davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
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: BTH Management (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There was fraud detected in my Bank of America account that I was not aware of until I couldn't log back into my bank account. Without warning, BoA closed my checking account with them and sent the remaining funds back to me via check. Now every time I apply to open a checking account with another bank it won't allow me because of " past history '' with other banks. I've only had a BoA, I've never committed fraud in my account, and I'm a student who absolutely needs a bank account.
Consumer complaint received 2020-10-27
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. (FL)

On XX/XX/XXXX of this year, I submitted a dispute letter to both Experian and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-11-27
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)

XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX  XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX CLOSED : XXXX XXXX, XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-27
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (AR)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Consumer complaint received 2018-11-27
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Equifax 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.
Consumer complaint received 2018-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

The same issue I filed the complaint previously is still occurring. Navient continues to remove me from the plan I have requested since XXXX of 2018 which was to make biweekly payments in the amount of XXXX until XXXX of 2018. Navient states that on XX/XX/2018, you declined a Term and Rate Modification Program ( TRMP ) which would have lowered your interest rate to 3.00 percent. You decided to remain on interest only payments and bi-weekly payments were taken at that time for {$160.00} through XX/XX/2018. This is not true, yes, I declined the rate modification because I am trying to take care of this loan and start paying the principal down. Why would I request to stay on interest only payments and make XXXX biweekly to those payments when the interest payments are XXXX per month. That doesnt make any sense. Since XXXX, Navient has put me in a forbearance that was not requested, which took me out of the principal and interest payments and removed my payments that were scheduled. Then after I requested to be removed from the courtesy forbearance Navient then placed me in the interest only plan AGAIN!!!! Its like they want me to continue to pay interest and not touch the principal. Navient continues to enroll me in programs that I have not requested. Clearly the call on XX/XX/2018 stated exactly my intentions. I have since called back several times indicating what I want to do with this loan and that is make principal and interest payments. I contacted someone on XXXX XXXX, to enroll in principal and interest payments and set up biweekly payments. I want this documented, so my account is not touched and I am not removed from this payment plan. The principal of this loan is now back to where it started when I called in XX/XX/2018. If I was left on my plan when I initially called back in XXXX, this LOAN WOULD HAVE BEEN LOWERED. I can not get anyone to contact me back, but they always say someone left me a message. They are the most ridiculous loan servicing company ever. There should be consequences for the actions of Navient.
Consumer complaint received 2018-11-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MA)

I am reporting XXXX XXXX XXXX for violating the FDCPA section 809. It all started when I received a letter dated on XX/XX/2018 from XXXX XXXX XXXX indicating that the Louisiana Office of Student Financial Assistance has purchased the account with a balance of {$25000.00}. Later, I received another letter dated XX/XX/2018 from XXXX XXXX XXXX indicating that the amount was now {$51000.00} and held by the United States Department of Education ( Which conflicts with the first letter ). Because of this I wrote them a letter supported by the FDCPA section 809 which ask a Debt Collector for the validation of the debt because I wanted to know why Louisiana Office of Student Assistance has this debt if I attended XXXX XXXX XXXX in the state of Florida and then transferred to the state of Massachusetts. XXXX responded with inaccurate information in violation of the FDCPA section 809. I then learned that XXXX XXXX XXXX is a Navient Company. After I wrote them requesting Debt validation, they stopped contacting me and reached out to my employer directly with Lawsuits threats to them indicating that the letter are coming from the Louisiana Office of Student Assistance demanding Wage Garnishment that does not require a court order and my employer assuming the validity of the their threats, proceeded to deduct 15 % of my weekly earnings to pay to XXXX XXXX XXXX without a court order. This is a total amount of {$150.00} USD every week which is causing me a lot of financial stress.
Consumer complaint received 2023-03-27
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00}.
Consumer complaint received 2019-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Please read attached documents of the letter I attempted to send to the agency contacting me. The fax number provided was fake. The company trying to collect the debt did not advice the standard " this is an attempt to collect a debt '', in addition, harassed me and refused to provide me business name, address and fax number to send bankruptcy papers to. They also told me that I could not bankrupt the debt. I was repeatedly told I was being sued and could have the address and fax number for my attorney when I received my court papers. They had a woman contact me to tell me she is a process server planning to serve me court papers. I called the following day and they gave me the business name of XXXX XXXX and a false fax number. I have no statements or documents from this company and can not find the company on the internet to reach out to any other person in that agency or to locate an address/fax number. The telephone number I have is XXXX and an incorrect fax number of XXXX. The XXXX people I have spoken to is XXXX XXXX and XXXX XXXX. The process server who called me was XXXX XXXX. Case number is XXXX under the account name of XXXX XXXX. They claim they were collecting a debt from Huntington Bank from 2010 in the amount of XXXX for overdraft fees. I advised that I filed a no asset chapter XXXX.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Recovery Solutions, LLC (TX)

Person called and identified herself as XXXX from XXXX XXXX. Ordered that I provide SSN. I told her I would not verify personal information without knowing the nature of the call, the name of the company, the reason. " XXXX '' said I had no problem spreading my personal information all over the internet, said I was being sued, and used profanity before hanging up. I attempted to call back XXXX times and she hung up on me. She then proceeded to call my daughter on her cell phone number and told her I was being sued and needed to call, she called my son making the same claim, and then called my sister-in-law. My sister-in-law said that " XXXX '' left a message saying I was filing a law suit against someone and she was trying to get in touch with me. I do not know how this person got any of these phone numbers other than they are all on the same phone plan. I have no idea what she is talking about but I do know her actions are in violation of the FDCPA. I was attempting to call her back to get more information and she refused and said that I did not work for her and that I needed to pay my bills. XXXX XXXX is using abusive, threatening tactics to frighten people into paying debit they may or may not owe. The number from which she called appeared to be local, which also means that the company is " spoofing '' phone numbers. The number used in this case was XXXX.
Consumer complaint received 2018-11-27
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. (FL)

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I purchased a dog online which everything seemed so legit since we sent lots of emails and texts before hand. The other person gave me an email to send $ through XXXX or and a chase account # to wire transfer to another chase account.. Ive never used XXXX and figured since it was through my bank I had security.. I sent {$750.00} to a XXXX XXXX and never heard back from him again. I am devastated and dont just have {$750.00} laying around. Chase told me they contacted XXXX but really have nothing to do with XXXX, they are a 3rd party and im pretty much out of {$750.00}. I would think if you have this selection through your bank there should be more security because lots of other customers who dont know about XXXX will think the same as me.. please help me
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 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 2018-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I owe for XXXX XXXX XXXX.For XXXX.thru XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Financed byXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I am behind in payment, but, have submitted a partial payment twice this month.One to reach them on XX/XX/XXXX. 
I am being called at least once a wk.for payment.This morning I stated I would send another payment in XX/XX/XXXX when I receive my Social Security Payment
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

On XX/XX/XXXX, I received an unemployment deferment for the period XX/XX/2018-XX/XX/2018.  Now I am receiving monthly statements and emails suggesting my account is in arrears. More importantly, I am receiving unemployment benefits and those statements and messages are adding to my stress and ire.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.