davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CT)

Back in XXXX Citimortage did not give me any options when I was having problems paying my mortgage. I even inquired about a deed in lieu. I made countless calls and stayed in communication but I ended up getting foreclosed on. I just found out that based on CPA of XXXX and the CFPB mortgage disclosure rules od XXXX, that they should have tried to help me. What are my options now?
Consumer complaint received 2019-02-13
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. (GA)

There are inquiries from XXXX and XXXX XXXX on my credit reports with all 3 bureaus from fraud that was perpetrated in XX/XX/2018. They are weighing on my credit score and I believe XXXX reported me as having a delinquent account that doesnt belong to me. I was one of  the effected by the XXXX  data breach my family and I keep getting calls from spam numbers asking for personal information. 

XXXX county sheriffs case # XXXX
Consumer complaint received 2022-12-15
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
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 information incorrect
Company: Experian Information Solutions Inc. (AZ)

Re : Formal Compliant Against Experian To whom it may Concern : I am writing a formal compliant against Experian. My Compliant is that they have failed to removed a negative reporting off my credit file. The initial Certified letter to Experian was sent on XXXX.XXXX.19,  disputing the inaccurate reporting, along with a correspondence letter from XXXX on XXXX.XXXX.19, which states there are no delinquencies reported in the credit history of the account in reference. After submitting this information to Experian they are still stating that discrepancies are still accurate, which does not line up to what the Original Creditor Verified in there previous letter.
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 information incorrect
Company: Experian Information Solutions Inc. (CA)

hello, ive reached out to Experian multiple times about inaccurate information that is being furnished on my accounts. The company is reporting XXXX late payments on accounts that are either paid-off/closed and accounts that are open however its current on all payments. 
I brought to their attention how they are violating several federal laws and they still do not care to resolve the problem. They say their investigation has been completed and still feel compelled to furnish such erroneous and frivolous information without properly demonstrating on how they went about their investigation which leds me to believe they did not do such a proper investigation. 
this inaccurate reporting is hindering me from obtaining any credit as well as its defaming my character which is hurting my livelihood. 
they are in violation of 15 USC 1666b and 15 USC 1681b. i would like this resolved immediately please.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA REPORTED CHARGED OFF CREDIT CARD THAT I HAD NEVER BEEN APPLIED NOR ASSOCIATED WITH. I MADE DISPUTE WITH BANK OF AMERICA AND 3 CREDIT BURUEAS AS WELL. BANK OF AMERICA SENT ME LETTER STATING THEY DECLINED FRAUD CLAIM AND DIFFERENT AMOUNT WHICH IS WAY LESS THAN WHAT IT REPORTED ON MY CREDIT REPORT. 
ON MY REPORT IT REPORTED I OWED {$21000.00} BUT LETTER BANK OF AMERICA SENT WAS {$17000.00} THIS HAPPENED LAST YEAR WHEN PANDEMIC STARTED AND DUE TO THIS WRONGFUL INFORMATION ON MY CREDIT REPORT I WAS NOT ABLE TO OBTAIN ANY LOANS SO I LOST MY BUSINESS. THIS IS SOMETHING NEVER LET IT HAPPENED AND ALSO THEY DID PUT JUDGEMENT FOR WRONG AMOUT AS REPORTED. IM ON PROCESSING OF WRONGFUL JUDGEMENT. 
PERSON LIKE MYSELF DO NOT HAVE POWER AND BIG COMPANYS DONT LISTEN TO WHAT PROBLEMS IT CAUSED TO WHOLE FAMILY BECAUSE OF WRONG INFORMATION ON MY CREDIT REPORT. I HAVE NEVER MADE 1 LATE PAYMENT AND NEVER HAD ACCOUNTS WITH BANK OF AMERICA. 
THEY CLAIMED THEY VERIFIED BUT WHAT CAN THEY VERIFY AND WHATS THE OUTCOME OF VERIFICATION. THIS MADE MY WHOLE FAMILY LOST WORK AND BUSINESS. MY OTHER CREDIT CARDS LIMIT REDUCED BECAUSE OF THIS INCIDENT NO ONE HAS TAKEN REPOSIBILITY OF. 
AS I HAVE RIGHT TO ASK HELO TO SOMEONE WHO HAS POWER TO LOOK INTO THIS AND I CANT JUST WAIT ANY LONGER AND FIGHT WITH BIG BANK LIKE BANK OF AMERICA. 
BY THE LAW THEY HAVE TO MAINTAIN ONLY ACCURATE INFORMATION REPORTED TO CREDIT BUREAUS BUT THIS CASE THEY ARE NOT DOING ANYTHING BUT WRONGFULR JUDGEMENT AND WRONG INFORMATION REPORTING. I NEED HELP ON THIS MATTER IM XXXX YEARS OLD AND THIS IS IMPACTING A LOT ON MY FINANCIALS WITH SOMETHINGI HAVE NEVER DONE WITH. I ASKED THEM TO PROVE I APPLIED AND DOCUMETNS WE SIGNED OR ANYTHING BUT NEVER PROVIDED ANY VERIFCATION OF DEBT
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On the first week of XXXX of XXXX, my Chase Online banking account was hacked. The hackers were able to steal my log in and password from my XXXX XXXX Passwords. The hackers extracted money from my savings account to an outside external account ( XXXX XXXX XXXX account ) not known to me. The hackers committed fraudulent activities from XX/XX/XXXX until XX/XX/XXXX of XXXX. I didn't notice it until that weekend from text and email alerts and we were able to block and reverse the newer and more recent fraud transactions of XX/XX/2023. Since we were unable to reverse the other two transactions from XX/XX/XXXX for {$450.00} and XX/XX/XXXX for {$1400.00}. I had to file a fraud claim at the time. I immediately changed my login and password that weekend of XX/XX/XXXX and XX/XX/XXXX of XXXX. My fraud claim was denied on XX/XX/2023. They response was that I didn't change my login and password, which is a lie. And they claim that I have always used XXXX payments and that this outside account online transaction was done from my device. Which doesn't make sense since I was hacked and its possible that the hackers stole my IP address also. I do not recognize this XXXX XXXX account. What can I do?
Consumer complaint received 2019-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

For the last 3 years I've had problems with repaying my consolidated loans. Initially my monthly repayment amount was {$270.00}. It was being paid automatically for about a year when an auto draft of a little over {$1200.00} was taken. After informing my bank that it was taken without permission, the money was given back ( by my bank & eventually refunded by Navient ). After everything was settled, I was set up on another payment plan and this time I planned to contact them after 11 months to avoid the previous year 's issue. This time the {$1200.00} was taken after 10 months. I took the same actions to get my money back. I finally removed my bank info and opted for manual monthly payments. However, this year, I've been trying to get back on a payment plan FOR A YEAR. Customer service says that they have been sending emails but I haven't gotten anything EXCEPT info telling me that a payment is due. I tried to reply to that email, but it's an auto mailer so there's no response. And seemingly the necessary forms I need are not able to be mailed. I just tried calling and kept being put back in the call queue with no response from an agent. Meanwhile interest is building in my account and the only thing I'm able to do is continue to make deferments while I wait on the forms 'they 're sending to me '.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX, I ordered an item from XXXX. I paid $ XXXX via Paypal XXXX I immediately received a notice from XXXX that the item I ordered was out-of-stock. The retailer also refunded the purchase immediately. 

Days later, the refund is still not available to me. I contacted Paypal twice to request that my funds be credited back to my account. I was told that this is not possible. 

Paypal now has a " hold '' on the refund, and is refusing to release the funds until XX/XX/XXXX.
Consumer complaint received 2022-12-01
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Sold my home- closing on XX/XX/XXXX. Same day : Wired XXXX into my acct at Chase Deposited XXXX ( from my XXXX XXXX XXXX acct ) into my acct at Chase Wire OK Check put on hold for XXXX business days ( XXXX confirmed funds released XXXX ) As of today ( XX/XX/XXXX ) funds in Chase acct but check on hold - explanation - acct open in XXXX
Consumer complaint received 2023-03-26
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

1.I have never had an account with this company CB/TORRID XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/TORRID the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-26
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-15
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. (PA)

On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX XXXX  for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXXXXXX XXXX on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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. (NC)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

in accordance with the Fair Credit Reporting act XXXX Account # 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
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: EQUIFAX, INC. (GA)

On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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