davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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 my fifth 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 Balance {$10000.00}.
Consumer complaint received 2019-09-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.
Consumer complaint received 2021-07-19
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. (IL)

IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (MI)

In XXXX of 2022 I took out a small {$200.00} loan from Makwa Finace. The payment schedule of {$79.00} appeared to quite long, far exceeding the {$200.00} loan. I aksed about this before agreeing too the loan and just paraphrasing, was told it woud not take that long to pay bck the loan. After two payments they showed I still owed in excess of {$300.00}. At that rate I can not ever pay back the loan. 

I started asking questions around that time and would be happy to share the mail thread with you.
Consumer complaint received 2023-03-11
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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. 
Please remove/block the following items below : 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
Consumer complaint received 2019-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have disputed with Capital One and I have a XXXX balance on my credit report, it has also been on my account for seven years and it needs to be removed.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

I reported to synchrony XXXX in XX/XX/2020 after looking at my credit report after I found out all of my information had been breached and several accounts and hard inquirys were done without my consent. An FTC report and a police report were both reported and made in XX/XX/2020. I have reported it them as well and submitted all documents asked for. They asked for no further information. XXXX has taken this off of their reporting agency. While PayPal had no contact info to me relating to this account and refuses to close the account and label it is fraud. All I know is it is less then {$800.00}. I never received statements and I never paid for a bill, I only learned about while looking at my credit report in XX/XX/2020 and at that time the account was only 30 days late.. so i asked them who had been making the payments on the account since it was me and at the time they stated, they could not give me any information regarding the account because they can not verify me. I have made numerous calls now, as experian has taken off of my credit report as identity theft, but because commeninty XXXX is not closing the class it still reports.
Consumer complaint received 2019-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Today, XX/XX/XXXX I went to pay my loans through Navient. I planned to pay extra as well. My loans are due today and I had a late fee of {$120.00} I had to pay. This was a total of {$250.00}. I played all of it so that I was current and no longer charger but I do want that money back or to go to the principle of the loan of my choice. I don't feel I should be charged because it is still the XXXX. I attached a picture that shows the date today and the payment due date being today. My payment was made around XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly request the removal of this inaccurate account from my credit report, as it is not linked to me and I did not consent to its establishment. I have attached the necessary documentation to support my position. I thank you for your prompt attention to this matter and for taking the necessary steps to correct this issue by removing the account from my credit report.
Consumer complaint received 2023-03-11
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (CA)

After initial contact, I sent Penn Credit a debt validation letter in XX/XX/2020 with no response until XX/XX/XXXX of 2020. The request for payment claims I owe XXXX {$260.00} for purchased merchandise. However, I have not been contacted by XXXX and assume they have had ample time to send me a bill. Im not sure if this debt is valid because they have not responded to my validation request.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Collection is not from original creditor. I never heard of XXXX XXXX XXXX to owe them {$1500.00}. I never had a contract with XXXX XXXX XXXX.
Consumer complaint received 2023-03-11
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
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 my 1st 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (AL)

COMMONWEALTH FINANCIAL IS IN VIOLATION OF 15 USC 805. Communication in connection with debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I NEVER RECEIVED ANY TYPE OF NOTICE FROM THEM COMMONWEALTH FINANCIAL ASKING FOR CONSENT TO CONTACT ME NOR DID I RECEIVE ANY LETTER FROM THEM GIVING ME THIRTY DAYS TO DISPUTE THE DEBT.

15 USC 1692e 807. False or misleading representations.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this.COMMONWEALTH FINANCIAL WITHOUT MY PERMISSION CREATED AN ACCOUNT IN MY NAME AND REPORTED MY SOCIAL SECURITY NUMBER, NAME, ADDRESS, WITH A FALSE AMOUNT AND WITHOUT AA CONTACT.THEY STOLE MY IDENTITY AND THIS IS A {$1000.00} VIOLATION.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have an extended fraud alert beginning in XX/XX/2019. It SHOULD be there. The problem is that it has an old phone number, for which I am no longer the owner. XXXX and Experian have barred me from updating to my current contact information. I have had repeated problems with attempting to use my own information, as the phone number is no longer mine. XXXX and Experian have not allowed me to update my own information in the alert and it's causing me problems in using my own credit information to obtain services and goods. I have tried to fix this for FOUR years now to no avail. Not for lack of trying!
Consumer complaint received 2020-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (FL)

I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED
Consumer complaint received 2020-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

As of XX/XX/XXXX, when I received a letter from my Loan Servicing Company, with a Pre-approved Loan XXXX XXXX XXXX approval with Trial payments due starting XX/XX/2021. 

I called my Loan servicing company and to a female loss mitigation representative, that after reviewing my file, that if I tried to submit an income documentation modification request for a better loan modification plan, this lady told me that what I was just offered on XX/XX/2021 would be the best I could get and if I chose to move forward with a income modification application, that my current XXXXXXXX XXXX plan from XX/XX/XXXX, would become null and void and that if I failed to qualify for a income modification plan, that I may not qualify for any modification and could lose my house.This lady went on to tell me that she highly recommended that I accept this current XXXX XXXX  because I would run a high risk of being denied due to my drop income since I am no longer working and retired. 

When I called on different occasions and spoken to different other loss loss mitigation representatives, I get conflicting information that what the first lady told me was no correct and that I have other options available to me, where I can try to get a better modification and not lose my XX/XX/2021 XXXX XXXX offer and choose the best modification offer with the lowest monthly payments. 


I have called time and time again and sent countless emails asking anyone to put these claims and my options or lack of options in writing and all I get is additional generic emails and loss mitigation representative phone calls promising to send me an email i writing about my options or lack of options, and to date, I have not received anything in writing. 

All I have been offered is to extend my mortgage out to 40 years, reducing my original mortgage payments by {$100.00} and keeping my high 3.875 % interest rate the same as before. 

My wife and I completely feel that we are being taken advantage of due to my failing help issues and drop in household income.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been making on time payments with XXXX XXXX  and it showing on all three bureaus XXXX, XXXX and transunion credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2018 at XXXX i contacted Chase Bank and Spoke a customer service Rep named XXXX and a supervisor named XXXX to close my account and was told i couldn't close the account because Chase system was down.

I noticed that Chase will manipulate and not post and hide certain transactions in order to incur a {$34.00} INSUFFICIENT FUNDS FEE, I was hit with several {$34.00} INSUFFICIENT FUNDS FEE over the course of a few months although i made a deposit before the cut off time. 

Today was no different i called to close my account and saw once again another {$34.00} INSUFFICIENT FUNDS FEE although i made a electronic deposit and was told {$34.00} INSUFFICIENT FUNDS FEE can not be reverse although i transferred money into the account before the cut off time and date. 

Chase has the deposit pending which is another method used to incur the {$34.00} INSUFFICIENT FUNDS FEE and i was told by customer service Rep XXXX and a supervisor named XXXX the system is unavailable and to call back in a few hours, which will be XXXX
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

The Company is stating that the information on my consumer report is accurate and to remain on my report un XXXX which is incorrect I sent in proofs that the courthouse doesn't verify bankruptcy with the credit bureaus making it not legal to report I have letter directly from courthouse stating they don't verify.