davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MN)

I was in a life threatening accident in XXXX of XXXX. I was admitted to hospital because I had bleeding on my XXXX. I had XXXX XXXX and was in a XXXX to give my XXXX  and body time to heal. I was in the hospital until XXXX of XXXX and prior to this I did not leave. When I got home in XXXX of XXXX I came to realize my boyfriend at the time of the accident emptied out my bank accounts. He filed my taxes fraudulently and had them deposited into a credit karma account. He also completely took over this account. He had my phone, my is, social security card, all my banking information I mean He had everything. He completely stole everything I owned and evert dollar I had. Even my clothes and my childrens stuff. When I found out I immediately called all the banks and made police report and identity theft report and when I contacted credit karma and reported the theft the lady said everything was filed and I would get my money back in less the 9 days. This was on XX/XX/XXXX she also stated they would be contacting me to get my supporting documents. On XX/XX/XXXX I saw on the account that the dispute was closed. It didn't say why so I called credit karma and the man said that he escalated my complaint and that he was going to help me out and make sure I got the provisional credit but this would be no more then 15 days. He also said they would be contacting me for my supporting documents. On XX/XX/XXXX I saw that there was an jpeg attached to the transactions on the credit karma app and so I took a look and it was letter from credit karma saying that my dispute was not valid because the transactions were all authorized. I felt so terrible I have been in tears since. This man stole my identity and I feel like they are letting him get away with it. I have never been treated so awful in my life. They never even contacted Me or asked me for my supporting documents. I would like to speak to whoever I got too because I would like to take this to court. I was in XXXX I don't know how I could have authorized anything. One of my doctors discharge notes were do not put my XXXX  at any risk and avoid situations that cause large amounts of stress because it's so important for my XXXX  to continue to heal and large amounts of stress can alter the healing process this is also included in the note inhave from my Dr that's certified to credit karma stating that I was in hospital and in XXXX during the charges and I could not have authorized the charges. Credit Karma never seen that because they have no contacted me about the disputed transactions. Since I got out of hospital I have been under huge amounts of stress because I had everything stolen from me and I don't have way to even buy groceries and I can't work because of XXXX XXXX XXXX so I am just stuck and can't even get the money back that eas stolen from me. I have huge headaches and all I do is cry its awful. I pray to God someone hears my story and sees how wrong it is and helps me. All I want is my money back. {$2400.00}
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.
Consumer complaint received 2022-03-15
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. (MA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX. [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I have made 120 qualifying payments on my student loans while working for qualifying federal government and non-profit employers. I made the eligible payments through XX/XX/XXXX, and reached eligibility with the XX/XX/XXXX payment. 

I have since received multiplecommunications from Department of Ed saying I have not submitted any of the documents that I did submit and that I have no student loans eligible for forgiveness. 

I have submitted complaints through Mohela and Dept of Ed. Dept of Ed says to expect a response in 5 days. It has been more than 30. Mohela requires several hours of wait times, then says, dont worry, wait and se, I promise you are eligible and your loans will be forgiven, When I send the same request for documentation in writing, after months of waiting for response, the response is We see you have contacted us by phone and assume your problem was resolved then. 

Department of Ed just repeats you have to contact MOHELA. 

MOHELA just repeats We have nothing to do with that, its in the Dept. of Eds hands. 

The attache documents represent false characterization of my student loan status and prigram eligibility.
Consumer complaint received 2022-03-15
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. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX NEVER HAD A 30 DAY LATE XX/XX/XXXX ( DURING PANDEMIC ) FALSE REPORTED CARDS WERE OFFERED EXTENDED PAY. 

NEVER HAD A 30 DAY LATE XX/XX/XXXX NEVER HAD A 60 DAY LATE XX/XX/XXXX NEVER HAD A 90 DAY LATE XX/XX/XXXX NEVER HAD A 120 DAY LATE XX/XX/XXXX.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX  [ Account # XXXX ] is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ). {$2500.00} and {$3600.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX for {$1000.00} A bill payment from XXXX XXXX paid Chase Credit Card by mistake and the bank XXXX XXXX allowed the payment to be sent a second time on XX/XX/XXXX for the same amount {$1000.00}. I've been trying every since to get my money back to this company account for XXXX XXXX. Each time I send them documentation they keep saying they need more. I've sent them everything they've asked for and today I lost it on them. I'm getting in to XXXX pay months and this is still not resolved and my money has not been returned. I have and show the credit on my Chase XXXX card and I don't know what else I can do. They've been sent my bank statement showing the duplicate payment, a voided check of the account it came out of. A report from the bank showing the Bill payments that occured and the account it came out of and a letter from the bank of the errors of the duplicate payment. When this gets resolved I'll be cancelling this credit card, this has done me in with them not willing to correct this. It's to the point of fraud in my opinion.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (PA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MS)

On XXXX XXXX I was transfering money out of my checking to my savings when i accidently choose the wrong account that no longer opened. I contacted Wells Fargo whom told me that they was not able to cancel the transfer to the bank account that it was been transferred to as she stated " she is not able to cancel the payment and to wait until the funds return ''. I waited i did not see the amount of {$280.00} transferred back into my Wells Fargo Checking Account. I reached out prior to the issue to both regions and Wells Fargo. I spoke with Wells Fargo a rep stated that he will be creating case to send to the claims department for a review. I contacte regions on Tuesday XXXX XXXX who stated that since the account is closed there is nothing they will be able to do about the my money in other words and that i would need to contact Wells Fargo . i have been back and forth with Wells Fargo to recover my money of {$280.00} i spoke with over numerous people that stated the person who handled the claim did not find an error nor fraud so they was not able to recover my funds due to the fund posting successfully into the account which is no longer opened! I have tried being nice to recover my funds as i explained to WELLS FARGO REPS the account is no longer opened the account is CLOSED! WELLS FARGO DID NOT RECOVER MY FUNDS THEY REFUSE TO GIVE ME BACK MY MONEY AND BELIEVE I AM SUPPOSE TO SIT BACK AND LET MONEY GO FOR FREE. THEY SEE IT WAS IT WAS A ONLINE TRANSFER BUT REFUSES TO RECOVER MY MONEY.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (WA)

My name is XXXX XXXX, I am writing on my own behalf, there is no third party involved. On XX/XX/XXXX, I submitted an FTC report for numerous fraudulent and unverifiable accounts and inquiries on my credit report on Experian 's website. There were 7 inquiries that were apparent as fraudulent, including- XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX  / XX/XX/2022 XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 I wrote a letter to Experian, and sent them my FTC report including proof of identity on XX/XX/2022 that included all of the above inquiries that are fraudulent and unverifiable. The problem is their are still numerous fraudulent inquiries and credit accounts on my credit report that are drastically effecting my ability to operate in commerce. The following inquiries, Experian removed from my report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXXXXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 HOWEVER, the fraudulent inquiries : XXXXXXXX XXXX / XX/XX/2022 XXXX / XX/XX/2022, and XXXX XXXX XX/XX/2022 including the unverifiable debt amounts attached to these accounts are still furnished on my account. Not only did I never give the above companies permission to furnish my account, but these are debts claimed to be owed by me, are furnished on my report and are entirely fraudulent. Experian has yet to make the changes to my credit report as requested. Due to this identity theft allowed and perpetuated by Experian, I am violated. I still have not allowed XXXX nor XXXX furnish my report and post a credit account on my report. Numerous laws have been broken, and my rights have been violated as a federally protected consumer. Unfortunately this has disturbed my ability to operate soundly in commerce due to high revolving debt form these accounts, AND the numerous recent inquiries on my credit report.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

I have applied for PSLF. I am cute let eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to XXXX, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( Aidvantage ) and all parties have Nj answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (NV)

XXXX XXXX XXXX XXXX XXXX at XXXX - XXXX XXXX XXXX XXXX XXXX account # XXXX has been sending me a collection notice for {$410.00}. I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (FL)

THIS IS NOT A DUPLICATE COMPLAINT. 
I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 
This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character, pain & suffering and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Equifax this DEMAND TO COMPLY in a letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Delivery is expected latest by XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Equifax and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Equifax a written dispute in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Equifax failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When I called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Equifax willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Equifaxs violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority.

Equifax is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Equifax which has put my family through extreme hardship this past year. I am demanding the deletion of 2 closed charged off accounts, 2 inquiries and 1 collection account immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand for Compliance letter.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

Pursuant to 15 USC 1681 ( i ) I required Experian to send me the description of the procedures of the reinvestigation of the furnishing of inaccurate information that I disputed on my consumer report.
Consumer complaint received 2023-06-28
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: WELLS FARGO & COMPANY (FL)

I have been trying without success to get fraudulent information removed from my credit reports at the XXXX major agencies. This is a long standing problem and I have lost faith that it will ever be resolved but it is over XXXX XXXX since the last activity and the information will drop off soon Wells Fargo closed and wrote off the account in XXXX but it listing a payment in XXXX. This will prolong the time the fraudulent information remains on my reports. To my knowledge there was never a payment made by me in XXXX. Please help me to get this removed so the fraudulent account will drop off my credit next year I have been damaged enough. Also I have not missed any payment on any accounts in my name since I returned to the XXXX over XXXX years ago please make sure my credit reports reflect my actual payment history. 
Thank you. 
XXXX XXXX
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid down the balance of the XXXX XXXX credit card last month prior to the XX/XX/2018 reporting cycle via trans union. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not transunion. I tried resolving with XXXX XXXX with negative results.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (GA)

I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days days of XXXX, 2022, which is the date they received it [ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me.

3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.
Consumer complaint received 2022-03-15
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. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-14
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)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.