davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Credit Adjusters, LLC (TX)

Someone has used my SSN to get a tax return. I have had a fraudulent check put into my checking account. Someone has managed to be able to get a couple of loans and open a checking account as well. There are 53 hard inquiries on my credit report. I have paid XXXX XXXX  about {$200.00} all together to help get them off. They didn't do anything but call and bug me for more money. I have called the credit bursaries and asked recently and today. so something might change soon. I need to refinance my car with in the next 30 days. I have been dealing with this since XXXX the first time I filed Identity theft. I just did again last month after I found about someone using my SSN to a tax return. I sick of this I've only had three cars on my credit and two credit cards. the refinancing is part of a court order so my ex will get his truck off my credit and I do the same for him. all this is making it financial hard because I need a lower car payment and I need NOT to break that court order. National Credit Adjusters or they go by XXXX, XXXX XXXX XXXX was one but you'll help me with that one and it is no longer on my credit thank you, XXXX XXXX. The XXXX XXXX is the fraudulent check put into my account. I did get a loan with them but a second check ended up in my bank account at XXXX XXXX XXXX and I was cleared of having anything to do with the second check.
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/XXXX I submitted an electronic request for a {$12000.00} balance transfer from Comenity Bank ( XXXX Mastercard ) at zero % interest until XX/XX/XXXX. The transfer was suppose to pay off a XXXX XXXX creditline account. The transfer was not made to " my '' XXXX account, as of XX/XX/XXXX. I have a log of the communication between both financial institutions attached. I have repeatedly requested Comenity for a copy ( front and back ) of the check to XXXX XXXX and they have yet to comply with my request. XXXX XXXX has researched their data base with the check #, trace id # and $ amount that Comenity provided, but nothing came back. 
Since XXXX I have been paying both Comenity and XXXX XXXX with a {$12000.00} balance on both accounts. 
My last statement from Comenity shows they are charging me interest and it should be zero. ( 3 statements from Comenity are attached ) along with Letters I received regarding my dispute.
Consumer complaint received 2020-02-25
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: Informative Research (WI)

I have a credit card with XXXX XXXX and the rep, XXXX told me over the phone that I do not have any late days past 30 days from the XXXX statement. He advised me that the longest I've ever been is 8 days. I asked for him or a Supervisor to remove the late fee, which he did but he can't remove the 30 days past due, even though there isn't one. This is strongly affecting my credit report.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (PA)

My savings account from XXXX XXXX XXXX XXXX was charged on XX/XX/XXXX for the amount of {$38.00}, XX/XX/XXXX for the amount of {$38.00} and XX/XX/XXXX for another {$38.00}. I was again charged XX/XX/XXXX and XXXX of XXXX, and XX/XX/XXXX and XXXX for {$38.00} each. I wasnt charged again until XX/XX/XXXX, XXXX and XXXX of XXXX again each for the amount of {$38.00} to an Amex epayment account. I do not have an Amex account or have ever applied for an American Express card. I have contacted both my bank and Amex. Amex has repeatedly told me that there is no account under my name or social security and therefore can do nothing for me. They insist that it is my bank that needs to further investigate the case. When I call my bank they repeatedly tell me that Amex should be able to look into it since the account is with them. My bank has been helpful in setting me up with a new account. I would really like to know where this charge has come from and where my money is going to and if possible to retrieve the money Ive lost.
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (MD)

The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX College {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX
Consumer complaint received 2020-02-25
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. (TN)

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX {$740.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2022-03-09
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: Resurgent Capital Services L.P. (AZ)

LVNV FUNDING ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting incorrect information to my credit report. I have reached out to have information corrected but they have failed to update my credit report. 
-Missing information Account status -Date last active is different and incorrect with XXXX  and XXXX. 
-Last reported have different dates -two year payment history is blank and incorrect.
Consumer complaint received 2020-02-25
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. (TN)

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX- partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I sent complaint CFPB # XXXX in 2017, about XXXX XXXX XXXX 's Escrow Fraud. I hoped that was the end of it, but 2 months later XXXX   transferred the servicing of my loan to Specialized Loan Servicing and it all started again. XXXX or SLS can NOT show that I ever actually signed up for any escrow what so ever. I DID NOT ASK FOR AN ESCROW ACCOUNT! I have asked for proof that I did, over and over, and they just ignore that part. I have NO escrow account with either company yet they say that I owe over {$3000.00} for this imaginary escrow. I do not! 
After answering to you, they suggested that I have an escrow for home insurance. I made 2 large payments, but they did not pay the premiums for my home insurance with XXXX XXXX and my insurance was cancelled! I worked out a payment plan to be reinstated and demanded that any money from XXXX or SLS be returned. For this current year, I have already paid monthly insurances ( home ) and total flood and taxes. SLS continues to demand thousands from me even though there is nothing to pay. 
SINCE I NEVER SIGNED UP FOR ESCROW, THEY MUST STOP THE HARRASSMENT. THEY PLAN TO FORECLOSE!!! They have resorted to sending back my monthly mortgage payments. I suspect they will then be saying I am " behind '' in my payments? 
I AM ABOUT TO LOSE MY HOME OVER $ 3,000+ which I do not owe and can not pay. I have made my mortgage payment every month. I WANT AN HONEST PAYOFF AMOUNT WITH NO IMAGINARY ESCROW, SO I CAN REFINANCE WITH MY CREDIT UNION. HELP!
Consumer complaint received 2020-02-25
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. (TN)

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX, XXXX : # XXXX {$3100.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX, XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.
Consumer complaint received 2020-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MT)

I receive multiple robo calls every day about consolidating my student loan debt and also calls about real estate properties. Most of them come from XXXX, Arizona. This has been going on for over a year and is affecting my work life. My phone number is XXXX. 

Some of the numbers are : XXXX XXXX XXXX XXXX
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. (CA)

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 XXXXXXXX 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 XXXXXXXX, 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 consumer report containing 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 2021-02-18
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. (TX)

I receive a report from Experian XXXX on XX/XX/2021 the dispute for Method of Verification/ Data Furnisher was not given for Chapter XXXX Bankruptcy.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I wanted to book a flight on line with Spirit Airlines using my Bank of America Spirit Airline credit card using my miles reward. I wasn't able to book it on-line because my Free Spirit Number was incorrect. I called Spirit and was able to book the flight using XXXX of my XXXX miles and an additional cost of {$30.00} for fees. I asked if I could pay for my seat, baggage and change fee protection which their web-site said the cost was {$77.00}. I was told I had to wait for a confirmation number and then I could go online again and get that bundle for {$77.00}. However, when I went online a seat cost was {$45.00} and another {$45.00} for baggage and no change fee protection. Again I called Spirit and was told I could only get that {$77.00} bundle when I booked online. At that time I said I wanted to cancel my reservation and asked if I would get a refund for the {$30.00} and the XXXX miles. I was assured that I would get a refund and it would be credited to my account within 8-10 business days. No refund was been credited to my account as of this date. 

I also asked why I could not book a flight online using my Free Spirit Number but could call and book a flight using my miles. I was told only my husband has that Free Spirit Number account. However, my credit card has my name with the same account number and Free Spirit Number. I asked if I could add my name to the account, even though I have my own credit card and Spirit said I had to call Bank of America. When I called Bank of America they said Spirit handles that.

I have emailed Spirit several times and they told me I have a different Free Spirit Number but that Free Spirit Number account was closed when my husband and I opened this account through Bank of America.
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (OH)

This is a line of credit from synchrony bank, My first, last nameAre completely wrong. For example my first name is the last name in my last name is my first name, The middle initial is not even mine. I contacted synchrony bank today in after spending almost an hour on the phone I got no resolution. The representative wanted me to send a copy of my drivers license to her personal fax number which Im not comfortable doing. My drivers license was provided when i first opened the account and I have made purchase in the past so Im not sure what had happened here.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX I got a copy of my credit report and paid off each item listed. I received another report last month XXXX. Listed on the new report is a debt from XXXX. TransUnion says its verified and will not remove it. The reporting agency, XXXX XXXX XXXX confirmed it was a debt from XXXX that they bought in XXXX. They also stated they sent notices to my old address which I never received.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX Card services # XXXX, XXXX XXXX Bank 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 consumer report containing any of the following items of information. Any adverse of information. other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C1681s-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.