davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
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. (IL)

I disputed these accounts on multiple occaions and Equifax will not excpet my Identity theft package Im at the piont where im ready to file a lawsiut agains Equifax this ia voilation of my consumer rights air credit protaction Act.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am lodging a complaint with the CFPB to challenge the presence of fraudulent entries on my credit report. In line with the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any erroneous, deficient, or unverifiable details from my credit file. Upon scrutinizing my credit report, I came across multiple fraudulent items that were not authorized by me, and hence should not be included in my credit file. I hereby request for the removal of the following items from my Credit File as soon as possible, in compliance with section 605b of the Fair Credit Reporting Act : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XX/XX/2021. I have reported the fraudulent activity to the appropriate authorities and provided all necessary supporting documents. I urge you to investigate this matter and expedite the removal of these fraudulent items from my credit file.
Consumer complaint received 2019-01-12
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. (AL)

Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.
Consumer complaint received 2019-01-12
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. (AL)

Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.
Consumer complaint received 2019-01-12
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)

Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XXXX, she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX/XXXX  = {$7200.00} which was sold to XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-XXXX
Consumer complaint received 2019-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient is threatening me with reporting it to the Dept of Education.Asking for entire balance " immediately '' Threatening me with paying more interest, Garnishing my wages and other legal action.I have a seasonal job and I am working sometimes only one or two days a week.I 'm struggling to pay my rent let alone feed myself.I need some kind of deferment or loan forgiveness or some relief plan. 
They have given me 30 days from the XXXX. of XXXX 2019 to comply.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Equifax has 2 inquiries I have disputed that have not been removed and I did not authorize These need to be removed immediately. 

XXXX/XXXX Inquiry from XX/XX/2018 National Credit Card XXXX. 
XXXX, XXXX. 
Inquiry from XX/XX/2018 All Others
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Somebody in Chicago got my social security number date of birth and open up a savings and a checking account with USAA I contacted them they told me to contact you to report it they closed the account and froze it I don't know what is going on someone has my information using it for their own purposes
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 you 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. 
XXXX 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
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 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 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2018 I was involved in a scam.My XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.
Consumer complaint received 2019-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit System continues to ignore my request for debt validation. They have not responded and the items must be removed from my credit report of alleged debt of {$1100.00} ans {$520.00}. The information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit, I am now seeking Injunctive Relief through the courts. This is poor reporting practices of " obsolete, inaccurate, irrelevant, outdated, misidentifying, incomplete, incorrect, erroneous, and misleading '' information on my credit report. Defamation of character and willful injury
Consumer complaint received 2019-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2018, I mailed a Validation of Debt Letter to the debt collector, TRANSFINANCIAL INC.

Stated in the letter, I asked for Original contract signed showing the reason for debt, and calculations of Debt.

I have NOT received a response. It has been 30days.

I have mailed a certified letter to the address reported to the credit bureau.
Consumer complaint received 2019-01-12
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. (FL)

Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XX/XX/XXXX she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX  ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX = {$7200.00} which was sold to XXXX   XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XX/XX/XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-XXXX
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MA)

In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.
Consumer complaint received 2019-01-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

I have been in contact with XXXX XXXX Customer Service for several month to reduce my payment and they are not willing to work with me. I have filled out 2 financial sheet and the rep discuss with me that I have a negative income and don't see why I couldn't get my payment lower. I keep going back and forth with them, telling me to call back to get the different answers/results. They are ignoring my complaint and concern. I have paid off the smaller loan of XXXX and still they will not work with me to lower my payment. I email XXXX XXXX to see if they will work with me, and was told that they would be able to lower my payment to what I requested but they also need to talk to my co-signer. Once my co-signer called he/she was told something different, that they will not lower the payments. I have been making small payments and they said that doesn't matter and now myself and the co-signer have a default/delinquent on our credit reports. I have been trying in good faith to pay something, but I'm not getting anywhere with them making XXXX hr job and other necessary living expenses and loans and the same goes for the co-signer.
Consumer complaint received 2018-11-27
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 (TX)

I signed a lease and paid a security deposit on a property in XXXX, NC on XX/XX/18 with XXXX XXXX. We were unable to take posession of the property due to a dangerous domestic situation and the flooding of hurricane Florence left us physically unable to reach XXXX as all roads were closed between XXXX and XXXX. I communicated this to him and his business partner. I had no choice but to return to our home in Texas for our safety and communicated this. I offered to send a certified letter to break the contract and was provided a non-existent address. When I asked who owned the property, all communication ceased. Upon further investigation, I discovered through the county tax records that XXXX does not and has never owned this property. He presented himself as the owner and, in addition, per county tax records and real estate listings, this home is not a 3 bedroom as advertised, it is a 2 bedroom. I was told by the person he presented as his property manager, a XXXX XXXX, that she would attempt to get me a partial refund for the deposit I had paid. That never occurred. In XXXX, after 2 months of no communication, their company attempted to fraudulently charge my credit card for {$1000.00}. At this point, I felt that the entire situation was fraud and I attempted to dispute the original charges. I presented my evidence showing all of the above to Capital One and sadly, they told me this is a civil matter because I did not have a receipt of cancellation. I was not able to receive a receipt as the people named would not provide me with the correct contact information to send a letter to cancel the contract. I stongly disagree as I was presented with something that 1. Did not belong to these people 2. I was not allowed to cancel and receive a recepit of cancellation because they would not provide me with the correct address and name of owner and 3. The home advertised is not as presented ( 2 bedroom not a 3 bedroom ). I would like my money refunded. 
I spoke with the XXXX Police Department on XX/XX/2018 and they told me that this is a matter of fraud. They advised me to also report this information to the FBI fraud website as they have a broader jurisdiction. I can not believe that Capital One is treating me as a liar when I have been a victim of fraud.
Consumer complaint received 2019-01-12
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. (TX)

My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
Consumer complaint received 2019-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
Consumer complaint received 2022-07-26
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. (NC)

I have been disputing a fraudulently opened account on my Transunion credit report for years. The last time Transunion actually allowed them to even re age the account and still verified it as accurate. I have contacted this company named XXXX that has a negative mark on my credit for XXXX and I have asked for any information or documentation of the debt, they have so far refused to provide any such documentation they in collaboration with Transunion just keep reverifying and re aging the account without actually investigating the matter. I have asked Transunion several times to do a real verification and they refuse to do so. So, I am stuck either paying a frequently opened account just because Transunion and XXXX say I owe it with not one shred of evidence, contracts or any signatures confirming the debt.