davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
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. (NV)

i am a victim of identity theft, my personal information was used by thiefs to open fraudulent accounts ... After filling FTC identity theft report with Federal Trade Commission i have sent a Request to Equifax to block fraudulent accounts from my credit report under FCRA 605B. My Request letter was sent on XX/XX/2019 Via Usps Certified mail and received by Equifax in XX/XX/2019. In said request letter i have enclosed Copy of my FTC identity theft report, proof of identity, copy of Credit report and copy of Fair Credit reporting Act Section 605B. As per FCRA 605b credit reporting agency is required to block fraudulent accounts from my credit file in 4 business days after receiving my request. As of today XX/XX/2019 fraudulent accounts are still on my report and are not blocked. 
Please see the Copy of my request along with required documents sent to Equifax attached.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 with the balance of {$49000.00} and debited my account on XX/XX/20 in the amount of {$8400.00}. up to this moment i have not heard from Chase. Chase debited the aforementioned amount from my account and refused to release my hard earned money.
Consumer complaint received 2019-06-13
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (AR)

I had a friend ask me to co-sign a loan for her. I agreed to do so and provided my information to her to start the process ; this was in XX/XX/2005. The amount she asked me to co sign for her was {$5000.00}. I did not find out until later, that the my friend had signed my name ( as suggested by the school she was attending ) as the primary borrower on the promissory note. I never signed the promissory note as a primary borrower or co signer. I also never received nor cashed the check. Im unsure if the check even had my name listed as a payee or hers ; I have never seen it. I was out of the country at the time when the check was disbursed. My friend at the time, had a third party ( her boyfriend ) deposit/cash the check in his account. I never saw the check and a copy of the check was never provided to me even upon request. I was not made aware of what my friend had done until I began receiving past due notices and after requesting a copy of the promissory note. I also notified the loan services who was Sallie Mae at the time. They told me I had no recourse and I had to pay. This back and forth with them and her went on for years ultimately with me refusing to pay another dime toward the loan. Eventually they ( Sallie Mae, now Navient ) provided me with a fraud packet which I completed and returned to them. They stated our signatures were similar enough and I provided her with the information so I was responsible even though I never signed any documents. They also would not reopen the fraud case until I provided them with a letter from my friend admitting the fraud. During the course of their investigation they never once spoke to her ( this was relayed to me by the investigator ). Also, Navient stated they would report to the credit bureaus completed investigation of FCRA dispute-consumer disagrees. They have only reported the loan as delinquent. I receive multiple calls a day all week long, threatening default regarding the loan, requesting payment, to verify my payment information, etc.
Consumer complaint received 2019-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

When I was in school my dad helped me apply for a loan. His friend was able to be my co-signer at the time. Once I graduated, my consigner began to harass me and bully me into releasing him from my loan. I tried to reach out to the company to make it happen but they said that I would have to wait 12 months before applying. Last month my co-signer sent me an email requiring me to remove him as my co-signer by XXXX because he is moving to XXXX and will not contact me. I told him that I have to wait 12 months and he became very angry with me and my family. I have been BEGGING the company to remove him or at least replace him with my dad ( who has offered to do so ) because of the constant harassment I am facing. I don't understand. I have been with this company for years and have always paid on time or told them if I loss my job and need to lower payment. I have a well-paying job and have autopay. Why can't they not ( just this once ) refrain from using their process and help me in a time of need and abuse. I am literally being mentally and emotionally abused by this person and need to remove him before something happens. I am begging my company to just do the right thing since he is moving to another country and won't even help me if something went wrong. Why won't they help me. That is why I have to each out to consumer finance for HELP!
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I mailed Experian my XXXX, social, current mailing and home address, former addresses for the past 10+ years, XXXX XXXX XXXX bills, phone bills, etc and even included a {$10.00} check .... They received my package on XX/XX/XXXX and have yet to contact me or remove the Fraud alert and Freeze from my account. I have called many times and gone through all the prompts. I have tried calling 3 different phone numbers on at least 10 different occasions each and can not reach a human. I have even emailed explaining all of the above and have heard nothing. My email said call me now!!!!! I'm trying to buy a XXXX and I have literally spent weeks trying to resolve this. Experian blacked out my phone number on the credit report so that XXXX needs to get the freeze removed so that they can see the phone number to call me. They must do this because I had put a Fraud alert in order to protect identity back in XX/XX/XXXX when XXXX had their breach. 

How does the government allow a credit bureau to have so much control over a persons life????? There is no accountability with these bureaus. XXXX is associated with XXXX, so XXXX made a ton money off people when they had a breach and they weren't accoutable, in fact since they own XXXX, they made a ton of money off the XXXX breach. They probably planned it as XXXX had their best year ever. 

My letter to them, which tracking proves they received on the 3rd, insists that they permanently take me off Freeze and Fraud alert. All of this has actually lowered my Excellent credit score. PLEASE HELP ME!!!!
Consumer complaint received 2022-04-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (TX)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Account # XXXX XXXX : XXXX, XXXX {$19.00} Dear XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I bought a XXXX XXXX parts set for {$760.00} and during checkout, I realized that they do not accept any other means of payment but straight withdraw from my bank. Yes, it was stupid of me, but the price was good and my greediness took over, so I decided to give it a try. After couple of weeks tried to reach those guys over the email - no response. I was lucky to be able to talk to the same guy 3 times over the phone after hundred tries. I was told to wait two weeks all three times. And here I'm - it is already XXXX and no parts, no responses and nobody picks up a phone anymore. Interestingly that another company took care of the money transaction : XXXX XXXX XXXX, which has an address : XXXX XXXX XXXX # XXXX, XXXX, California, XXXX. The phone number is XXXX XXXX XXXX XXXX. I made some search on internet and found out that XXXX was established in XXXX of 2020 and since than some more people filed complaints about being cheated for about the same amount with XXXX and some wrote to other media company that help to spread info about fraudulent websites and merchants.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-05-08
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX US SM BUS ADMIN XXXX XX/XX/2021
Consumer complaint received 2020-09-16
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX   XXXX BANK CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (CA)

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX First Source Advantage, LLC XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX Acct # XXXX Amount {$890.00} Dear First Source Advantage, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of XXXX  and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX/XXXX  XXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX, I contacted Calling XXXX and wanted to receive daily calls because I live alone. The fee was {$170.00} and I gave my Citizens Bank debit card. A few days later a Company called XXXX XXXX XXXX called me that Citizens denied payment. I was not told XXXX took care of their accounts. Once they said Citizens didn't pay them, I gave XXXX another payment. What then is the issue? Either Citizens paid or didn't. If they didn't pay why hold my money? 
I called XXXX. they said once the payment was denied, they destroyed all the paperwork. They do not have anything to show. 
My problem with Citizens is that they should have a record of when and to whom they paid the money. They are asking me to show information which they should be doing. 
I sent two letters and sppoke over the phone two or three times. I have copies of the correspondence between the bank and me. The claim # : XXXX.
Consumer complaint received 2022-04-04
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: CITIBANK, N.A. (CA)

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX  results that I was in hospital  and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax and XXXX  should not be reporting that I am ( 120 ) 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 would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2021-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital # XXXX The merchant showed a transaction signed by my nephew ( secondary card holder ) I am not doubting this. I paid graduation ceremonies for {$210.00}. This was to be held on XX/XX/2021 but cancelled due to COVID till XX/XX/2021. My nephew 's XXXX  expired on XX/XX/2021 and had to return home to XXXX. Thus, I am asking chargeback for services NOT rendered. 
Breakdon of fee is as follows : Cap and gown rental XXXX XXXX XXXX Cap and gown refundable XXXX Ceremony photographer XXXX Graduation Activity Fees XXXX Gradusation Fees XXXX Total XXXX XXXX {$210.00} ) My concern is why should I pay for ceremonies and cap and gown when cancelled. 
I returned cap and gown and promised refundable part XXXX XXXX XXXX XXXX to my nephews bank account which was closed due to his return to XXXX All charges are related to graduation ceremony and auxiliary activities ( venue, photographer ) After 2 letters to Capital and two tries to request written response from Finance Dept without response, I hope my case is clear to continue with dispute Assumption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Fax XXXX