davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (CA)

On XXXX XXXX, 2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( XXXX XXXX ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company XXXX XXXX to file a fraud/complaint. I tried calling XXXX XXXX and of course it is an automated voicemail with instructions on how to report fraud. I emailed the XXXX XXXX at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with Transunion when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.
Consumer complaint received 2022-03-30
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently disputed some inaccurate information ( late payments ) regarding 2 of my accounts. The CRA has these two accounts, XXXX XXXX and XXXX XXXX XXXX XXXXo listed as late and that information is inaccurate. You can not report/treat a payment on an open ended credit plan as late for any reason. Refer to 15 USC 1666 ( B ). Also, under 15 USC 1681 ( b ) it states that I as a consumer would need to give them permission to furnish information on my behalf. To this date I have not granted any of these companies such authority. Any information must be verified and updated to ON TIME or removed.
Consumer complaint received 2018-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harley Davidson Financial Services Inc (CA)

I discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from Harley Davidson. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, XXXX. It should be noted because XXXX is now attempting to be in the CREDIT REPAIR BUSINESS they are violating privacy laws sending affidavits to various organizations without the permission of the victim. I requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.. XXXX refused to respond
Consumer complaint received 2022-07-25
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights and needs to be deleted from credit report these inaccurate addresses are not mine and needs to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this name is not mine and violates my rights XXXX XXXX XXXX XXXX to be deleted from credit reports These telephone numbers are not mine and need to be deleted from credit report XXXX XXXX XXXX XXXX XXXX 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 an account without my written consent
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (PA)

I was a victim of identity theft and I can not get it resolved. I have reached out to Contract Callers Inc and they are not able to assist me. they have placed a collection on my account and will not remove it even after I completed the fraud packet and proved to them that it was not my account and I was a victim of Identity theft.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OH)

I deposit a check for my girlfriend because she is on vacation in XXXX right now and I dont know the rules. And later on Chase bank has sent me a email said my account will be closed. So I called them and went to the local branch. They said they need to get a confirmation from my girlfriend so they called her. But they said the number is not a verified number so they are not be able to reopen the account and let me get the confirmation even she comes here in person when she is back? And according to what they said seems the only thing I can do is to wait my account get closed and this check will be hold for 2 years? Is that even legal?
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payment status reported on the account XXXX XXXX  XXXX XXXX with Experian and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-07-25
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. (IL)

i was a victim of idenity theft. i have 4 accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX fXXXX XXXX XXXX XXXXdate fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # to JH Portfolio Debt Equities which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX/XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX/XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. 
XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. 
Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.
Consumer complaint received 2018-11-05
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft please remove Bankruptcy : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Cavalry SPV I, LLC which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Cavalry SPV I, LLC has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Cavalry SPV I, LLC. Cavalry SPV I, LLC is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: VW Credit, Inc (MO)

I went to Volkswagen in XXXX XXXX MO when I was XXXX years old to look at getting my first car. I was asked by the car salesman to call my mom and see if she would co-sign for me. He explained that I might be able to get a better deal if she did so. After she agreed he immediately started showing me new vehicles. He suggested a lease knowing I could not pay anything over {$500.00} stating that this is better deal. He misconstrued what a lease was and the features on the contract. He stated that when I got to 48,000 miles ( or 4 years whichever came sooner ) the lease would be over and I could end it or trade it in for a new car. When I was nearing this amount of miles I went back to the dealership to discuss my options. The person I spoke to said that everything I said I was told is incorrect and because I was at this mileage at this point in my contract I would be subject to thousands of dollars in fees and suggested I switched to a purchase. I am XXXX now and barely able to survive after making my rent and car payment. I have tried to look at trading it in but I owe about {$22000.00} more than it is worth and nobody can help me. I believe Volkswagen took advantage of my ignorance and lied when explaining the specifics of my contract to me verbally. I have submitted several written complaints via email from Volkswagen Credits website and have never received any response.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

On XXXX XXXX, 2022, I received a letter from XXXX XXXX XXXX, stating that the company had purchased a debt I owed through Jefferson Capital Systems LLC. I paid off this debt on XXXX XXXX, 2022, as agreed. The amount I paid was smaller, but it was agreed upon by Jefferson Capital Systems , LLC. I have sent a letter to XXXX XXXX XXXX stating that I do not owe the debt.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

XXXX XXXX, XXXX. Calls repeatedly, often multiple times per day. When I answer there is no one there and the call disconnects, so I can not ask them to stop calling. I have no outstanding debt of any kind, so should not be receiving these calls. I work nights, and the calls normally start between XXXX and XXXX, and continue throughout the day. 
Just called again today, Monday, XX/XX/18 at XXXX. Called Saturday, XX/XX/18 at XXXX XXXX. Friday, XX/XX/18 at XXXX XXXX. I could go on and on ...
Consumer complaint received 2018-11-05
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

On or about the XX/XX/2018, I XXXX XXXX noticed a OneMain inquiry on my XXXX  consumer credit report dated XX/XX/2018. I am dealing with my identity being stolen and have a fraud alert posted on my XXXX consumer credit report. I contacted OneMain by phone on the XX/XX/2018, and was informed by the Representative, " who would not tell me their name '', that it would be deleted from the XXXX consumer credit report in 30 days. On or about the XX/XX/2018, I XXXX XXXX noticed the OneMain inquiry on my XXXX consumer credit report, # XXXX dated XX/XX/2018 still appearing. I mailed a second notice " validation letter '' in regards to this inquiries and explained that this was conducted without my consent or permission and is a violation of the FCRA, " Fair Credit Reporting Act ''. This action is causing the consumer injury, without proof of my consent or a certified copy of the contract.
Consumer complaint received 2022-10-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : XXXX ; XXXX XXXX  XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-30
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. (LA)

I have called over and over experian needs to delete XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My mortgage account was paid in full with Mr. Cooper in XX/XX/XXXX. I never received a paid in full letter or a copy of the Satisfaction of Mortgage. I requested this information from them in XX/XX/XXXX and it was never provided.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TN)

In trying to make payments via the Target XXXX app, I got repeated error messages and would have to try numerous times before the payment would go through, making my payment 'late ' I contacted customer service and was told nothing was wrong with the app. This is the only account showing late on my credit report and I tried disputing these late payments which did not happen so I wound up here.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (ND)

The customer service is horrible, i have been dealing with navient for years and I can not afford the monthly payments as i am still living in government dorms so my check is not as much i have ask if there was any way i could pay less money and they told me no that i would have to pay the XXXX a month i have tried to get my loans deferred as i am in school and they told me i could only get a 60dy hold and if I'm not more than half time i will still have to pay i am a young XXXXyear old and they are messing up my credit for a degree i didn't even receive navient is very unhelpful and unreliable i would not recommend them to anyone they are not helpful and and if i pay the XXXX a month for 10 years that's over 20,000 when my loans where only supposed to be XXXX and with the mlitiary service member relief act i should be caped at 6 %. If you could help me in any way it would be greatly appreciated.
Consumer complaint received 2023-03-21
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. (PA)

On XX/XX/23 I sent transunion a dispute letter certified mail ( XXXX ) asking TransUnion to re-investigate the late payments on my student loans because I was never late and asked them to send me proof of verification, to which I did not get a response violating several of my rights under FCRA.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Trans union has been putting out high risk letters to people I dont even know about my credit and these people paid trans union money to do that. I cant even get a personal loan or a government grant. They dont care. They lied too so many times. 
They dont bother to ask me anything they just do it without my consent.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

Hello, I paid off everything on my credit card bill. Even though I did so, they charged me the usual interest fee I owed, when in debt. On my new bill, they still want to charge me interest. Even though I do not owe them anything except for my few new charges. I have contacted them about this via secure message through their website. It seems that I can not contact them anymore. I also asked to cancel my card. No response. I need help. 
Thank you