davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute several inquiries on my credit report that I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries. I am concerned about the potential impact these fraudulent inquiries may have on my credit score and financial well-being
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX  account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (PA)

I'am a member of Navy Federal Credit Union , I have an account with them for some time now, I completed all of banking with them. not to long ago I had NFCU dispute some fraudulent charges on my account in which they did investigate and give me my funds back, once the funds were in my account, I spent the money. After a few weeks, NFCU took the money back and this put my account in the negative {$8000.00} +., XXXX of my direct deposit checks were also deposited during this time and this deficit took my check. this severely impacted my livelihood and forced me to go into debt with numerous other companies. Navy Federal has since charged this debt off, are still asking me to pay them back. IRS identifies a charge off as income, Navy federal has yet to provide me with a XXXX, Navy Federal are conducting illegal acts with my account and have infringed on my rights.
Consumer complaint received 2022-08-18
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XXXX XX/XX/2022 at XXXX XXXX XXXX a charge of {$26.00} was removed from my checking account by XXXX on the same day at XXXX XXXX  XXXX another transaction by XXXX in the amount of {$540.00} was removed leaving a negative balance. At XXXX XXXX XXXX I received a text message from my bank stating a total of {$700.00} was being taken out and if I authorized it. I replied " no '' and the bank told me they were going to block and refund my money. I then immediately cancelled my card. On Sunday XX/XX/2022 the transaction went from " pending '' to accepted. I them on Monday XX/XX/XXXX at XXXX XXXX XXXX and filed another dispute. I informed them of the text message and that I had cancelled my card. The representative asked me to email a copy of the message to them and wait for a response. At XXXX of the same day I received an email back stating my dispute was denied. I immediately called them back to inquire as to why. The representative put me through to his supervisor who explained that the dispute department never opened the email and that the result was final. When I threatened legal action she agreed to put in a rebuttal and that I would have to wait an unspecified amount of time to hear back.
Consumer complaint received 2022-08-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PLANET HOME LENDING, LLC (RI)

The first letter I received from XXXX XXXX XXXX. on XX/XX/XXXX stated IMPORTANT LEGAL NOTICE - As of XX/XX/XXXX that the servicing of your loan will be transferred from XXXX XXXX XXXX XXXX. to Planet Home Lending LLC. It also referanced a loan number of XXXX. 

I then received 4 letters each dated - XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX a mortgage loan statement with Amount Due ( in bold lettering ) Not Available. 

On XX/XX/XXXX a letter stating- In response to your request for assistance, please find Mortgage Assistance document and instruction form. Options May Be Available, as well as Information on Avoiding Foreclosure - Please note - I at no time requested anything from and/or made no contact with them at any time. 

- XX/XX/XXXX I received another Mortgage Loan Statement - Amount Due - Not Available - Principal Pending - Due Date XX/XX/XXXX - Amount $ XXXX Interest rate 10 %. 
- XX/XX/XXXX I received a letter that states the post maturity of the loan balance is {$30000.00} and to pay on or before XX/XX/XXXX, with... If payment is not received, by that date they will foreclose. 

- XX/XX/XXXX I again received the same letter as previous letters a Mortgage Loan Statement -Amount Due- Not Available XX/XX/XXXX I received a Welcome Letter - they would like to Welcome me to Planet Home Lending and let me know they are very pleased to be servicing my loan. Monthly payment -Due Date XX/XX/XXXX and Amount Due- {$270.00}
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc. (MO)

XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX, has violated my rights. 


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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights. 


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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

On or about XX/XX/XXXX, I mailed two extended fraud alert packages to Equifax, on behalf of myself and my wife. ( We already have temporary fraud alerts on file with Equifax. ) I sent the application forms, two forms of acceptable identification ( for each of us ) and a copy of the filed police reports. Today, XX/XX/XXXX, I checked to see if the Extended Fraud Alert is on my account. Not there. The first representative I spoke with game me a different zip code than what is on the form I downloaded from the website. I asked to have the extended fraud alert place in effect via the phone call. He, and his supervisor said it can't be done. That, I have to resend the documents. 

I'm not a happy camper because my wife and I were victims of the Equifax breech in XXXX and now the company can't even make sure the mailing address on their Extended Alert Form is correct. By the way, the only difference is in the extended part of the zip code. 

The USPS hasn't returned the two separately mailed applications back to us which makes me believe that in spite of the wrong zip code on the zip extension, the packages were delivered. If yes, the company can not account for the two packages. That's a problem because who knows where our information is. Frankly, this company that controls so much information falls short on the consumer service end. Why must I have to resend the packages because of their mess up?
Consumer complaint received 2023-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I became eligible for Public Service Loan Forgiveness in XX/XX/XXXX and had XXXX qualifying and approved payments noted on my account with my servicer Mohela. I was transferred to Mohela in XXXX. In XXXX, I updated my employment when I switched employers. That form was processed in XXXX days and my count was brought up to XXXX in XXXX. I submitted a PSLF form to initiate the loan forgiveness on XX/XX/XXXX. Since filing, I have received XXXX messages to my email and Mohela account that have referenced recent loan payoffs and consolidation- neither of which is accurate for my account. I have been told incorrect information by customer service regarding my processing being held up as they were waiting for loan consolidation. I have not consolidated any loans since XXXX. It's now been XXXX days since I submitted the form and there has been no action taken to update my payments from XXXX to XXXX. I am being told that it could take up to the end of XXXX to get the count updated and then another XXXX business days after that for forgiveness to initiate. With all of the incorrect information that has been at play, I am very worried that Mohela does not have an accurate understanding of my account and it's holding up my public service forgiveness. As an aside, this is now causing problems with obtaining a mortgage, so I've had to get my account put back into repayment and am making payments far past the XXXX qualifying payments. 

I've attached the letters I've received erroneously.
Consumer complaint received 2022-08-29
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. (MI)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXX/XX/2023 fraudulent activity was reported via XXXX. Called several times to dispute the activity, a few times they hang up/ transfer me from person to person/ and now they won't answer.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX XXXX Equifax, XXXX, XXXX added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting inaccurate debt, they have no contract validating this debt they are also reporting a collection. Transunion is also reporting this inaccurate information.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

XXXX. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Consumer complaint received 2020-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Date : XX/XX/2020 Bad check accepted by Capitol One for Vacation Rental scam for {$3400.00} for XXXX XXXX. Security team stated they can not credit the amount of {$2000.00} sent through XXXX through Capitol One Bank. 
C.One stated they will file 2 claims with XXXX and their bank. Security team stated it is unlikely they and XXXX will credit any amount sent through XXXX. 
No action has been taken to credit any amount of the bad check. They also stated they will shut down the account once the {$2000.00} is paid or credited. The original check was for {$3400.00}. I am returning {$1400.00} to the account that was supposed to be for the vacation rental.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Afternoon, I noticed on my credit report that there are unauthorized inquiries on my credit report. 
according to the FCRA legally these unverified & unauthorized items MUST be removed! Listed below are the dates and companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX
Consumer complaint received 2019-09-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (CO)

Real Time Resolutions is there name. I emailed them twice 2 send me letter of dept validation over 10 days ago and still no letter was sent out. Went to the web site they told me to go to but my info was not in there and it was coming up blank in most sections.
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (FL)

A man called demanding to speak with me. He rattled off my entire name ( including maiden and married ), address and last 4 of my social. When i asked who was calling he again rattled off the information and stated that if i wasnt going to confirm the information was correct he wasnt going to tell me who he was. I informed him i would not be confirming or denying anything until he told me who he was and what company he represented. He then he responded with " this is XXXX  XXXX XXXX. I have an important matter to discuss regarding the debt owed to us now confirm the information! '' When i again refused and asked for him to tell me his name and which creditor he represented he said " i already told you. When you get your XXXX together and are ready to cooperate call us back XXXX. ''
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2023-01-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

Private loan interest rate raised to 15 % on one and 13 % on the other I have good credit and consistent with payments. I tried to refinance the loan because I can not afford {$400.00} a month they denied me because the school I went to was full prophet. Then I was denied again because I did not graduate. Then I tried again another place they said even with a good credit score you'd be paying {$900.00}. I have no other options and feel completely helpless at this point that I'm paying on a high interest loan with mo degree and it's stopping me from being able to afford anything at this point.