davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-08
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (GA)

My Student Loan Servicer XXXX XXXX has obtained my loans from XXXX XXXX with a consolidation option I have been with XXXX XXXX for 5 years. My loan amounts exceed what I originally borrowed the amounts continue to increase. I am not in default I have repeatedly asked to have my payments lowered but have struggled to pay. I have been certified for the loan forgiveness program through my employer they only credited me XXXX qualifying payments I need a total of 120. I have been with my employer since XXXX. I have made more qualifying payments than what they are reporting. My current loan balance is {$180000.00}. I need help.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC. (CA)

In XXXX XXXX I took out a title loan in XXXX CA. I received {$2500.00} cash and had a XXXX payment on the XXXX and XXXX of each month. I made 4 payments on time and then fell behind. XXXX XXXX XXXX I sent them XXXX. Today, XXXX XXXX, XXXX they came to my house and towed my car way. They want another XXXX plus XXXX for the towing cost. 

I did n't receive anything in writing, and was called with only messages to call them back. I think it 's wrong that I paid the entire loan amount but still owe over 1000.00 in their fees and now they tow my car.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (MA)

XXXX XXXX - Attempted to utilize XXXX XXXX XXXX XXXX to buy an {$200.00} XXXX XXXX Card ( Order # XXXX ). The order was cancelled by XXXX. 
I reviewed the gift card balance to see the return of the {$200.00} to the gift card balance, but was returned to the card. XXXX confirmed that they never accepted any payment as the order was cancelled. XXXX XXXX XXXX, I contact BHN Customer Service to dispute this occurrence and was contacted to say they they need formal request to pursue further. I completed their investigation form and provided on XXXX XXXX. In late XXXX, i received notification that they were unable to resolve my dispute and said the issue is with the merchant.
Consumer complaint received 2018-01-06
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (PA)

IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A WELLS FARGO MORTGAGE PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I paid off my credit card account with XXXX XXXX XXXX on XX/XX/XXXX, and I closed my account with a {$0.00} balance on XX/XX/XXXX. I expected my account status to be updated with TransUnion as closed at that point. On XX/XX/XXXX, I received a report from TransUnion after having some credit inquiries as part of a refinance on my home mortgage and discovered that my XXXX account was still reporting as Current ; Paid or Paying as Agreed and that it still showed a {$15000.00} balance. But the last payment was reported as being made on XX/XX/XXXX. I was hoping it would fix itself on its own and that my report would be updated. When I checked again at the beginning of XX/XX/XXXX, I saw that the account still had not been updated as Closed with a {$0.00} balance. I filed a dispute with Transunion online about the account and explained the changes that needed to be made. They did update some other information, but they verified the XXXX credit card account information as Accurate, according to the Investigation Results that I received on XX/XX/XXXX. The XXXX credit card account information was still INACCURATE, so I opened another dispute for this same issue. I called my bank, XXXX XXXX XXXX, and verified with them myself that the account was indeed closed and I asked them to re-send this information to TransUnion. I also sent TransUnion a copy of the last credit card statement I received from XXXX stating the date the account was closed and showing a {$0.00} balance on the account via postal mail. In response to this dispute, TransUnion sent me back Investigation Results dated XX/XX/XXXX saying they verified the account again as Accurate. They received information from me saying the account had been closed and they are still reporting the account as Accurate, even though the information they have is grossly inaccurate and out of date. I called TransUnion again on XX/XX/XXXX and spoke with XXXX about the XX/XX/XXXX results. She said they verified the information from XXXX as accurate. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and he said that after I had called them in XX/XX/XXXX, on XX/XX/XXXX, they did a credit audit on my account and verified that it was closed and paid off and said they had reported that back to TransUnion. They also updated XXXX today, XX/XX/XXXX showing that my XXXX credit card account is updated as paid and closed. I want this fixed immediately. It is inexcusable that TransUnion is still reporting inaccurate information as accurate even after they have been furnished information that shows otherwise.
Consumer complaint received 2022-04-01
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: LOBEL FINANCIAL CORPORATION (FL)

I checked my credit report and found out that the Bank : LOBEL FINANCIAL CORP is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like lobel having a lease from XXXX XXXX its clearly a Fraudulent Account
Consumer complaint received 2021-02-08
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. (CO)

This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (OH)

I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (TX)

This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account. 

Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card. 

Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong. 

They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years. 

I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted. 

I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '. 

Thanks for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (CA)

My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called XXXX XXXX XXXX and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My phone number was stolen, so that my online banking account password was changed, and my checking account and credit card were stolen. I called the bank on the same day and recovered the stolen money. After a few weeks, the bank I took the money back from me. I went to the bank to ask the bank, and the bank said that the system XXXX was operated by myself! Want me to go to the police station and get evidence from XXXX
Consumer complaint received 2021-02-08
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. (CO)

This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-12-01
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)

My misery continues!!! 

I sent cfpb a complaint about Equifax reporting TWO Social Security Numbers for me when I have only ever had ONE SS # in my entire life!!! Complaint # XXXX. 

You reported that Equifax needed more time than the normal 14 days " investigate. '' Up to 60 days! 

I just received a letter from Equifax dated XXXX XXXX, 2017 saying they need {$8.00} and additional documents that authenticate my identity -- including ironically -- a copy of my SS # Card! 

This is outrageous. 

There is no way to report additional events on the original complaint. So I am opening a new complaint here. 

Please help me to regain singularity in my identity! 

One SS # is all I need. 

Thank You.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

My PayPal account was closed for no reason as soon as I received a payment then they locked and and closed my account permanently and said I would have to wait 180 days I want my money released to me now I have not went against any of there guidelines and would like my money released and Ive tried for weeks to get it released So I contacted yall because they are not doing there job right the email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-03-21
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. (NY)

They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my  report as inquiries as they are fraudulent
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

Spoke to company on one occasion and requested validation and all paperwork pertaining to this debt ( XXXX XXXX XXXX ). Nothing was ever received. I disputed the validity of this debt at least 2 times with Equifax.. I did not receive any proof that this debt was valid nor did I receive any written correspondence from the collection agency or the Credit bureaus that this debt was authenticated. I spoke to the Credit agencies and they insist all information was validated. I have requested to have the information they used to validate on my report sent to me or to remove the account from my credit file. I have not received any information from any of the credit bureaus but they maintain the information was validated. This is in violation of the FCRA.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ceannate (WA)

Entered into a rehabilitation loan repayment program about 11 months ago and was told that First, the interest would be at XXXX balance owed when completing the program. I have looked into the law regarding what governs this under 34 CFR 662.405 section 4, Vi, Paragraph B, of which it clearly states that they can not charge more than 16 % total collection costs to be added to the unpaid principal of the loan when the loan is sold to an eligible lender or assigned to the Secretary, which may not exceed 16 % of the unpaid principal and accrued interest on the loan at the time of the sale or assignment. The amounts shown would indicate that this would be more than 16 % and I was not notified within the 45 days of this assignment that it also clearly states in the CFR. I had brought this to the attention of the interest charges were way to much and I am asking that they recast the discrepancy that I had originally requested before transfer to a servicer.