davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (MI)

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXX BANK XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (MI)

This is my 5th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2017-07-19
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: CITIBANK, N.A. (WA)

I have never authorized or opened an account with Citi bank ending in XXXX. I have previously contacted Citi and complained to them about that Citi bank fraudulently opened an account and have been sending me monthly bills with late charges
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

a letter from PHEAA, which is the parent company of Fedloan sent a check for {$25.00} and a letter to my house. The letter was not addressed to me, but to a different individual. The rationale for the letter was due to the many problems that Fedloan had and the mistakes that Fedloan made while servicing the Direct Loan. The overall message from the letter was " we made lots of mistakes, here is {$25.00} for the trouble ''. I was never sent this letter nor the {$25.00} from Fedloan and I have dealt with many mistakes and servicing errors from Fedloan. I called Fedloan and was told that Fedloan would only send this to accounts that they felt deserved the letter and {$25.00}. That is not how policies and programs work. I have called Fedloan to inquire about the status of {$25.00} check and letter for myself, and I have also written Fedloan through the internal e-mail contact us system. Fedloan wrote me back that they are internally researching the issue and will contact me in the future. That is just one more LIE to the Fedloan pile. So, now I am utilizing CPFB to force Fedloan to respond to my complaint.
Consumer complaint received 2022-12-14
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. (NV)

XX/XX/2022 - Personal information on Experian is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NY)

Good morning, with great disappointment I must say your company has humiliated me, treated me with bad intentions, and made a circus animal out of me. I called in for one simple thing that turn into accusations, being treat out of name being called sir multiple times after constantly saying I was woman. I called in because I was told via a XXXX message to call in to finish setting up my business account which turn into something totally different. They interrogated me about my account then told me I had to change my password which I opted not to do then I was refused to speak to business team which I ask for a supervisor whose name was XXXX who has the be most absolute worse employee that could have been hired for a customer service job. He told me he had to change it so when I said no he implied my account wasnt mine so I ask if it wasnt mine and you felt that way why would you be willing to change it then he had no answer. Preceded to tell me that I wont get any help unless I go in a branch and he will make sure of it so he flagged my account. Spoke with another supervisor who said same they cudnt talk me for a fruad hold to go in a branch which come to find out XXXX knew it wasnt any branches 25 mile radius of my zipcode. I call in again another supervisor made me send documents in. I had to send it multiple times with multiple things along with a picture of me with which is absolutely ridiculous. I felt beyond humiliated I am asking for a immediate remedy. I have been in touch with my lawyers which I dont want involved if dont have to be but these practices are unethical discriminatory and completely unacceptable. So what can you do to savage a customer cause at this point I am beyond flustered and refuse to deal with this any longer. All to set up a account to give the company money not purchase ask for a loan credit card simply set up a business acount to build a better relationship to be treated in such dismay I clear with the branch XX/XX/2022 spoke with XXXX I sent in documents various multiple times via mail and via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we been dealing with unsafe discriminatory practices for two months. They keep refusing to help or take me off this block I have sent in passport XXXX XXXX id selfie and went into a branch. Every time I call in I am being called sir and transfer and block out my account this has been the worse experience of my life.
Consumer complaint received 2023-07-18
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. (IL)

THESE ACCOUNTS ARE UNAUTHORIZED WHICH IS CONSIDERED FRAUD XXXX XXXX XXXXXXXX {$5200.00} XX/XX/XXXXXXXX XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX THIS ADDRESS IS UNAUTHORIZED AND IS FRAUD I'VE NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, IL XXXX THESE INQUIRIES ARE UNAUTHORIZED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-16
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: GOLDMAN SACHS BANK USA (NY)

the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-16
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: TRUIST FINANCIAL CORPORATION (NY)

the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SUNTRUST BK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft FXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX  updated my credit report stating that I missed two payments since XX/XX/XXXX. My account has never been late and the account was closed due to it being included in a XXXX  XXXX Bankruptcy Petition. The Petition was filed in XXXX and up until that date, the account was paid on time monthly since its opening in XX/XX/XXXX. The account was included in the bankruptcy and therefore the account status should reflect closed and the missing payments notation needs to be removed.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX/XXXX # XXXX  is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (FL)

This Upgrade company charges exorbitant overlapping interest rates and consumer submitted payments are credited when the company processes the payment which typically takes ( XXXX ) XXXX weeks on a paper check forcing you to make online payment because it is Upgrades  preferred method of payment not the consumers preferred method of payment.
Consumer complaint received 2023-03-25
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. (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (NJ)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and was financed through global lending services. My son co signed the loan for me. I was told at the time of signing i would be on the loan to rebuild my credit. I recently found out i am not on the loan although my paperwork from the car dealership says so. i need global lending to add me to the loan so it reports me to the credit bureau.
Consumer complaint received 2024-03-17
Product: Credit 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: NAVY FEDERAL CREDIT UNION (CA)

In XXXX I went on vacation to XXXX, to the city of XXXX, and bought a package with an agency called XXXX XXXX XXXX XXXX, and paid with my MasterCard credit card, XXXX charged me for services that I already paid for and the charges were very high, and the person who assisted me made a flight reservation without consulting me, which resulted in another charge to my Mastercard, the fraud committed by the XXXX XXXX XXXX XXXX, was more de XXXX dollars when I was in XXXX I contact Navy Federal Credit Union, to let them know what happened to me, but never get a response from them, when I return to the U.S. I called them and let them know about my dispute I send all the papers that I received from the XXXX XXXX, but my dispute was rejected according to them all the papers had to be translated into English, I translate the papers and still my dispute was denied. 

saying " All documentation translated to English. This is a requirement for the Credit Card XXXX Mastercard. '' The case will remain closed until the necessary documentation is provided. 

XXXX never answered my call they use the platform XXXX, since I was in XXXX XXXX never provided me with the proper documentation. 

Please I WILL SUBMIT TO YOU, ALL THE DOCUMENTS TRANSLATED TO ENGLISH FOR ME.
Consumer complaint received 2022-10-14
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. (GA)

During the pandemic in 2020 my entire household was hit with XXXX XXXX and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.
Consumer complaint received 2022-12-01
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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.

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 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 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (AZ)

I keep receiving NEW letters of a debt that has been resolved and or discharged ( see complaint XXXX CFPB ) This original debt was caused by insurance not billed, this company XXXX XXXX XXXX XXXX XXXX has closed their doors years ago, there are no invoices, billings that XXXX XXXX XXXX XXXX can provide me to prove otherwise as indicated by the many phone calls placed to them with customer service and supervisors assistance. They keep sending me these letters and have placed this debt on my credit report AGAIN.. they just keep selling this to debt collections and these people will not reason or send documentation of this debt whatsoever. The last company was XXXX XXXX XXXX. and they were contacted by you to close and or comply and they closed their file and removed it from my credit bureau. They call me non stop and this needs to AGAIN stop please.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

For as Long as I have had this card, we have paid the payment into payments, one for the minimum and the other for the balance. They are paid within 24 hours of each other and for each month we have had no issues with interest charge in XXXX and XXXX the interest charge was charged to the account because the second payment for whatever reason on their side was delayed and we accrued close to {$300.00} of interest. I called Wells Fargo and they said that they could only reimburse {$50.00} of the interest because thats all their system would let them reimburse but they acknowledged that the problem. Was recent and that it shouldnt have occurred I would like to have the full interest for the XXXX and XXXX payment be reimbursed when I talk to Wells Fargo on the phone I escalated to it to their next level and they also said thats all they could do is chart is reimburse only {$50.00} of the amount. now knowing there is a lag in the second payment, I have taken care of it on my side but I would like for them to reimburse all the interest that was accrued in the XXXX and XXXX payment.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I pay all my bills on the 1st-2nd of each month. If I can pay more later ; I will if there is a balance. I paid {$250.00} on my XXXX XXXX XXXXXXXX card on XX/XX/XXXX. My minimum due is {$25.00} due by XXXX of every month. I reviewed my statement for XX/XX/XXXX and found I was charged a late fee with interest of {$25.00}. I called customer service and spoke with XXXX a rude representative and XXXX XXXX XXXX account supervisor. I was advised a late fee is charged if the bill is paid before the statement closes even if it is with in the same month. I asked her to show me this on my statement. As a consumer I had never heard of that and it certainly isn't in the bold print on my bill that says " PAY THIS AMOUNT BY THIS DATE OR THIS WILL BE CHARGED ''. I have 2 Credit Cards with Capitol One and an auto loan. I don't make it a habit of being late or receiving fees. I asked for the {$25.00} fee to be removed because this information I was not aware of. A late fee is applied in the same month as a payment meeting or exceeding minimum. I was advised they could not do this. The reasoning and charging late fees for a bill paid on time is not right.