davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened an account with Capitol One and a brokerage account. i funded the account and i bought some stocks online and the checking account that i funded with cleared and after 15 days they said it then didnt clear and after that they pulled the funds back over and then Capitol One did what they say they would not do and they were telling me they would give me 72 hours to make good the amount reguardless but they did not they sold my stocks within the first two hours of my notice and I did not get the stocks that had already made me over XXXX  and i did not get to male good the account because the online accounts were opened and check cleared for that long since it was a new account they did ten days but it was also opened by ach transfer that cleared and that money was taken to cover the other account and that was not linked though it caused the account overdrawn and yet i had overdraft also and the entire thing turned out without the banking policy of review as i complained twice thru online and written letters and they did not respond to the compliaints and i didnt get any of my money or any of my stocks and no response, that they say were saying i would have the money while investigation would go on et cetera. Reference XXXX also dates XX/XX/2017 available funds
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After careful review of my Trans Union credit report I see there's an account reporting that I'm not familiar with. I have never done any business with this allege company XXXX XXXX XXXX, nor will this allege company be able to provide trans union with any contractual proof that they are legally obligated to report any allege debt on my trans union credit file. XXXX XXXX XXXX has never sent me any correspondence verifying there existence. If trans union continues to report this fraudulent account they will be in violation of multiple FCRA and FDCPA violations.
Consumer complaint received 2019-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (VA)

I have paid the account and I was told it will be reported paid in full and removed. 
there are incorrect late payments. 
the PNC BANK failed to report according to The Fair Credit Reporting Act ( FCRA ). 
IN XXXX XXXX they get paid. I waited 31 days but they failed to reported paid so in XX/XX/2019 I called asking them to remove the account from my credit report a violation of law. The Fair Credit Reporting Act ( FCRA ). yet they failed again to correctly report it. and it still hurting my credit score causing me hardship and finance problems. 
I requesting a removal of the account.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (OK)

Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was approved for a {$2000.00} loan, payable on the XXXX of every month in the amount of {$84.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$90.00} per month. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

Failer to provide proper validation, FDCPA requires verification of the validity of an alleged debt, not verification of your name and amount of an alleged debt. Proper validation should be in the form of documentation from the original creditor, not the debt collector
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report Per XXXX XXXX XXXXXXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  : ; {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that an account was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-02
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)

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. 
Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-07-23
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. (KS)

I have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the XXXX  and XXXX data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.
Consumer complaint received 2022-01-11
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: DISCOVER BANK (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

After taking out student loans in order to finish school. I was unable to make payments. I contacted my lenders and was instructed to send in documentation regarding my financial situation. I did do so, however it was n't credited to my account. XXXX claimed to not receive the documentation required after several attempts to send the documentation. When they did admit to receiving the paperwork, they claimed it was one day too late. This not only affected my credit but it kept me from obtaining employment. I feel their actions were fraudulent. I would like my credit report to reflect that all of my loans were in deferment at the time. Additionally they gave me the wrong information regarding my student loans and was under the impression that they were my only servicer and was responsible for me not contacting department of Education regarding the same loans.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

After the XXXX transfer to XXXX, attempted to gain access to my account with the use of my SSN. Their website said that they did not have my SSN on file, regardless that I have a loan with them. Attempted to call every phone number they had online, but in order to do so I needed to input my SSN, which they apparently did not have on record. Also attempted to contact them through the site, but they STILL needed my SSN. With the way the present site is set up, there is no way I can even get ahold of customer service ( i.e. and actual person ) to help me with the issue.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

CareCredit credit card XX/XX/2019 due upcoming dental work I opened a CareCredit credit card account suggested by my dentist. This was done via the CareCredit Internet site. 

XX/XX/2019 After finishing all pending dental work, the dentists office made a charge to the account. 

XX/XX/2019 Having neither heard any word from CareCredit regarding the charge nor receiving any paperwork regarding the charge, credit cards, or correspondence, I called XXXX. I spoke with XXXX who stated all information was sent out on XX/XX/2019 to wrong address due to a typo. He stated he couldnt ( wouldnt ) tell me more but did tell me that all my payments were due on or before the XXXX of each month and transferred me. I spoke with XXXX who stated all information including the card had been sent to a wrong address and that a new card had been sent. End of conversations. 
Since neither my wife nor I wanted to fall behind on any payments and take advantage of CareCredits no interest offer, a payment was sent per instructions show on the CareCredit web site. A letter was included with the payment expressing our concern about the situation and the possibility of identity theft. 

XX/XX/2019 I checked status of the payment sent to CareCredit. After following directions, the automated system stated that my account was closed. I then spoke with XXXX who stated the account had not been closed but transferred to a new number and that the payment had been applied. I asked for information on the typo that had sent the information to an incorrect address. She stated that I need to contact the Post Office since it was not the fault of CareCredit. I asked to speak to someone else and ( after about 10 minutes ) was transferred to XXXX in the Fraud Department. I explained to XXXX that no of what I was being told made any sense. I had received a statement with the old account number on XX/XX/2019. That statement was date XX/XX/2019 and was addressed correctly. I had received the new credit card on XX/XX/2019. XXXX stated for security reasons he could not discuss any of this unless CareCredit received a request in writing.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX : I mailed by Federal tax return check to " IRS XXXX for {$25000.00} XXXX XXXX : " XXXX '' withdrew the check of {$25000.00} from my account. JP Morgan Chase Bank let her withdraw the money although it being clear wash check. did NOT inform me and send incorrect communication XX/XX/XXXX : i got aware of the check fraud which JP Morgan Chase Bank enabled and did not prevent/support. I opened a check fraud case- and submitted a case at JP Morgan XXXX Local Police and XXXX XXXX XXXX XXXX 
XX/XX/XXXX : I put stop on all my checks- as JP Morgan is prevelant with fraud. 
Multiple times : Every time I called for an update or to fill a form, I am being told to XXXX JP Morgan Chase bank office. This requires to take time off from my work and put my work at risk ( at current time of high layoffs ). 
XX/XX/XXXX : I was told i will not get my money back till XXXX or XX/XX/2023 ( or later ) XX/XX/XXXX : I still have > {$9000.00} in my checking account. Tried to withdraw {$2000.00} from my account. JP Morgan Chase did NOT let me withdraw the money XXXX of above issue. I had to escalate and call my banker. Even for future withdrawals, I was told i will reviewed and it will not be an simple transaction. 

For someone who has defrauded of {$25000.00} and is a victim ( as confirmed by Local police and XXXX XXXX XXXX XXXX ), JP Morgan Chase bank is treating me like I frauded them.
Consumer complaint received 2019-03-27
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. (PA)

Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX  card. Person apparently has all my information including social security number. Every time i try to report to transunion or XXXX, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the credit karma app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that an account was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX