davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
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. (NC)

This is a huge problem for my new job my background is showing 3 different name on my credit report XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.. My name should be listed as XXXX XXXX XXXX please delete any other variations of my name. My only address is : XXXX XXXX XXXX XXXX, NC XXXX. Please delete remove any other address they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I had this problem before. It seems to never end.
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (MD)

In XX/XX/2008, I attended XXXX XXXX XXXX XXXX in XXXX MD. Originally the XXXX XXXX took care of the tuition which was {$16000.00}. The school took out loans in my name under the guise of living expenses. I only received one of the many loans that is on my credit report which is in the amount of {$6800.00}. The other loans that are on my credit report are fraudulent because I never received any of that money. The school would make up excuses for why students couldn't get their money, whether they were under 90 %, they missed a couple days, they weren't able to get their money and the teachers and faculty pocketed the money. Now {$26000.00} later, I'm still paying the interest and not seeing any results from payments.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I paid Experian for their 3 in one credit reporting service. Credit Check total service. I have never been able to access all 3 reports. Ive been charged XXXX a month and never received the service. They are refusing to refund my money.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

I didnt catch the name of the debit collection company but I contacted the actual credit card company which is Comenity Bank XXXX branch and spoke with someone there. Discussed my financial situation right now. 

Someone from debit collections said I was 4 months behind but the lady I talked to directly from Comenity Bank ( XXXX  ) said I was 2 months behind. 

The man who wanted to argue on the phone from debit collections has called me 19 times in the last 24 hours and has only spoke to me once. Every-other time I have answered they hang up after 2 seconds.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

I have disputed XXXX XXXX  inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

Responded to an ad for a ticket to XXXX. In XXXX I communicated via email that I would send funds ( very foolish will of course not do again ) and retrieve the wristband/ticket when they were shipped mid/late XX/XX/XXXX. Transaction was made through peer-to-peer service XXXX which works through my bank PNC. 

Contacted PNC, after going through a fraud / dispute was told some time later ( today XX/XX/XXXX ) that there was nothing they could do. 

Received a ticket/wristband from a friend and didn't need to go through with this transaction. 

I let the other party know this, was told I would be refunded when they got a chance to resell the ticket. Then I never heard back from them. 

I never met with the seller as we had originally planned and never received anything from them. 

Funds were sent to a person identified in XXXX as " XXXX XXXX '' with email. Also have email - XXXX or phone number XXXX. 

I have sent several emails and requests for the {$190.00} to be sent back to me, all have been ignored. I have the email and phone number that this person used for me to send them money fraudulently.
Consumer complaint received 2023-03-18
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. (CA)

This is my 8th endeavor to tell you that 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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
Consumer complaint received 2023-03-18
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-07-10
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. (OK)

I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX  INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

I Purchase is an airline ticket on XX/XX/XXXX and it was XXXX dollar but the I realize it was the wrong airport so I called right away to cancel the ticket and since it was before 24 hours so I could cancel it and get a refund which is what supposed to post in my account in 5 days and on XX/XX/XXXX I got the money back so I purchase another airline ticket with the same money that I got back but it was XXXX dollar and the money was taking out of my available balance on XX/XX/XXXX but it was saying pending on the statement but it was out of my available balance already on XX/XX/XXXX the XXXX dollar Was taking again out of my account but showing in my account as it was only one charge .. and I am not even able to see the first airline ticket or the refund on my statement because they said it was dropped charge like it was never happened but it did happened..thats not the first time this happened it did happened before but I usually get the money back after the weekend on Monday but this time no it did got back .. I tried calling them and they explaining but they only say one thing.. I dont see it on the statement.. so why I cant see my purchase for the first airline ticket that it was refunded.. this is my money and I am supposed to see all the charges I made and the refund on my account.. I am missing XXXX dollar from my account which is got Disappeared from my bank account and I need to get this money back I dont know what to do
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently received two letters from XXXX XXXX XXXX on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a Capital One Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

chase bank is agressivly attempting to collect on the debt that is not mine. I did not sign a contract with chase for this credit card and this should not be reporting on my credit report. This accoutn was opened as a corporate credit account when I worked for XXXXXXXX XXXX they signed the contract and I was an authorized user and NOT an owner or a responsible party on this credit card. My numerous attampts to have chase cease and desist their collection efforts went ignored. I'm still getting calls for this collection at my house, work and now my parents house. Now I got a call from chase threatening to take me to court or arrest me if this account was not paid. please help this is not my account!!!
Consumer complaint received 2019-05-06
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: EQUIFAX, INC. (OH)

I applied for credit at my credit union and the application was declined, with a reference to Equifax credit bureau reporting. I called the phone number referenced in the decline letter. A pre-recorded message advised of a website - www.equifax.com/fcra - that could provide an online report. However, when I filled in the information requesting the report a response was provided which advised that " Online Delivery Unavailable '' further advising me to contact them at XXXX. 

XXXX is an automated line, with no option to speak with an agent. Obviously, I wanted to speak with a human so that I could determine why my online request was denied. 

So I then went to the main Equifax website and found a support phone number - XXXX. This number was routed to a call center in XXXX. The agent immediately requested my Social Security Number - for the record I am not comfortable providing my SSN to call center agents outside the US, there should be a law against call centers outside the US collecting SSN.

Regardless, after providing the agent my SSN the agent directed me to XXXX and advised that I could get my credit report there. This is fraudulent, as XXXX provides one free annual credit report as required by law. Whereas I'm entitled to a separate free credit report having been declined credit. Using XXXX would have inappropriately used my one free annual report instead of the free report I'm entitled to having been declined credit. 

After explaining this to the agent, I was redirected to a call center in the XXXX where the agent again requested my SSN ( see comments above regarding providing SSN to call centers outside the US.

Reluctantly I again provided my SSN. This prompted a long list of  questions regarding my personal credit history. Many of these questions were nebulous and required my to provide far more personal credit history than was needed to verify my identity. Instead of asking open-ended questions about my credit card payments, the agent should have asked yes or no questions such as do you have an account with xyz with monthly payment of xxx.xx?

Finally I was advised that a credit report would be mailed to me via the USPS and arrive in 7-10 business days - not very helpful as I need the denial information NOW. 

This entire process was deceptive, convoluted, inaccurate, unnecessarily lengthy and required disclosing sensitive personal information including PII, credit card information, and other data to entities outside the US.

It is outrageous that this is the best the credit bureau companies responsible for US citizen 's person financial information when it comes to reporting on declined credit.
Consumer complaint received 2023-03-18
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2018-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I sent money to a friend using XXXX through Chase. I entered my friend 's name and phone number. He had never used XXXX before so he went to his bank ( XXXX XXXX XXXX ) to ask how he could receive it. He was told he could not because be did not have a personal account, only a business account. When I went back to cancel the request I saw that the transfer was completed. Now, XXXX wants you to make a claim through the bank, not directly through them. I did just that and was told there is nothing they can do because XXXX does not check the recipient 's name, only the phone number or email. Since I used my friend 's phone number and he is not registered with XXXX, the amount was aparently deposited in an account tied to that phone number before it belonged to my friend. I was told there is nothing XXXX can do to recover my money even though I sent it to the right person and the right phone number.
Consumer complaint received 2019-05-06
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: EQUIFAX, INC. (NY)

On XX/XX/2019, I disputed an inaccurate account on my Equifax credit report by sending Equifax in writing, proof that this account is not my account. I have called Equifax a total of three times and I have sent Equifax a total of five letters. I have never done business with the company that reported this inaccurate information. I have never had any communication, agreement, account, or contract with this company that has reported this inaccurate information. Equifax has stated that they would correct my credit file within 30 days based on the fact that I sent them proof and I am a victim of fraud with a freeze on my credit file. Equifax is in violation of the 1681n Fair Credit Reporting Act ( FCRA ). They are violating and recklessly failing to follow reasonable procedures to ensure accurate reporting. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As a result of Equifax allowing this erroneous information to remain on my credit report without SIGNED PROOF that it should be there for over 30 days, my credit score has plummeted HUNDREDS of points. The following information therefore needs to be deleted immediately. I have sent Equifax my final standing satisfaction for my property and have requested an immediate and expedited deletion of the entire XXXX XXXX XXXX XXXX account from credit report. Anything provided by XXXX XXXX XXXX XXXX is fraudulent and without standing. 

Please note : that XXXX and XXXX  both were given the same letter and proof and delinquently removed this account from my report within 3 days!
Consumer complaint received 2018-08-21
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: ERC (IL)

Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.
Consumer complaint received 2019-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We are closing on our home on Friday morning and just need the payoff information on my HELOC with Bank of America. I have called twice, buyer 's attorney has called and they are telling me it could be 7 days which is after closing, I would just like to request a 15 day payoff be faxed to the attorney 's attention at XXXX. 

This is crazy as I am trying to make full payment and their lack of response is not only causing me issues in potentially not closing on time but, also affecting our buyers having a home to live in come Friday. 


We just need the payoff information as soon as today if possible. Thank you!
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Over this past year Ive gotten numerous phone calls from XXXX ; Bank of America, this last one at XXXX, XX/XX/2018.they are insisting that I am Late with my payment. I have never been charged with a late fee for my mortgage, and Ive had this mortgage for five years. Nastily Ive been told that Paying in the grace period ... means I am late, and what am I going to do about it. Well Im XXXX and as soon as my checks are cleared, I write my morgtage But that doesnt seem good enough ... then the woman got real nasty and said if Im renting to anyone, or not living there my interest rate should be higher..I told her no I am the only one that lives here and that I am homesteader in XXXX XXXX, Florida . 
Six months ago, they called to check to see if I was a foreigner ... and asked for a copy of my passport.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX 's credit card apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX  's saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX   instead XXXX  's, I also found out that XXXX 's is owned by XXXX  and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank.

Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' s instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX  's