davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Consumer complaint received 2015-05-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (DC)

I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago. 

I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees. 

According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (FL)

XXXXXXXX XXXX Account XXXX xxxxxxxx XXXX I wrote to Equifax on more than XXXX occasion informing them that this is not my debt and I am not responsible for this debt. This is actually my ex-girlfriends debt and I would like it removed from credit report. They have not done so. I did not apply for this debt and I am not liable for this debt so I don't understand why they won't remove it from my credit report.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/22, I received a letter from the Department of Education XXXX XXXX XXXX indicating that my Student Loan Consolidation was approved and that the TOTAL Indebtedness was {$22000.00} and was being Consolidated from a Private Student Loan Held by XXXX XXXX ( which had been transferred from Nelnet a month prior ). On XX/XX/22 ; I received a letter from Nelnet indicating that the loan was completed and that they were now servicing this loan with a current balance of {$22000.00}. 
In XXXX XXXX, I was surprised to see that Nelnet had not XXXX, but XXXX Loans now listed on my credit report with a total balance of {$44.00}, XXXX! Somehow ; Through this Loan Consolidation, I now had more than DOUBLE the XXXX. I have only ever had XXXX Student loan and Nelnet Was my Loan Servicer for several Years prior to Transferring it to XXXX XXXX shortly before I applied for Consolidation. 
In Reviewing My Nelnet account, they now have XXXX loans, XXXX is a XXXX XXXX  XXXX for {$22000.00} and the other is a XXXX XXXX XXXX  for {$22000.00}. 
I have attempted to contact Nelnet to correct this error, several times both through e-mail and XXXX, with no response. I have also tried to call several times, and just get a message that due to extremely high call volumes, I should try my call at a later time. 
I am Attaching all of the pertinent information
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: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX 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 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 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

My car was totaled I had a XXXX XXXX and the finance company did a charge off at XXXX XXXX auto paid them XXXX they however said it was not settled and took the check and is reporting on my XXXX   credit report that it was charged off in XXXX at XXXX they are not trying to update the balance which is XXXX they are reporting inaccurate info
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

Coinbase took {$50.00} from my bank and i bought {$50.00} in crypto. Coinbase had issues receiving the money from my bank, but ultimately ended receiving payment. Coinbase took my {$50.00} from my bank, and Coinbase took my {$50.00} in crypto, leaving me without either one after i paid for it. There is no Customer service agent for me to talk to on the phone or through live chat. They do not respond to emails, and there is nothing i can do, Coinbase stole my money and my crypto, and there is no customer service department to report it to.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with XXXX XXXX XXXX and the original creditor ( XXXX XXXX XXXX ) about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company ( XXXX XXXX XXXX ) in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have opened a capital one savor account ( not the ONE ) in XX/XX/2019. 

APR promotional read a 12 month 0 % during when I was opening the account and still does ( XX/XX/2019 ), see below : https : //www.capitalone.com/credit-cards/savor-dining-rewards/ Annual Percentage Rate ( APR ) for Purchases 0 % introductory APR for the first 12 months that your account is open. 
After that, your APR will be 16.24 %, 21.74 % or 25.24 %, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. ( made a screenshot just in case ) It also shows here : https : //www.capitalone.com/credit-cards/dining-and-entertainment/? XXXX & XXXX & XXXX where I believe I applied. 

Now when I check my statement it appears they are charging me interest rate and my rate is 16.24 % 2 month later. Where is the introductory APR? 

There were no asterisks when I applied, but the company during phone call told me that the APR we provided did not include an introductory rate and was in your documents. 

This is extremely misleading and seems like malpractice to do that and still have that information on their website.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

A credit card JPMCB CARD SERVICES waS opened XX/XX/23 with a balance of XXXX which I did not open. I received an alert from my bank
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

I noticed my credit rating went from the low XXXX, to low XXXX so I checked my credit report. Theres a collection account with a balance of {$370.00} listed with a collection agency called XXXX XXXX that has a date of XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX The original debtor is XXXX XXXX 
All of the information above is provided on the credit report. 
I called the phone number above. Someone answered but told me to call a different number XXXX. Its an automated system that asked for information to look up my account. I confirmed personal details, including the last 4 of my social. I thought it was trustworthy because its a record on my credit report. I was disconnected 5 times and couldnt speak to a representative. 
The credit report now shows a new personal address for me thats in Texas. Ive never lived in texas. It shows that the collection agency added it for me. 

A few hours later I got a message from ( XXXX ) XXXX that said that a law firm is going to place a lien on my house because of a past debt. The message gave me a new phone number ( XXXX ) XXXX for XXXXXXXX XXXX XXXX. I called and basically he was trying to get me to pay a settlement of {$5800.00} which is half of what he says the lien will be. He wanted me to use a bank card of some sort to pay the settlement. He had all of my personal information including the last 4 of my social. It was just after I confirmed that info with the collection agency from my credit report that he called and had all of this info. He sent me a docusign email that was from client services. I never clicked on the link to go further. He became angry whenever I asked him to confirm that hes from a law firm like he says and its not a scam. I eventually just hung up on him. He called back right away and I answered just to be able to hear him be angry about that so I could hang up again. He called 3 more times, but I havent heard from him since. 
Sorry for the long explanation. But I figured the more details is better. 

I disputed the claim on my credit report with Experian. 
I think both are scams and maybe one was phishing for the other.

Thanks
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, XXXX, XXXX and experian to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Consumer complaint received 2022-08-18
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. (GA)

15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A 1XXXX XXXX  XXXX  Original creditor : XXXX XXXX  XXXX  XXXX  Balance on XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit grantor 's internal collection department 2XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 3.XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$14000.00} Account info Account number-XXXX  Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 4.XXXX XXXX  XXXX  Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account number-XXXX Account status-Closed Date opened-Jul XXXX, XXXX Account type-Credit Card 5.XXXX/XXXX  Account info Account number-XXXX  Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card 6.XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account number-XXXX  Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card 7.XXXX  XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account number-XXXX  Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card 8.XXXX  XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account number-XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has my Membership Rewards account frozen and doesn't let me use my earned points in any way. I have contacted them about this in the past and they stated the points would be released after the 90 day review period that started on XX/XX/2019. That review period is over and the points are still not available. I've had 3 calls from the membership rewards team verifying I'm the person trying to use them and when I confirm it, they're puzzled on why I can't use them.
Consumer complaint received 2019-02-06
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. (IN)

I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (WA)

Around XXXX XXXX, XXXX tried to apply for a credit card to XXXX XXXX but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it XXXX XXXX XXXX I called XXXX to ask them about the problem and the costumer service told me to report the problem to you guys. the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.
Consumer complaint received 2022-08-18
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: Resurgent Capital Services L.P. (OH)

in accordance with the fair credit reporting act XXXX account # XXXX, *** has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}