davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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)

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 FEDERAL TRADE COMMISSION or https : XXXX. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance {$130.00}
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (IN)

I recently called to ask Chase bank why they reported to the credit Bureau that I was 30 days late on a payment that was already paid off. When I called I got this info : They showed that on the XXXX of XX/XX/2019 I was very late on my bill and owed XXXX to bring this balance down to XXXX and be finished with the bill. I paid that amount on the same day the XXXX to being it to XXXX. 

THey say that I tried to make another payment for {$250.00} later that same day and in a few days that came back as a return payment. 

The man on the phone stated to me that if the payment went through then it would have meant that I had a credit on my account for XXXX since I didnt owe anything. 

They updated my account with charges and late fees from the return payment that I had no idea of since I thought I paid off the entire amount. They reported to the credit Bureau that I was 30 days late for not paying what accrued to be {$56.00} The guy representing Chase agreed with me that they were in the wrong for charging me the fees and said they would remove them. I still have {$2.00} in the negative that they are saying that i owe in the mobile app. 

Additionally, because they reported me being late my credit score dropped 51 points. When I called back to ask if they can report that they made a mistake they said I would have to do that on my own. I think that's XXXX.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through Equifax years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

Was contact by an outfit called XXXX XXXX XXXX about an Exxon/Citibank credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from Citibank with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX.
This XXXX XXXX outfit is very sleazy and unprofessional They catch people off guard and out of the blue.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

For several years, I tried to work with the federal student loan servicer about the XXXX XXXX XXXX XXXX XXXX and how they handled my payments toward the XXXX needed for XXXX. The federal service loan company handed off the loans to Mohela just this fall XXXX. I filed a complaint asking for XXXX year of service in XXXX to XXXX in XXXX XXXX for the XXXX attorney to be counted. Mohela finally reflects this first year of service for XXXX XXXX and then proceeds to inaccurately reflect XXXX  years and XXXX  months of service for the XXXX XXXX XXXX of XXXX XXXX. I was instructed by the previous servicer to submit XXXX for XXXX and XXXX to show my service and since I was unable to get anything other than the XXXX 's to show my employment, to submit the XXXX 's which I did. For the years XX/XX/XXXX to XX/XX/XXXX, I also submitted the correct forms. Mohela misstated who I worked for ( saying it was the XXXX XXXX XXXX ) and then proceeded to ignore YEARS of service in their most recent correspondence. By my account, I have made at least XXXX nearing XXXX payments toward the XXXX. I need the CFPB to resolve this issue with Mohela for me and for all the other borrowers who face similar issues with Mohela and the XXXX XXXX XXXX XXXX program.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off the balance owed and my credit card has a {$500.00} credit limit rather it going back to the credit card limit its showing the balance of {$490.00} I been paid off the balance i sent capitol one {$150.00} and then {$170.00} someone is not calculating the balance correctly because one minute its showing the balance is {$170.00} I paid the {$170.00} then the next minute its showing a balance of {$150.00} I paid the {$150.00} and then it was showing a balance of {$120.00} I paid the balance now its saying I owe {$7.00} needs to be paid some reason this balance is not being calculated correctly whatsoever I tried calling them and they're saying its too many callers I need for you all to look into this account because they are not doing right by me in regards to this credit card.
Consumer complaint received 2017-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weinberg Mediation Group LLC (TX)

A woman by the name of XXXX XXXX with Weinberg Mediation called, and left a menacing message saying that they had an important legal matter to discuss with me. If I did n't call her back today, they would take further legal action. 
I looked up the company, and they are debt collectors. I also found MANY places on the internet  where multiple people say this company is a scam. I do n't have any bad debt, but pulled up my credit report to double check. All clean. This company is obviously trying to scare me and scam me out of money. This is unacceptable.
Consumer complaint received 2020-06-02
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)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-11-17
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. (MA)

Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.
Consumer complaint received 2020-10-21
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the 4th complaint I am writing about Transunion. They list an account that they have not properly verified. I have tried reaching out to the creditor using the phone number Transunion lists for XXXX/XXXX  preferred ; however, my contacts have been unsuccessful beucase the number is disconnected. I have also written to XXXX/XXXX  preferred using the address Transunion lists for XXXX/XXXX  on my credit report and the mail gets returned. Transunion keeps saying they verified the debt but clearly they have not updated or verified the creditor contact information.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A delinquent debt with XXXX and XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.
Consumer complaint received 2020-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Due to COVID-19 I have been in a fiscal channel. I have been doing what I can to improve my credit with the objective that I can move toward more resources. I am experiencing uncommon difficulty arriving at TransUnion and endeavoring to address certain information on my credit report. TransUnion has very poor correspondence, I didn't get any updates, nor are they supporting the information I am challenging. Due to the negligence of the credit bureaus I have not had the option to push ahead to quiet a part of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are joined underneath and gotten no reaction. I need to have these issues examined and settled as fast as could be expected under the circumstances.
Consumer complaint received 2020-09-02
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: SYNCHRONY FINANCIAL (UT)

I was part of the XXXX  breach. Years ago, someone fraudulently opened an amazon account in my name and used it. I even hired an attorney and spend hundreds of dollars to attempt to help me with thism and disputed the info several times, but they haven't done anything about it. 

This is FRAUD and has impacted my life for years. I've had countless other accounts that I've always had perfect payment history with, so why would I just open one account and never pay it? It makes 0 sense. 

I have a suspicion my son 's ex girlfriend opened it, but unfortunately I obviously can't prove that. 

XXXX  also has done nothing to help.
Consumer complaint received 2020-06-02
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. (FL)

This is my final request to remove account which was opened by another person, not by me. I did not give permission to open this account and never signed any documents. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2017-08-07
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)

In XX/XX/XXXX, A Thief stole my information and fraudulently opened a XXXX XXXX Account in my name that should have been caught by XXXX XXXX if they did their due diligence. The account was defaulted on by the thief, and went to collections. I received notification when I purchased a new car in XX/XX/XXXX that there was a collection account. Since I did not open a XXXX XXXX account, I contacted law enforcement and filed a police report regarding the ID theft. In XX/XX/XXXX, I submitted a dispute with Experian and provided the police report. They initially removed the credit inquiry and the collection account after providing the supporting police report. In XX/XX/XXXX, I pulled another credit report and saw the collection account was back. I again disputed the information and Experian now refuses to remove it. I resupplied the police report and showed the account was not mine. Experian refuses to cooperate and has not promptly removed it. Now, I can not even pull a credit report online through Experian. It is ashamed that a thief has been able to cause this much damage and the credit bureaus that are supposed to protect my identify are now contributing to the victimization. What more could I possibly do??
Consumer complaint received 2020-05-16
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. (GA)

Equifax did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.
Consumer complaint received 2023-01-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-09-02
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. (MI)

Dated Material - [ Wednesday, XX/XX/2020 [ Early Prior Knowledge Developmental Summary Report ] Identity Report Summary with Possible Relations where the victims/claimant Identity was subjected to a conflict of Interest with the ; Federal, State and  Local Government Operations ] : While living in the State of Michigan Ive been unable to find sustainable -- - Career Opportunities thats financially sustainable where Im able to afford the major essentials such as sustainable transportation due in part to my low credit score where Ive learned prior that my social security had in fact been manipulated fraudulently from a -- - Foster Care Social Services Agency Provided by the State of Michigan where the Agency named ; XXXX XXXX XXXX XXXX and the State of Michigan takes sole guardianship over your private essential documents with supplemental arguments thats sustainable and sufficient by the State of Michigan and the Michigan Supreme Courts System. However ; prior to ; Foster Care Placement Parental Rights ; is relinquish from the primary parental parents where it was determined that ; XXXX XXXX XXXX, was improperly neglected by his or her Parental Guarding therefore ; the State of Michigan and the Foster Care Agency, than appoints the -- - choice Foster Parent as Full Parental Guardianship of the -- - Foster Child ; who is determined as a State Ward in custody of that Foster Parents Care from the time of entry until he or she has phase out of the Foster Care Program. 

Recent Active Activities : Most recently, returning from the State of Georgia, while keeping a consistent investigative challenge with regards to my developing credit report and my credit history where Im challenging credit history by bridging the gaps, to my puzzling Identity and how my identity has shown inconsistency with regards to fraudulent errors done by the below documented suspects -- -- other than my own interest which means I had no known knowledge that this type fraudulent activity would take place upon my identity or upon my personal private credit platform. 

With that be stated -- - I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these vehicle accounts and did not authorize any vehicle to be purchase under my name or identity and never authorize anyone to use my driver license to register any vehicles with the Michigan Secretary of State -- - I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 

[ XXXX XXXX XXXX ] - [ Victim Recorder ] Leadership Development - [ Leader-Principal ] [ Government Member ]
Consumer complaint received 2020-06-02
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. (CA)

Equifax and XXXX  are reporting incorrectly that I am ( 60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.