davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The letter below is what I sent to Transunion requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by Transunion. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Total accounts : {$290.00} and {$290.00}. 
I asked them to provide me with information explaining what legal obligation I owe them, and for what services did they provide. I am not liable for this debt for XXXX XXXX XXXX and I do not have a contract with I.C systems. 
I demand that this collection be deleted and removed from my credit report. 

IC System reported a collection acoount for a total of {$290.00} and {$290.00} on behalf of XXXX XXXX XXXX. I have no knowledge of this debt and would love to have it removed from my credit profiles.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (TN)

I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my Experian, XXXX, and XXXX  credit reports. 
Now suddenly Experian has me as my mother 's name and has my real name as an allis name. XXXX  has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX  said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now XXXX  is showing an L1 on my consumer credit report in a different name as well as Experian is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, XXXX. 
It is so amazing to me about what XXXX  is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to Experian, XXXX, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.
Consumer complaint received 2024-02-28
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. (NY)

Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

Amazon Chase approved a credit card allowing me to purchase a product through Amazon on XX/XX/2022. I received an approval email and received the card. XXXX business days later, they closed the account previously approved for the reasons that on XX/XX/XXXX, they approved the credit line. My credit file was unchanged during this time. They have not explained why or HOW the same credit profile within XXXX days was approved and unapproved. I am demanding an explanation or the specific criteria used in both instances. 

In addition, since they wrongly closed the account, I had no way to make a minimum payment online, I received the first statement with a late fee! So I had to mail a check. They have fraudulently closed this account.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Money was taken out of my account fraudulently and Bank of America right away closed the claim and said I was trying to fraud them. I have seen on the news that peoples debit card information has been getting hacked and Bank of America just closes the case and doesnt believe the consumer. I called to reopen the case and they will not even give me temporary cash, this is not my fault I was the victim of identity theft and it seems as they do not care to help. I am struggling my family depends on this money I receive from unemployment.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/2021 My unemployment check was deposited into my PayPal account for the amount of {$780.00}. After the money was deposited, PayPal decided to lock my account and freeze my funds. I have had this account for less than a month. I have done nothing wrong but deposit money and use it to make online purchases. I contacted PayPal and they said I would have to wait 180 days to release my funds. I am unemployed, have bills to pay and a child to take care of.
Consumer complaint received 2020-08-25
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. (OH)

I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Sometime before XX/XX/2019, I received a communication from what is now my former bank, HSBC ( " HSBC '' ), about my savings account and the ending of our relationship because I generated more than six ( 6 ) account transfers within a statement period. 

Since that time, I have had numerous communications with HSBC via telephone, email and their internal communication system offered within my HSBC online account for the return of the remainder of funds in my savings account at the time the account was closed. Each time, I receive a different reason as to why I have not received the funds, including all of the following : verification of residential address, the check was returned based on the residential address on file, the residential address does not match a previous address that was on file, a check will be sent within 7 days, a check was sent. 

Now, I do not have direct online access to my former HSBC account to continue referencing a direct communication to the funds or my relationship with the bank. 

Though there was not much remaining in the savings account, it has become a matter principle in HSBC practicing the business professionally with full accountability.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX I made an attempt to deposit money through a several ATMs. The ATMs werent taking deposits. We only have one physical branch in the XXXX area. But there are several satellite ATMs. I went to every one of them and had no luck. Every ATM was either not accepting deposits or the machine was out of service. Due to the fact that I dont have a way to get to the branch all the time and I homeschool ATMs are my lifeline. Because I couldnt get money in NFCU returned a automated payment of mine from XXXX. On XX/XX/XXXX I again attempted to use the ATM at the branch and it took me through the whole process and then said it couldnt accept my deposit. I immediately contacted Customer Service as I have done many times before regarding the availability of ATMs in my area. I was told that people have been complaining and they have been working to resolve the issue. There was no remedy that I was offered except to submit a complaint. I explained that I had done that and all I was told is that the pandemic caused them a lot of issues. While I get that NFCU is suppose to make ATMs available for customers to pay bills and maintain their accounts. I had to drive to two separate locations before my deposit was accepted. This is an ongoing and continuous issue. Now I am left to pay fees for a returned payment because I couldnt get the money deposited. This has been going on since XXXX and I have been patient but this issue needs to be addressed formally.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've been disputing these incorrect items on my account for a long time, and the three credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the three agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VT)

Since XX/XX/XXXX, Comenity Bank has called me repeatedly (sometimes hourly) from the following phone numbers:

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

If I block one number, they call right back from another one. When I answer the phone,I ask for them to please contact me in writing. They hang up.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (NY)

To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, XXXX  and experian reports. Also I have a derogatory mark from enchanced on behalf of sprint which shouldn't be on there as that was settled at sprint store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/year> I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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