davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (MD)

I did an international wire transfer in the amount {$2800.00} from my Citi bank checking account to XXXX XXXX XXXX XXXX Bank, .located at XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, money was posted and removed from my account. 
Up till today the recipient XXXX did not receive the amount {$2800.00} over one month and half now and the money has not been returned back to my account as I requested. 

Please I want them to pay my money back or return it from wherever they sent it to because my supposed recipient did not receive the money
Consumer complaint received 2021-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

In fall XXXX I noticed that several older payments in my Fed Loan Serving account, in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' were described as " Payment Is Pending Manual Review '' while I was trying to determine if they will count toward PSLF or TEPSLF. These payment dates range from XX/XX/XXXX to XX/XX/XXXX, and include approximately 26 payments. I called in the fall of XXXX, as well as in the Spring of XXXX, and again today ( XX/XX/XXXX ) and each time have been told that there is no timeline for when this " manual review '' will be completed and was told today it may take over a year. The outcome of these payments greatly impacts financial decisions I will be making in the coming months, and I would like to know when it will be resolved. It's hard because I have received no definite timeline, and it's already been 9 months. These payments should count as PSLF qualifying payments, and I'd like the manual review to be completed so I can apply for PSLF in a timely manner when I am eligible. 

Thank you, XXXX
Consumer complaint received 2022-04-28
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. (NV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXXXXXX XXXX account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Credit Limit, Payment Status, Last Reported Date ( XXXX XXXX, XXXX ), Date Last Active, Date of Last Payment, Two-year Payment History and Comments not showing that I disputed this account are not accurate on all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with Transunion, XXXX and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.
Consumer complaint received 2021-12-04
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. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on XXXXXXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (OH)

I have contacted them and try to rectify the situation and let them know that this was an alleged debt and that they are violating multiple Federal laws.I also stated that our most recent calls are being recorded ( which I can provide to or at any legal proceedings ) The calls has been recorded numerous times and they keep saying that I owe alleged amounts which they can not do legally they also tell me they have the right to tell a consumer that they owe a amount which is illegal they were committing to fraud. Under 15 usc 1692 D no debt collector is allowed to harass or abuse. As stated above I am being harassed via mail, phone, and severely negative impact to my credit report. I told them I do not owe this alleged debt and refuse to pay ( Debt validation 1692c ( right to refuse pay ) but they werent being helpful and trying to use deceptive methods to get me as a natural person for verify and alleged debt. FDCPA violation. Debt collectors can not verify anything I shared that I that I did not want my information shared because I have a right to privacy and they were not given any prior written instructions to share my information. They have called me about three times which they admitted to amd sending letters with all of these things were very inconvenient and according to 15 USC1692 k I have The legal right to request compensation for punitive damages and physical damages my credit score has been severely damaged as a result of this I got high interest rate on a consumer vehicle because of this it has cost me time it has cost me money it has also cost me headaches and it is damaging my relationships with other individuals and other corporations I gave them today as of today which is XX/XX/2021 notice that I am requesting payment of at least five federal violations I do not agree to settle I request that these funds will be sent certified mail to the address on file.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2020-11-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (KS)

my truck was totaled insurance is supposed to be handling this.. told debt collector on XX/XX/XXXX the vehicle was totaled ... ... ... I was told to XXXX out and they would contact my insurance ... .I have repeatedly told them they need to deal with my insurance ... ..they will not respond or take this information ... ... .My insurance has contacted them ... or supposed to ... .I need something done to stop this harassment ... Ally is the debt collector on debt # XXXX
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX.  In XXXX  I have been a victim of identity theft and it took several months for me to get an identity theft report and fix it with credit card companies. It was 16 years ago and Chase bank closed my accounts because of that matter.  In XXXX I have applied for a credit card with Chase bank and they informed me that they will not approve me because they put my name in their black list and they don't want to do a business with me.  In XXXX I have opened my business checking account with Chase and I am getting rental incomes to that account every month.  Last month my banker advised me to apply for a business credit card account.  They requested for a call and a representative from Chase asked me so many questions for about 30 minutes and I got finally approved for a credit card with Chase bank.  I have started to use it and today I got a letter from them which says that they are closing my account for previous unsatisfactory relationship with Chase.  I have called they and their representative informed me that he can not do anything and I am on their back list again.  I have excellent credit history since XXXX and I have a lots of money in the same bank checking account for several years.  They are not allow to put me in their black list because of that identity theft matter I had in a past.  Please help me to fix this otherwise I have a to file a lawsuit against Chase bank.Your help is really appreciated.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been a capital one client for over 16 years opening my first credit card account with them in XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even capital one agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Consumer complaint received 2021-05-25
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)

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2018-07-27
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. (FL)

I am writing to dispute the following information in my file XXXX XXXX  The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (CT)

I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. The XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX Balance : {$6500.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$3400.00} ;
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I paid of a car with XXXX XXXX  in 2019 with a loan from XXXX XXXX. XXXX XXXX  is reporting the payment late. Which is inaccurate. I have reached out to XXXX XXXX  on numerous occasions to get a copy of their records. They told me they have no records of me. So how are you reporting information if you have no records for me. I need help and would like to file a dispute.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

1. ) XXXX to XXXX : HMDA-LAR Public Disclosures obtained from the National Archives show that XXXX XXXX XXXX employed by XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX. operated a nationwide, direct-marketing Boiler-Room in XXXX XXXX, Pennsylvania, which from XXXX to XXXX originated XXXX Subprime Mortgage Loans to financially-distressed consumers ( many, if not most, of whom were of XXXX XXXX, XXXX, and XXXX descent ). The Toxic Mortgage originated were first sold them to XXXX XXXX XXXX  XXXX, XXXX XXXX who submitted them via Certified HMDA-LAR Disclosures using Respondent ID ; XXXX, This XXXX  Bank then sold XXXX of these Toxic Mortgage Loans to it XXXX  Bank Affiliate : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; who then re-submitted them via certified HMDA-LAR Disclosures using Respondent ID : XXXX ( Thereafter, both XXXX XXXX XXXX  claimed ownership of these Toxic Mortgage Loans mortgage loans until XXXX. ) 2. ) XXXX to XXXX : On XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX outsourced the Servicing Rights to hundreds of these Toxic Mortgage Loans to Select Portfolio Servicing, Inc., a Utah-based Debt Collector/Portfolio Disposal Company ; and four days later, on XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX. sold its Co-ownership in these Toxic Mortgage Loans to XXXX XXXX XXXX XXXX XXXX XXXX Both of these actions were designed to conceal the existence of these XXXX-Originated Toxic Mortgage Loans from DOJ Fraud Investigators during the Discovery Phase of the XXXX RMBS Trust Certificate Lawsuit. Serendipitously, these fraudulent acts denied many of financially-distressed owners of these Toxic Mortgage Loans ( many of whom were of XXXX XXXX, XXXX, and XXXX descent ) of their rightful shares of the Consumer Relief/Restitution XXXX XXXX XXXX XXXX, XXXX XXXX, Select Portfolio Servicing, and XXXX XXXX XXXX XXXX XXXX used the Eleventh-Hour Outsourcing Maneuver to hide the XXXX XXXX-Originated Toxic Mortgage Loans originated by XXXX XXXX  XXXX at the XXXX Boiler-Room between XXXX and XXXX ; but had the guts to claimed that they were unaware of the level of toxicity of home mortgage loans they purchased from Subprime Market-Leaders XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX  XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

On XX/XX/XXXX I first notified the credit bureaus XXXX, experian and XXXX  of fraudulent accounts I noticed reporting on my profile. I have sent XXXX certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.
Consumer complaint received 2022-04-28
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. (MO)

I sent an identity theft affidavit to your consumer reporting agency. Their are several accounts and unauthorized inquiries found on my consumer report that are identity theft related. You sent me a letter stating the identity theft affidavit was sent in error. It was NOT. I sent the identity theft affidavit. You are required by FEDERAL LAW to block the accounts from my consumer report. You are in violation of 15 USC 1681 c-2 ( a ). You are also in violation of 15 usc 1681b. I did not give you consent to furnish any of my information. 15 usc 1681n lets me know that any person who willfully fails to comply will be responsible to pay actual damages up to {$1000.00} per violation. I have mentioned two violations. In this report so far. I would advise your consumer reporting agency to comply and abide by federal law.
Consumer complaint received 2021-05-25
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. (IL)

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!