davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). I have noticed that there are several inquiries on my report that I do not remember authorizing. Given that these inquiries might be fraudulent, I would like them to be removed from my credit report immediately, as allowed by the FCRA. 

The following are the details of the inquiries that I wish to dispute : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and to have it corrected or removed. I do not recall authorizing any of these inquiries, and I believe they may be fraudulent. Therefore, I am requesting that they be removed from my credit report as soon as possible, as allowed by the FCRA.

I understand that the information on my credit report is important for lenders and creditors to evaluate my creditworthiness, but I am confident that the removal of these inquiries will not impact my credit score in any significant way.

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to assist in the removal of these inquiries from my credit report, as allowed by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was contacted by Chase about fraud on my account using XXXX payment. They confirmed my account by calling me back and the phone number listed was the same Chase number that is on the back of my debit account XXXX. Explained to me in detail what I needed to do to protect my account. At the time they instructed me to send {$1800.00} to myself but the number was XXXX. The money was then sent and wasn't able to stop the transaction. The whole ordeal lasted about 15 min. At the time I was out of town on vacation so it was difficult for me to understand that Chase fraud itself was the scam. I've spoke to Chase and have open 2 claims and both were denied. Now that this has happen I even saw a local news report that states the exact scenario that happen to myself. 

https : XXXX
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I made a mis-payment of XXXX on XX/XX/2018 from my checking account electronically to Capital 1 credit card that was closed inXX/XX/XXXX. I have made numerous attempts as well as XXXX XXXX XXXX to rectify this problem since XX/XX/XXXX without resolve. I have spoken with 6 different supervisors at Capital 1 at XXXX. I have supervisors employee numbers if needed. The Case # is XXXX Credit card # is XXXX. I am very frustrated and do not know what else to do to recover my {$200.00} mis-payment. Any help you can give me would be greatly appreciate. I have documentation that I am unable to submit with this form. I have a letter from Capital One and my bank account payment to Capital One on XX/XX/XXXX. If this documentation is needed for you to move forward on this complaint, I will gladly mail it to you or try and email it with the attachments.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

When the original debt which was XXXX XXXXXXXX XXXX XXXX charged off the account XXXX XXXX XXXX bought the debt for pennies on the dollar and tried to collect more than was owed on the original debt. Then the account was transferred to Pressler & Pressler and they sent letters to go to court and I was unaware since I had moved into a new place. They do not own the original debt nor have provided documentation to prove the original application was with Pressler & Pressler and or XXXX XXXX XXXX. Now they want to threaten with wage garnishments and embarrass me at my employment. They have violated FDCPA and FTC legislations and undermined my knowledge on this matter.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

On XX/XX/2018 I paid over 9,000 dollars in student loans and made the payment in full. I had spoke to a rep over the phone to make my payment with sallae mae. They advised that the loan is now paid in full, now today XX/XX/2018 I receive a bill stating I still ow {$140.00}. I do not believe i Should pay considering a rep had stated that it was now paid in full. I was on auto-pay before and I never missed a payment. I do not believe I should be help responsible considering I was told othewise. Spoke to the Sallae Mae Supervisor and she had stated that she will not waive anything. She spoke to me and interrupted me multiple times. I want this to be known. Sallie Mae is the worst loan company to deal with. Do not ever go to them!
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2018, {$180000.00}, Seems the settlement company 's email system is hacked. A fraud person send the wire transfer information, trying to get the settlement fund other account. Below is the fraud bank information : WELLSFARGO BANK, N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ABA # XXXX XXXX XXXX CREDIT TO : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I had an account with XX/XX/XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my Experian credit report. I confirmed with XX/XX/XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XX/XX/XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the CEO of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my Experian credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my Experian Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
Consumer complaint received 2018-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Naviant has a web portal for viewing loans. This information does not include what portion of the loan goes towards interest and principle. There is no statement provided that give this information either. The lack of transparency traps users into never knowing how much is actually going against the principle balance and is deceptive.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (TX)

Rausch Sturm calls my house daily and has for the past few months about a debt that I do not owe. I have called them back multiple times and they claim my home phone number is not listed so they can not fix the issue.
Consumer complaint received 2018-05-03
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: Convergent Resources, Inc. (NJ)

I viewed my credit report and found an error on it with a collection company XXXX XXXX saying I owe {$10000.00} in which I know nothing of and this would be some sort of error on my report. I wrote the company in XX/XX/2018 and they never responded to my dispute. This item is reported on XXXX and XXXX and is affecting my credit scores. I would really like for this error to be corrected.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX wrote a Wells Fargo North Carolina check payable to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX for the amount of {$980.00}. This is for an outstanding invoice XXXX for {$980.00} However the Wells Fargo check was misplaced or stolen and cashed at a XXXX XXXX XXXX on XX/XX/2018. Noone knows the signature on the back of the check. Don't understand how this is possible because the check is made out to XXXX XXXX XXXX. 

XXXX XXXX XXXX  went to the XXXX Police Department to file a report and spoke to : XXXX XXXX XXXX Administrative Police Officer  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX The main contact at XXXX XXXXXXXX has been the Accountant named XXXX at XXXX The main contact at XXXX XXXX XXXX has been the Accountant XXXX at XXXX. 

XXXX XXXX contacted Wells Fargo who stated that XXXX XXXX XXXX needs to file a complaint. And Wells Fargo told XXXX XXXX XXXX that it is XXXX   XXXX that needs to complain. So Wells Fargo has done nothing to help or rectify the situation.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One us involved in a dispute with my employer. As a result, as of XX/XX/XXXX, they have been retaliating against employees such as myself, by preventing us from accessing the bank 's website for any purpose whatsoever -- including online banking. The computer which my employer issues me is my primary device and it is permanently connected to my office network, which means that constructively, I am perpetually blocked from accessing online banking. 

Capital One is blocking users such as myself from accessing online banking for wholly inappropriate, completely unrelated reasons unrelated to my activity as a customer. Furthermore, because their mobile application is not functionally equal to their online banking portal, they have given me no equivalent recourse. 

Through my employer, I have raised this issue directly with senior management at Capital One ( VP Enterprise Digital Products, and Sr Digital Product Management ), and my employer has specifically guaranteed that only employee-customer traffic will be sent to their office. Nowhere in Capital One 's online banking agreement is this condition imposed in order for me, a private customer, to access my account. However, Capital One has not accepted these terms and continues to block employees such as myself, who are also customers.
Consumer complaint received 2023-03-17
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. (TX)

The removal of one of the inquiries was taken off from XXXXXXXX XXXX XXXX XXXX However, the other XXXX were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, XXXX XXXX I on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase bank, and on XX/XX/2022 i went through the drive thru service to withdraw {$8000.00} from my savings account. The teller did not ask how i wanted my bills ( as accustomed ) and she proceeded to give me all types of change from {$100.00} 's to {$50.00} 's to {$20.00} 's. I counted the money while in line and proceeded on my way ( no transaction receipt was provided to me ). During the week i tried to deposit that money to another bank and the bank will not take 1- {$100.00} bill. On Wednesday XXXX, when I had a chance i called the bank where i received this money but i had no luck reaching anyone. It wasn't until Friday XX/XX/XXXX that i had the time to stop by the bank to try to handle this issue ( thinking they would take care of me ) but instead they did not take responsibility for this. Instead they told me why it took me so long to report this bill back to them and that the only thing they could do was to send the bill to the " federal reserve '' and have them re-issue the bill to me. I followed up with them today XX/XX/XXXX ( 2 weeks later ) and now they are saying the secret service in XXXX TX is looking in this. I am in awe as how this is being handled and never have i EVER dealt with issue like this in any other bank institute. This XXXX XXXX was given to me at Chase in XXXX XXXX TX and the way they handled the situation with me is not acceptable.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DataMax Corporation (NC)

This is a complaint against Datamax Corporation ( Collection Agency ), XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Datamax Corporation is in violation of the North Carolina Consumer Protection Laws regarding the requirements of collection agencies having a license, bond, or both to be able to collect in the state of North Carolina. The North Carolina XXXX XXXX XXXX website shows Datamax Corporations XXXX # XXXX, XXXX  State ID # XXXX as an Inactive status with an expiration date of XX/XX/XXXX. 

I find that this collection agency is deficient in this requirement. Therefore, I request that Datamax Corporation be removed from my credit reports ( XXXX, XXXX, XXXX ) immediately. Ive already sent a HIPAA Collection Agency Validation, Dispute, Cease & Desist Letter to Datamax Corporation and the Original Creditor XXXX XXXX XXXX on XX/XX/XXXX via certified mail and have given both the opportunity to honor my request within 10 days of receipt of my letters, but still have not received any response from either company, or an update to my credit reports ( XXXX, XXXX, XXXX ). 

Any assistance from you in regard to this matter, will be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-22
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. (IN)

I have made several requests for Transunion to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. Transunion has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court XXXX XXXX
Consumer complaint received 2018-08-22
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. (GA)

During XX/XX/XXXX-XX/XX/XXXX I lost my job and was going through severe financial hardship. I filed a financial hardship letter around XX/XX/XXXX and XXXX XXXX XXXX XXXX acknowledged my financial hardship and restructured my loan for me to make my payments lower. 
I have been on time with payments every month since then, up until and including this month of XX/XX/XXXX. 
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX claims they have no power to remove the late payments due to financial hardship, and said I could file a complaint or converse with the credit bureaus to have this unfortunate mistake removed from my report.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2018-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MS)

My student loans where on the income driven repayment plan. After one year I was up to renew them and I was also enrolled in school. When I contacted XXXX about renewing my annual repayment plan the representative stated that I was in school and that I could have them forbearance. I told her no thank you. She stated that when you enroll in school the system would automatically place you in forbearance. I explain to her that I am okay with paying my loans and that I would not like for my loans to automatically do that. I explained that it was not helping me or my loans my giving me the option to do that when I am able to afford the income repayment. She then stated that she would fix my account so that my loans would not automatically go into forbearance. After getting off the phone with her a couple of weeks later I would be surprised to find out that my loans went into forbearance after I inform the company that I did not want this to happen or that option. Call the company back and the guy inform me that he would fix the issue that it wasnt processed correctly. They company are thriving off keeping students in debt by giving them the option to live now and pay later. Meanwhile the interest is stacking up and making my loan bigger than what I initially borrow.
Consumer complaint received 2022-07-08
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXn XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.