davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NJ)

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-27
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX & XXXX XXXX Balance : {$850.00}
Consumer complaint received 2022-05-17
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. (NJ)

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (ME)

I took a loan out for a little more than XXXX from XXXX XXXX in 2006... I have since then paid over XXXX back and still have over XXXX in interest to still pay. I know that it went to another company maybe even XXXX. navient and or aidvantage. I have already made a complaint about this and XXXX XXXX said it wasnt them?
Consumer complaint received 2022-10-13
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (NY)

On XX/XX/2022 {$820.00} was deducted from my account. I was told that I paid my monthly bill which I never was aware of.. I've emailed and called the bank from approximately XX/XX/XXXX until XX/XX/XXXX or XXXX. They've told me to cut off the money my pay feature and still they said that can't give me the money back. First they told me they give me back {$300.00}, than all of it and that they've mailed the check, to none of it back. This all on a recorded line of them mentioning these things to me.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

At the closing for my condo, I paid all fees due at that time. However, there was a status letter from XXXXXXXX XXXX that was not included in the settlement statement. I was not aware of this, paying all fees I knew to be owed in good faith. At a date after the closing, I was made aware of the assessments that were in the status letter and not included with the fees due at closing. Agents of Capital Title and XXXX XXXX of Makower Abbate Guerra Wegner Vollmer PLLC both acknowledge that these fees were not presented at closing. Michigan XXXX XXXX XXXX of XX/XX/XXXX ( XXXX XXXX ) does not allow fees missed at closing to be collected after. However, these fees were sent to collections ( XXXX  ) and that agency has steadily tacked on their fees as well and have filed a Notice of Lien against my home.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/year> and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX XXXX XXXX XXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

on. for 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Unions XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX # XXXX XXXX XXXX XXXX : {$700.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX FIN XXXX Account # XXXX Date XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00XXXX XXXX Account # : XXXX Date XXXX Balance : {$13.00XXXX XXXX XXXX Date XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 16 81c. ( a ) ( 5 ) Section states : no consumer reporting agen

cy may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 any reasons.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX or XXXX Reference : Wells Fargo Home Mortgage Account # XXXX Complaint # XXXX I am compelled by unfortunate circumstances and much against my will to file this complaint. 
I became a Wells Fargo Home Mortgage, Homeowner, XX/XX/XXXX. 
I refinanced my mortgage with XXXX XXXX in XXXX. 
My principal balance was {$94000.00}. I paid {$94000.00} at closing. I called Wells Fargo to inquire in reference to the {$100.00} dollars per month I paid on the principal for XXXX years until I closed in XXXX. 
I called Wells Fargo several times. I only received one response. I havent received any other notices since XXXX of XXXX. 
I have copies of all tax returns, and monthly statements if needed, according to my accountant Wells Fargo owes me {$10000.00} dollars.
Consumer complaint received 2022-10-27
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)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-13
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. (OR)

THERE WERE INQUIRES ON MY CREDIT REPORT THAT I WAS NOTIFED BY MYFICO ALERT THAT I DIDNOT AUTHORIZE- I SPOKE TO THE BANKS AND THEY STOPPED THEM AS WELL AS MARKED THEM AS FRAUD- EQUIFAZ HAS NOT REMOVED THE INQUIRERS EVEN THOUGH THEY WERE NOT MINE AND WERE FRAUDENLENT-
Consumer complaint received 2022-10-13
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)

I JUST RECIEVED MY REINVESTIGATION BACK FROM TRANSUNION. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION OF 15 USC 1681i ( 7 ). 

BECAUSE THE LIST OF ACCOUNTS BELOW ARE NOT ACCURATE. THE OPEN DATE, DATE LAST ACTIVE, AND DATE OF LAST PAYMENT IS NOT 100 % ACCURATE. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX THEY DID NOT MODIFY OR DELETE THE INACCURATE INFORMATION ON MY CONSUMER REPORT ACCORDING TO 15 USC 1681i ( 5 ) ( A ) ( i )/ I attached a consumer report as evidence.
Consumer complaint received 2022-05-17
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. (CT)

Hello, I used to have a credit card with XXXX XXXX. Few years ago for non payment they took me to court and I didn't appear because I was sick and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past XXXX years. XXXX XXXX has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them. I already disputed with you guys and they verified the incorrect information.
Consumer complaint received 2019-07-19
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. (MO)

My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 )  XXXX XXXX {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX   {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX   XXXX XXXX  {$700.00} 12 ) Chapter XXXX Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX/ XXXX  {$2100.00} 16 )  XXXX XXXX {$28000.00} 17 ) XXXX  XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have had a lender try and pull my credit report for three weeks now. Every time they pull it come back with repository system error from Equifax. I have called in over 20 times about this, staying on hold at least two hours each time. I have been refused a supervisor and told it was my fault. I have been hung up on when someone refuses to help. I have also been told they refuse to escalate the situation because nothing is wrong. When I finally got the speciality department they told me they are the problem but would have to call me back in 24-48 hrs. I did not receive one call. When I returned the call to find out why the representative told me nothing is wrong and they refused to escalate the situation. This is the worst customer service I have ever dealt with. I speak to reps giving fake names and refuse to get supervisors each time when they clearly cant fix the issue. One rep lied and said she couldnt pull my file, then when I asked to speak to supervisor she then said she would pull it. I refused. Finally got supervisor after an hour wait and they pulled it but then hung up on me again. This has happened to me before when my file was mixed with someone elses and I had fraud. I tell them that and they act like I dont know what Im talking about. This is for a mortgage and creating issues.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CT)

On XX/XX/XXXX I sent a letter of Debt Validation pursuant to 15 USC 1692g to XXXX XXXX XXXX XXXX XXXX for the alleged debt they are attempting to collect from me as an alleged debt collector for DISCOVER BANK. I already submitted a complaint against DISCOVER BANK for attempting to collect an alleged debt I do not owe as to get a secure card you have to give the money upfront to receive " credit '' back. Also, I am the original creditor, so how can I owe this alleged debt. I paid this alleged debt regardless and now there are XXXX companies trying to collect a debt NOT OWED! They are also furnishing false and deceptive information to my consumer reports which is a violation of my rights! I sent this debt validation letter XX/XX/XXXX in which XXXX XXXX XXXX XXXX XXXX received through certified mail on XX/XX/XXXX. This company has not responded to my request and is still attempting to collect on the alleged debt. They are claiming I owe {$250.00}
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I was advise by XXXX, Equifax that my XXXX Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened. 
15 usc 1681 section 602 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
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the District of Maryland stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2022-10-27
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. (CA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXXXXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX XX/XX/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 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Since XX/XX/2021 Contacted FSA in regards to forgery with my loan illegal transfer as well. I was told I am under federal loan. 
I was informed by FSA they would not entertain assistance, if I was not federal loan, yet my loans have not been dealt with accordingly nor honorary loan pay freeze. I have interest added up making payment high now. My profession has been undermined and not categorized as a essential and XXXX XXXX XXXX XXXX XXXX, which brings the attention to why XXXX XXXX are not provided loan forgiveness as XXXX  have recently. We are essential XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX