davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that these inquiries were made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number is : XXXX and name of these fraud inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Thank you for your help.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

My student loans were rehabilitated and transferred to Navient. I believe that Navient reported my balances to credit bureaus in violation of the CARES Act. My XXXX score dropped 40 points in one day with no other notable activity.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (CA)

I Purchased a Printer from XXXX XXXX Via Online on XXXX PAID by WELLS FARGO XXXX Credit CARD was Completely PAID. And I received Est. XX/XX/2021 only Printer Fallowing few days Later. Received a XXXX XXXX. So I arrange a Technician to Come to my HOME office to Install for me. I was Excited with my NEW XXXX XXXXXXXX. 
Tech he did Fallowed Step by Step instruction to hock-up with Power / Computer . Before Test Print. he did assure all the Cartridges are in Place. So he Powered the Printer. First thing we heard is a High pitch Noise. And Printer did not Complete it's. Functions to Complete the it Process. So he Discover Opening the Printer Cartridge Door. One of Cartridge BLUE was Not Ejecting as it Suppose to.

I immidetly Call XXXX. XXXX XXXX XXXX number. Un-Lucy to get Connect a tecnical Support. HOLDING 20-30 Minutes. 
So I jump to XXXX. Returns Site and found out it's not that XXXX to obtain XXXX from XXXX. FIRST, We have XXXX XXXX XXXX once it submit XXXX. will Review Case by Case to authorize a XXXX. And this Process could take weeks. 
It Means just Because XXXX shipped XXXX XXXX. I have Snuffer NO Printer, NO MONEY. Wells Fargo Visa. STOP letting it Customer to File online Dispute. You are SCREWED.
Consumer complaint received 2022-10-18
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: GOLDMAN SACHS BANK USA (CA)

Two fraudulent charges on my " Marcus '' credit card, totaling {$1100.00}. Have been attempting since XX/XX/2022 to get Marcus to " refund/reimburse '' these charges to my credit card UNSUCCESSFULLY! The Fair Credit Billing Act proscribes that Credit Card Companies MUST refund all fraudulent money charged/stolen against the victim except for {$50.00}. Marus by Goldman Sachs REFUSES to refund these fraudulent charges against my credit card. A XXXX XXXX employee " over-charged '' my card with two separate line charges over and above the " true cost '' of the ticket. XXXX XXXX did refund the cost of the ticket ; however, XXXX XXXX refuses to refund the other two fraudulent charges totaling {$1100.00} stolen by their employee. XXXX XXXX sent to me an email saying these additional charges by their employee is " Fraud '', but, refuses to refund my money. Marucs refuses to reimburse me for this fraud as well. 

I have documented evidence I wish to upload to my complaint substantiating my assertions above. I desperately need your help. A crime was perpetrated against me- I was robbed by a XXXX XXXX XXXX, which XXXX XXXX gave him the XXXX & XXXX to perpetrate this crime of theft against me, yet they refuse to refund the " Entire '' amount charged against my Card by XXXX XXXX. 

Marucs by Goldman Sachs refuses to recognize their legal obligation, as required by the " Fair Credit Billing Act '' to me as a client and credit card user and reimburse me/refund me for the {$1100.00} I was " Defrauded '' by the XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

an auto pay set up for services. 
The costs of services XXXX 2019 - XXXX increased significantly XXXX XXXX the service cost doubled and I was never notified of increases, funds were extracted out of my account.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (WY)

I have attempted multiple times to get Navient and the Credit Reporting agencies to update my three private student loans. When I made a payment to Navient it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when Navient claims I made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by Navient at the time, not my private loans. 

I have contacted XXXX and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with zero help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my XXXX  at XXXX XXXX. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. Navient is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.
Consumer complaint received 2020-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have received several call from the credit acceptance company saying we understand that there is a covid 19 but you still owe money so how are you going to pay. I explained someone told me that the natural disaster would be applied but I still keep receiving harrassing phone calls, I am curious as to how they do not have a strategy to help me out considering all the people affected by covid 19. I do want to pay my vehicle but I am struggling getting a job and the safety concern and XXXX do not help all lives matter and this company is confusing me with their contracdicting statements first I was told my vehicle would not be repossed and now they are telling me, REGARDLESS of the situation I owe money and there is a possiblity. I need to know know what is happening so a attorney can help me out. This is by far the most contracdicting statement I have heard from the call center of credit acceptance that keeps calling me. Please help I am sure I am not the only individual that this company is doing this to. Also when I finance the car I had a credit score of XXXX, I checked all three and can not find a credit score of XXXX that this company keeps stating that is how they financed the vehilce at almost 30 percent finance charge. And have failed to provide the credit score that helped them with that decision.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I requested to have my private mortgage insurance removed from my loan in XX/XX/XXXX via my online account with PennyMac. I was told that my loan to value based on my original amount did not meet the required loan to value ratio and that I would need to wait until my mortgage had matured to two years, and so long as I had a good payment history, I could apply to have my private mortgage insurance removed based on the current valuation of my home, but there would be a fee of {$150.00}. 

My original loan is dated XX/XX/XXXX. In XX/XX/XXXX, I contacted PennyMac to have the private mortgage insurance removed based on my current home value. I was given the option to pay the {$150.00} to have a current valuation of my home completed. However, when I sent an email noting that I was willing to pay the {$150.00} to have my home undergo a valuation process and included some improvements that I made in the home, which is not required for the current home valuation process, a PennyMac representative denied to process my request and has not responded to my correspondence since that time.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (TX)

Equifax, Inc is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Equifax received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Equifaxs violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Equifax s first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Equifax who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Equifax s illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Equifax as I continue my private administrative process. I hereby am giving Equifax the chance to resolve all these issues quickly to avoid further legal liability in the near future.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hi. I already submitted my complaint and in response the company appealed to false statement and lied about the whole issue. I have tried to reply to your office through the way was provided in your email, however up until this date I have received no response. This is continuation of my complaint ID # XXXX and wanted to make sure that you have all the facts in order to achieve proper results. People complaint to your office in order to bring issues that are effecting everybody and closing a complaint just because the respondent sent an answer is not appropriate at all. the following is my email to your office after the entity responded inaccurately to my complaint : Dear Madam or Sir : Thank you very much for your assistance in this matter. After reviewing the response of XXXX XXXX, I must say that this company has lied about every single thing that they claimed in their response. First of all the following are article numbers of certified mail that I sent to the company and clearly indicated what needs to be done : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. As you can see I have documented my communications with them. I am flabbergasted to see that they lie to even Federal Government. Just imagine what are the consumers going through. As I mentioned in California they must comply with Fair Debt Buying Practices Act and in this case they completely failed. You can ask them why they are lying about their claim if it is legitimate and based upon the law. This company has dark record and they have been sued many times. If you need further info please let me know that I can provide them to you ASAP. This company claims that they only received disputes from Credit Bureaus, well, there you go, I have provided proof that it is a total Lie.
Consumer complaint received 2018-11-05
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: Colony Brands, Inc. (DC)

This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in 2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
Consumer complaint received 2021-11-07
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. (TN)

On XX/XX/XXXX, I received an alert that a collections account from XXXX XXXX XXXX in the amount of {$860.00} had been reported on my Transunion credit report. This collections account is not mine. I have not received a bill and have never had an account with the original creditor, XXXX XXXX. I disputed it immediately. It has yet to be removed. This is an ongoing issue with Transunion. They continue to report false information on my credit report. It is extremely stressful and I have had to dispute information through their website multiple times ; I finally froze my transunion credit report a few months ago because of the numerous hard inquiries that were not mine. Im unsure at this point if this is a case of identity fraud or an identity error on their part, but it only reoccurs with my transunion account. I have spoken with transunion representatives at length, yet it still keeps happening. Additionally, they have three names listed on my report for an unknown reason, one which states my middle initial is XXXX which is incorrect. I have also disputed this and it has yet to be removed.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/22 I applied for a capital one quiksilver credit card. There was a deal for if you spent {$500.00} in 3 months you get {$250.00} back. I applied. They did a bait and switch and offered me a {$5000.00} card that was exactly the same but without the cash back deal. Here 's a list of why I was denied, they also replied with I have a XXXX credit score which is untrue based on XXXXXXXX XXXX and XXXX website for credit check I'm around XXXX. Why offer me the same card, run a hard check and not give me the cash back deal and supply these reasons. I turned down the {$5000.00} card. 

: Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history Based on your credit report from one or more of the agencies on the back of this letter, there are too many new revolving accounts Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving account
Consumer complaint received 2019-01-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

We have a loan with US Bank. Our monthly payment due is {$490.00}. We are responsible people that like to stay ahead on bills, so I send US Bank {$250.00} every two weeks, when we get paid. I do this so we always stay ahead, and every few months I can skip one payment and still be on time. 

Today we received a rather nasty notice that our account is behind, they have alerted a credit bureau, and they are going to " inspect '' our property. The letter was dated XX/XX/2019. 

They like to keep funds in " suspense. '' This has happened before, and when I contacted them, they literally told me that the payments to our account, were not being applied to the actual bill, rather they were being applied to the principal. According to them, the {$250.00} payments did not count as payments, because they were " partial payments. '' I threw a fit, and they corrected the issue so all the payments were then counted as actual payments on our account. The problem of course, is this keeps happening. In what world do people pay bills and still receive threatening letters in the mail? 

I don't want to have to throw a fit with these people every month. I feel like an XXXX  calling them and saying " Could you count my payment, as a PAYMENT. ''
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2018-06-20
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: EQUIFAX, INC. (TX)

This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EQUIFAX, INC. (FL)

IVE Been fighting this presumed debt since XXXX, ive called the bank over 20 times trying to resolve this matter, the XXXX on XXXX has a debt of XXXX from " XXXX '' which at the time my business account had a XXXX, they claim a debit was made, and i keep asking them how can a debit process with a XXXX?? they can not answer, furthermore their fraud department will not let me file a fraud claim because i dont have my debit card # from XXXX? this is crazy!!! i did also send them a letter asking for " validation '' of debt, they sent me a statement 3 months later, a statement is not " validation '' and i dont know who is stupid enough to buy a XXXX battery???!!! i have went round and round with supervisors and representatives and im sick of it, i do have letters i sent i will have to find them. this alledged debt is from XXXX, and they refuse to remove it and THEY CAN NOT PROVE its mine, its clearly a computer error, i never been to any XXXX, i repair my own truck as i am 12 year XXXX from XXXX THIS IS UNLAWFUL CRIMINAL ACTIVITY by XXXX