davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2015 Balance {$25000.00}
Consumer complaint received 2019-01-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CFW Holdings LLC (TX)

I applied for a loan from Cash For Whatever. I missed 1 payment for the loan due to being effected by the government shut down. They keep calling my job everyday. My employer has threatened to write me up if they do not stop calling my job. I have asked them several times to cease contacting my employer and they continue to call. They have also threatened to sue me once I ask them to stop calling my job.
Consumer complaint received 2023-06-29
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 168 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with out my written permission without my written consent. 

I've tried to dispute with them on my own and dispute results were just " consumer disagrees '' and nothing has changed.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Experian recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Dates XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/21
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (IL)

I called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureauXXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. XXXX has not updated the account.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, USAA closed my account for identity theft. The issue is I am the victim. I contacted USAA with an issue with being unable to add my daughter to my account because her social was connected to my old social security number that identity theft occurred on since XX/XX/XXXX. I proved to a new social was needed and was advised to open a new account instead of just updating my social on my original profile. NO ONE from the id theft department contacted me from USAA and apparently reading the reviews online this is done often.
Consumer complaint received 2020-08-03
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I was billed for a third ( 3rd ) time in the amount of {$64.00}. It is even dated XX/XX/XXXX, posted XX/XX/2020. 

I am a XXXX year old XXXX American Veteran and the dollar amount was typed incorrectly in earlier complaint XXXX. Please forgive my error. As I am having a great deal of problems due to the incorrect billings by JP Morgan Chase bank. 
. 
There was just one ( 1 ) purchase with XXXX on XX/XX/XXXX. JP Morgan chase has billed me three ( 3 ) times for this amount.. 

Please be so kind to assist and get these negligent incorrect billings corrected.
Consumer complaint received 2020-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

XX/XX/2019 : I filled out an application with Navient to change my repayment plan to the Pay As You Earn ( PAYE ) plan. My application was denied six times, each time due to the fault of Navient 's employees because they provided incorrect information about the process and the required information from me. 

Their incompetence and negligence would have cost me over {$600.00} per month had I not continued to pursue this issue. Each time I filled out the forms, they were rejected with little feedback from Navient. After each rejection, I called their customer service and was given inconsistent instructions which were completely different from the last set I received. 

They are also uninformed and unable to articulate the difference between the repayment plans.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

On Tuesday XX/XX/XXXX a criminal opened a fraudulent account in my name with the phone company XXXX. They purchased 3 phones and set up a data plan using my name and bank card information to do so. I became aware of this late in the evening Tuesday when I received an email from XXXX advising me that " my order had been shipped. '' When I saw the email, I assumed it was a phishing email and forwarded it to my husband to take a closer look at it in the morning. Wednesday morning, XX/XX/XXXX my husband determined that this was a real transaction, and contacted XXXX and our bank which is PNC advising both companies that this was not us, we did not make these purchases and that this was Fraudulent activity occurring. We contacted XXXX which is the logistics carrier that the phones were shipped through and determined that the criminal who had done this had them set up to " ship '' to our home address and as soon as the phones were in XXXX possession and actively shipping the criminal went on to the XXXX website and placed a " hold '' request on the package, so that rather than being delivered to our home address the package would instead be held at the local XXXX distribution facility to be " picked up '' in person by the criminal. I was able to speak with someone at the XXXX distribution facility and explain what was going on so as to insure that they did not hand the package over to the criminal that had orchestrated this. XXXX made sure that these items were returned to XXXX and we reported this situation to our local police department on the same day, Wednesday-XX/XX/XXXX. We had 2 charges appear against my bankcard on Wednesday. One charge was from XXXX for {$72.00} the other charge was for XXXX for {$50.00} both of these charges were result of Fraud being perpetrated using my bankcard information. PNC cancelled my bankcard and initiated their own investigation on Wednesday XX/XX/XXXX. XXXX has the fraudulent phone accounts locked and are actively investigating the situation. I arrived at your website to report this per advice from XXXX to do so. The {$50.00} XXXX charge was stopped while still pending on our checking account. The XXXX  charge eventually rolled from pending to charged against our checking account in the days following this incident occurring. XXXX advises that they are in the processing of reversing the charge. I have also received a paper bill from XXXX today, Thursday-XX/XX/XXXX for {$170.00} for the fraudulent account that was set up and the phones and data plan that were purchased by this criminal. I called XXXX about having received this bill today against an account that they are aware is fraudulent. They advised that the fraud team is actively working on the issues attached to this fraud and that I will not be held responsible for the bill.
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (CA)

Company I am complaining about : Experian Mismanaged product offered : Credit Freeze Problems caused by Experian : unable to obtain or increase credit. 

I cancelled a credit freeze at Experian prior to last XX/XX/2019. On their website, it confirms that I do not have a credit freeze. However, this is not the experience when I interact with vendors, creditors, banks. I recently attempted to increase my credit card limit with XXXX. They told me they could not proceed because I still had an active credit freeze with Experian. I ran into a similar situation for months last year attempting to get credit approval to subscribe to a new XXXX XXXX XXXX Internet service. 

Experian needs to fix this situation by truly cancelling the credit freeze on my account so lenders, creditors, suppliers have access to my credit information and approve any related transaction. Just showing that my credit freeze is not active on the website does not mean anything if their internal system do not reflect the same situation.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

On or about, XXXX XX/XX/19, I received a letter with a cashier 's check in the amount of {$2900.00} made payable to myself from XXXX XXXX XXXX XXXX XXXX. I confirmed receipt of this check via text to number XXXX. Prior to receiving this cashier 's check, I received another text from someone named XXXX XXXX cell number XXXX. This 305 text indicated the following : " Hello, the envelope containing your first task will be delivered to your house today/tomorrow vis USPS regular mail. Please send a text message to XXXX when you receipt of the envelope. XXXX XXXX ''. 

I currently do work part time as a mystery personal shopper so I thought this was another XXXX that I applied to in the past. 

Upon receipt of the cashier 's check, I deposited it in my TD Bank in XXXX XXXX NJ on XX/XX/19. As per the bank, the cashier 's check cleared XX/XX/19. I informed contact XXXX via text that the check had cleared as per their instructions and I was assigned a task. I made sure with 100 % certainty that this cleared before proceeding further. I was assigned to buy 2 {$1300.00} XXXX gift cards. I did that on Friday XX/XX/19. I then was instructed to purchase a money order for {$20.00} and a cashier 's check for {$20.00}. The first made payable to XXXX XXXX and the latter XXXX XXXX XXXX Today XX/XX/19, TD Bank informed me that this cashier 's check bounced and that I am responsible for the funds of {$2900.00}. I relied upon TD Bank 's complete disclosure that this check cleared on XX/XX/19 ; otherwise, I would have never proceeded with these purchases. Today XX/XX/19, a TD representative told me that the routing number looked wrong but they deposited it anyway. TD Bank represents themselves as a leader in banking and me, I'm a consumer. I relied upon their experience and expertise in this industry to protect me the consumer from fraudulent activity. They did not. TD should have never cleared this check on XX/XX/19 without confirming the validity of the check. They do this every day and should be held accountable to a higher standard of care. They now are claiming that it is not their fault and that I have to take the hit on these funds. Yet, if my credit card was hit by fraud, TD would cover it. It's the same thing. We as consumers rely on banking to protect us. I want my money back in the amount of {$2900.00}.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AZ)

In the response from resurgent capital services first and foremost they had their logo and or symbol in pursuant to 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Then they continued to attempt to collect this alleged debt, in pursuant to 15 usc 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

After sending this they then sent a deceptive form that was a case with LVNV FUNDING LLC, the amount its stating on this deceptive misleading court order sates that the estate owed XXXX then resurgent is attempting to collect XXXX, in pursuant to 15 usc 1692e ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 

How can resurgent attempt to collect upon something in which they were not present furthermore me the natural living person am not obligated to pay any debt in pursuant to 18 usc 8 the moment I put down my credit card information my 9 digit numbers from their it was credited by the XXXX XXXX XXXX XXXXXXXX. 

They have violated many of my consumer rights within the FDCPA using false and misleading means and information to attempt to collect a debt and for the damages in which that have been done and the XXXX this company has caused I am holding them civilly liable in pursuant to 15 usc 1692k I demand {$1000.00} for each company as well as XXXX for the damages. send the remedy to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-02-07
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (NY)

i did a debt settlement to resovle my debt it got reduced and i paid up the amount they agreed to they where suppose to take the derogatory mark off my credit off my report and my husband XXXX XXXX report that was 4 or 5 years ago its still not off its dragging our credit down i have submitted complaints it never gets removed
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have insurance with maximum out of pocket of XXXX. Paid all XXXX have proof, actually sued in XXXX XXXX wv to other debt collectors for collecting on a debt that they now acknowledge paid I have never seen this debt. I paid this small charge because cheaper to protect my credit. But this needs removed. We are filling suit this Friday on Ohio magistrate court to remove and award damages for false reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account 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, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX : XX/XX/2014 Balance : {$450.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

EQUIFAX, XXXX AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXXXXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.