptly removed for their failure to submit evidence of their claims to the ( 3 ) credit bureaus. 

On, or around XX/XX/XXXX Commonwealth has again appeared on my credit report without sending me a letter or a phone call which I am happy to validate upon request ; their fraudulent listing has since been disputed - again - as of the date of this complaint. I fully expect their fraudulent and bad faith listing to be removed from my credit report within the next 30 days. 

I kindly request that the XXXX take this complaint with my testimony above to investigate Commonwealth Financial Systems for their categorical abuse of the FDCPA and harassment of Wisconsin consumers.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXXXXXX store guard is playing games with my credit report they issued a credit card in my name put it on my credit report which was never open my me what I do not have any knowledge of I contacted XXXX XXXX this send me a letter saying that they don't know what number is the crate guard and if I can help them write the credit card number so they that they can re investigated yes you're hearing it right the bank that issued the XXXX XXXX doesn't even know the number hes asking the consumer to send his credit report or the credit card number so that they can investigate I personally think this listing should be immediately removed and XXXX XXXX should be been allies to for putting a fake account number on my
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, Sunday, XXXX, I was notified by private money app called XXXX XXXX that there was a large transaction on my Truist account. I immediately went to my Truist app and investigated the charge and was found to have a charge from XXXX for over {$1000.00}. I immediately called Truist and had my debit card canceled as I had not purchased anything from XXXX. Truist would not halt the payment and stated I had to wait until the transaction was posted to file a fraud claim. On Wednesday, XX/XX/XXXX the charge posted and I filed a fraud claim with Truist. On XX/XX/XXXX. I was notified by Truist that they denied my claim and then went into my local bank of Truist, and the Truist representative in the office was able to inform me that it was obvious fraud because someone had also tried to use my card on XX/XX/XXXX and XX/XX/XXXX, this was the card that had been canceled. The Truist rep and myself also contacted XXXX that day, and XXXX would not give any information to us without a warrant. The following week I filed a police report with XXXX XXXX police department. 
I also appealed the denial through Truist. No fraud department personnel has ever contacted me by phone or asked any questions. The local branch Truist representative did turn in proof that someone had attempted to use the canceled card for two days after it had been canceled. 
On XX/XX/XXXX I was notified that Truist once again had denied my appeal for the fraudulent charges on my account. I reopened a new fraud claim with Truist which has also now been declined again. Again no representative Truist has tried to reach out to me nor the police department, nor XXXX to confirm that this was indeed true fraud. I have never bought an XXXX through XXXX because I have a XXXX carrier and that is where I buy any XXXX phone. 

Also, the first fraud claim was denied because there was a {$.00} charge to XXXX and I quote that means I had a relationship with. to appeal the first denial, the Truist fraud department had to attach the {$.00} charge from XXXX to that claim to appeal the claim. So on XX/XX/XXXX when I received the letter from Truist that they approved the {$.00} charge but no one ever addressed the {$1000.00} charge which was the original complaint. 

It is obvious to me that Truist has hired people that are not local, nor have any control, nor any intent to refund true fraudulent charges. I do not know who ordered an XXXX XXXX XXXX, I do not know where it was delivered, I dont know whose name was on it. I never had any communication with XXXX, nor approval of a transaction for an XXXX XXXX purchase. Someone stole my information used my information and Truist Has not protected me or my account or my money. 

Again, Truist has not had anyone from the fraud department contact me via phone as I was told they would multiple times. The only communication I ever received from Truist were automated emails that said do not reply.
Consumer complaint received 2022-07-17
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. (TX)

Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (HI)

In XXXX, our loan was sold to Roundpoint. At the time, the loan had double charged me on my insurance bringing my mortgage from {$1500.00} to {$1800.00}. XXXX ( # XXXX ) paid my insurance late and was given a cancelation notice and despite receiving a reinstall letter and assurances that I never lost coverage, they decided to apply their own insurance when they sold my mortgage, hence the cost. Eventually, Roundpoint got the refund and this was put into my account. On XX/XX/XXXX, I paid the difference which was supposed to clear my account ( XXXX ). The amount paid was {$2100.00} which cleared XXXX and XXXX. On XX/XX/XXXX, I paid my usual amount {$1500.00} which is supposed to be for XXXX On XX/XX/XXXX, I got a phone call in which I was told I owed {$300.00} something and I explained that the extra escrow amount was for a double insurance, that a new escrow estimate was done and all of this was supposed to be resolved. Once again, I was told that this was going to be fixed and my loan was up to date. Today, I got another call and once again I was told that the {$1500.00} I made wasn't enough and after going thru this once again, I was assured that this was going to be cleared by XX/XX/XXXX. PLEASE can someone get Roundpoint to fix their system? I am afraid that this will affect my credit rating, not to mention, all the time I have spent with this issue.
Consumer complaint received 2019-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I contacted a seller on for tickets to a play. She stated her name and that once I transferred her money via XXXX and she saw the pending payment she would sent me the tickets. I transferred her money through XXXX. I used Chase. She gave me her name, email address and phone number and mentioned that her and her boyfriend had bought them but weren't able to make it. She said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. She text me about 15 minutes later to confirm she received the money and said she " sending the tickets now ''. .. About 30minutes went by and I didnt receive them. I had tried calling her back, and immediately a recording saying " your number has been rejected ''. I had my boyfriend text the same number asking if tickets were still available, she replied " sure are '', he asked for a screenshot of ticket details and she never replied. After contacting Chase bank they told me they couldn't do anything to stop the pending transaction ( they wouldn't even file a dispute against it ) and because I authorized the payment that " it would be like handing them cash ''. They suggested I call XXXX. So I asked them if this is a service provided by the bank and they are providing this to their customers what are they doing to protect their clients. XXXX 's customer service number prompts you to select an option whether your are calling due to an issue associated with a transaction made through bank app or online ; once selected their recording simply states to contact your bank.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (MI)

I ordered with my Goldman Sachs GM credit card XXXX pair of shoes. Around XX/XX/XXXX the purchase price is XXXX the date it shipped was XX/XX/XXXX. The company name is XXXX. I received an email stating that my items had been delivered however when I got home from work there was nothing on my porch. I contacted the merchant to ask them what's the problem they told me that it has been delivered. I then filed a dispute with Goldman XXXX GM for the disputed amount above. They keep denying my claim because they're stating that the shipper delivered the item. So they're making me pay for items that was stolen off of my porch before I can retrieve them. I've been disputing this since then
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Received supposed call from PayPal and text message with passcode to reset password XXXX Text from XXXX PayPal : XXXX is your security code. Don't share your code. 

I logged into PayPal and changed password then repeated phone calls ended.