davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (GA)

I attended XXXX University for 6 months I started XX/XX/XXXX- XX/XX/XXXX. the loan that I am concerned about is through US DEPT . OF EDUCATIONGL. 
i have a student debt for XXXX. I don't believe this balance is accurate.i have. tried to call them and ask them to go over the loan and the requested date. XXXX UNIVERSITY was under investigation or student loan fraud. I have placed the amount into forbearance until I can get to the bottom on this loan.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I am receiving repeated phone calls from agents claiming to be from Comentiy bank, regarding a XXXX account. I receive 3 -5 calls daily from different phone numbers and different agents. These agents have also somehow manged to obtain phone numbers for my daughter who is a college student and my father, who is in supported living, and they are making threats to my family memebers regarding me and my collection status. 

I have made payments to this account. I have also asked to have some consistency and work with one agent. They always refuse, and they refuse to provide any kind of documentation or verification with who they are working with. They repeated ask for my full banking information, which I always refuse to offer, since they can not authenticate themselves. I believe this to be either a scam or harassment.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (TX)

TD Bank hired a lawyer to garnish {$2800.00} on XX/XX/2022 from my XXXX XXXX  where no funds were available. Now over drafts are generating from a negative account. I had absolutely no communication with TD Bank and their lawyers. I was not informed of a lawsuit against me nor was served with any court case.
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

ON XX/XX/2019, I RECEIVED A CREDIT ALERT REGARDING TWO STUDENT LOANS WHICH WERE TAKEN OUT USING MY SOC SEC NUMBER AND PERSONAL INFO, AND WAS REPORTED ON MY CREDIT FILES. I NEVER APPLIED FOR THESE LOANS, NOR DID A CO-SIGN FOR THEM. I COMPLETED A DISPUTE WITH ALL THREE CREDIT BUREAUS, FILED A POLICE REPORT, FILED A FTC ID THEFT REPORT, PLACED FREEZES AND LOCKS ON MY CREDIT FILES, AND CONTACTED THE LOAN COMPANY AND COLLEGE. EQUIFAX HAS HANDLED MY DISPUTE ( S ) HORRIBLY. THEY REPORTED REMARKS TO EVERY ONE OF MY CREDITORS/LENDERS STATING " CONSUMER DISPUTES '', WHICH I DID NOT ASK FOR. I WAS VERY SPECIFIC IN MY DOCUMENTS TO EVERY ONE, STATING AN INCORRECT/FALSE ADDRESS AND TWO FRAUDULENT STUDENT LOANS. 
EQUIFAX IS A JOKE WHEN IT COMES TO CUSTOMER SERVICE, NO ONE IS WILLING TO HELP, AND NOT TO MENTION NONE OF THEIR SERVICE AGENTS ARE IN THE UNITED STATES. I SUBMITTED EVERYTHING THEY'VE ASKED FOR, AND YET, THE LOANS & ADDRESS ARE STILL ON MY CREDIT FILE. EQUIFAX IS RUINING ME, MENTALLY AND FINANCIALLY. I'VE WORKED TO HAVE GOOD CREDIT AND SINCE XX/XX/XXXX, IT HAS CONTINUED TO DROP.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This debt was paid as a part of a claim with XXXX claim number XXXX two years ago. My claims adjuster was XXXX. The information is no longer available to me online. On XX/XX/2016 I was XXXX   and XXXX the NJ victim compensation paid all medical expenses.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

An attempt to open an account with XXXX on XX/XX/23 and an attempt to open a XXXX XXXX Account on XX/XX/23. Neither of these attempts were done by me. They have shown up on my credit inquiries. I was contacted by both banks and I reported them as fraudulent and that they were not me. 

Both institutions stated they were not opening the accounts, however I have not been able to confirm this. 

I have called XXXX and XXXX. Calling XXXX next. XXXX requires a letter from the FTC that I reported this before they will remove the inquiry.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Citi has unexpectedly increased all of our interest without notifying us that the entire interest balance was imposed and did not notify us that the promotional no-interest account expired. Fraudulent and misleading set-up of auto-pay and after Citi changed to " Shop your Way Mastercard '' my settings were changed. My settings when I set up autopay on the original website were to notify us when promotional balance ended. This requires immediate attention.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (AL)

Cks financial hit my credit report as a line of credit for {$7000.00}. I have never entered into any contracts verbally or written with this company. They have not sent any correspondence as to why or how my personal identification was used to open an illegitimate account. The desired outcome is for them to remove any open accounts under my personal information and close all accounts or services under my personal information. And to be fined for deceptive practices and failure to communicate intent, purpose and documentation for any open credit services or contracts which I have not been a willing party to.
Consumer complaint received 2020-06-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX charged off a depth and resold it to " XXXX '' a depth collector after 6-7 years of being negative in the Three Major credit bureau. Then this depth was deleted and recently XXXX went ahead and reported it back as a new depth. I disputed it with Transunion because I didn't have knowledge of such depth. After the investigation, Transunion stated that they have verified it as accurate. How can TransUnion report a charged-off account as accurate?
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (FL)

I made a payment to XXXX Visa from TD bank XXXX, under social security XXXX on my checking account on XX/XX/2020 and the TD bank after many weeks refused to pay XXXX  Visa. I am now left with a late fee on the XXXX payment to XXXX XXXX and now behind on two payments. I paid {$100.00} to join XXXX XXXX as well as XXXX a year so it is a total loss for me not to have the card. 
TD bank is locked up, and their phone service is totally unavailable. I wrote them a letter and tried XXXX but they no longer communicate with the customers. My roommate just uses the ATM and no change is available anymore for laundry. I used to get quaarters there.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WSFS FINANCIAL CORPORATION (MN)

XXXX XXXX aka : WSFS XXXX has opened a credit card account under my name without my consent. I reached out to them to resolve this matter however, they refuse to remove this account, and tell me how this credit card account was opened under my name or even disclosed their location. Please investigate this company and find out why they are opening accounts without the consumer 's consent.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do not belong to me
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I had outstanding state taxes due to the Georgia XXXX XXXX XXXX XXXX XXXX XXXX. I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The credit bureaus are telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Experian Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Consumer complaint received 2021-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

In retribution to a complaint filed with the CFPB and XXXX related to one of my business accounts, today, with no change/activity in account status Paypal has closed my XXXX XXXX  account. This account has been limited previously, most recently when my other XXXX account was limited. I have always complied with Paypal 's requests, provided valid information, and paid a significant amount of money in fees to this horrible company. 

Today I received an email that stated that Paypal has decided to close my account without warning and their standard " terms of use ''. This is a clear move to punish me based on my other complaint and should be handled as such. 

They have now made it impossible to transact on multiple other services due to their unilateral bad faith and retribution.
Consumer complaint received 2018-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. 
I contacted Sallie Mae Several times this year, to make sure I was in deferment and no issues. I used deferment to make sureXX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX   and everything would be fine, I would just have my XXXX in-school payments to make. On MondayXX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called Sallie mae and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. 
XX/XX/XXXX XXXX ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. 
XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. 
I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job!
Consumer complaint received 2021-05-22
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. (NJ)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I sent a total of {$2300.00} to a business named XXXX XXXX XXXX via XXXX ( XX/XX/XXXX {$950.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$400.00} ) to receive a business loan, however I was scammed and never received the money. I also would like to point out that I went into a Chase branch and showed them Chase documents that the scammer sent to me regarding the wire transfer, and was told by the banker that the documents were indeed legitimate. After trusting the banker I felt comfortable sending the funds, believing this was a trustworthy transaction. I tried contacting Chase to see if they could reverse or refund the charges, however they only pointed to the terms and conditions of XXXX and said it was non-refundable. They did not try to help at all in retrieving the money or finding a way to dispute the scam. I was told that it only should be used with small amounts and to family, friends, etc. XXXX nor Chase bank makes this information easily accessible and in the end the only person that loses out is the customer/victim.
Consumer complaint received 2020-10-10
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. (LA)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, XXXX and EQ has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Consumer complaint received 2020-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have a student loan with Navient ( originally Sallie Mae ) that I have been paying on for the last 5 years. I have been on an income driven repayment plan throughout this time. The agreement that I made with Navient was that my payments would be based on my income and that as long as I made my payments each month the entire loan would be forgiven in 20 years. 

The loan began at $ XXXX and is now $ XXXX due to interest and despite my monthly payments. I've continued to make payments despite my unrest about the loan increasing in good faith that Navient would honor the 20 year loan forgiveness in the end time. 

I reached out to Navient last month to check on my loan and confirm that amount of years I've have already paid into the 20 year loan forgiveness plan and was informed the loan changed to a 25 year income driven repayment plan. When I explained to the customer service representative for Navient that I did not authorize that change I was told that it would not have changed without my permission. 

I was then put on hold for 45 minutes then informed that the loan changed because I answered one extra question on my annual renewal dated back to 2017 that I didn't need to answer. The question that I answered would not have disqualified me or changed the loan time frame rather, it was just the fact that I answered one extra question apparently. 

I asked why I wasn't informed of this change and was given no answer. I asked how to change this back to 20 year loan and was informed I would have to re-apply for the last 5 years again. 

My loan has only increased in the last 4-5 years despite making all my payments on time. I also noticed on the fafsfa site two loans are in default that shouldn't be. I feel defeated and hopeless that these loans will ever be paid off and that I am only sinking into further debt with Navient. I wrote a letter to Navient explaining my concern and that I was aware of the numerous lawsuits filed by other students for the same reasons and requested a response regarding the matter. I have had no response from Navient thus far and need help to fix this matter. 
Kindly, Former student
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

I ran my credit report XX/XX/XXXX as I am attempting to purchase a home ... I saw XXXX on my credit report. I contacted XXXX, they claimed non return of equipment from XX/XX/XXXX in which I did not recall. I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed XXXX removed and cleared from my report, they promised it would be removed so I paid it but it still remains on my report, the balance is now XXXX but XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letters in XX/XX/2021 regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole 156 points below that shown on my XXXX  credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that Capital One didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that Capital One has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that Capital One blames XXXX while XXXX blames Capital One and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my gender identity.