davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (NM)

XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
Consumer complaint received 2020-07-19
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. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (GA)

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.
Consumer complaint received 2019-05-31
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. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (LA)

Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX, XXXX, XXXX ). This was cashed on XX/XX/2017 and the account has not been removed from all XXXX bureaus as of today.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-19
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. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2019-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I got a payday loan on XX/XX/19 for XXXX , payback {$780.00}, Advance America XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX is closing down, I agreed to pay back {$200.00} for, I thought was 4 months, when i went in on XX/XX/19, they tell me I have 7 more payments of XXXX .? thats {$1800.00} on a {$700.00} loan! I am on XXXX XXXX and can not make these payments! Company said, sorry!
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I went to order food on the XXXX of XXXX and noticed that my card was declined. I called customer service of Chase bank and they said that my account is frozen due to someone authorized 3 large amounts though quick pay XXXX  without my approval. Then the claims department said that they are fraudulent accounts and the other person wants their money back. I originally had {$1300.00} in my account after the bank returned this person money left me with- {$3000.00} in my account. I have to pay rent I'm unemployed and XXXX plus I'm engaged to be married how on earth I will ever get out of this situation.
Consumer complaint received 2019-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (WI)

I have a student loan through Earnest and ever since they were bought out and transitioned to to the new servicer I have had nothing but problems!! when I signed up for them they had biweekly auto pay, an app and you could change payment amount online and see payoff date. All of these things are no longer available. The also made me change my payment date when they switched. App has been down for over a year and they have made it next to impossible to pay off the loan. 

I scheduled a payment mid XXXX for XX/XX/XXXX and received confirmation of my payment. It is now XX/XX/XXXX and the payment hasnt posted on my account. It has been taken out of my checking account as of XX/XX/XXXX. Meanwhile the interest keeps accruing! I called Earnest and they tell me that there is a glitch and payments are not crediting. THIS IS A MAJOR ISSUE. had I have not been mini obsessed over my student loans I would have never known and they would have made {$860.00} plus interest off me. The person told me the are updating their system. Updating system when they just did and it wasnt working right? Its been a whole day and my payment has yet to credit. My next payment is coming due soon and I am scared they arent going to credit my account properly for the interest. These people are making $ XXXX a year in interest off of me and they cant even credit my payment?! 

This company should receive action from the government for making it next to impossible for students to pay of their loans and pay them off as fast as possible!
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit Reporting act XXXX, TransUnion, XXXX, also XXXX XXXX has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. There should be nothing negative in my consumer credit report I never gave oral or written consent.! This is a federal violation. Due to the negative reviews on my consumer report I have stuffed great XXXX. I am not able to get approved for anything due to the negligence of the credit bureaus. This had caused me great stressed. I missed out on my dream home due to the false and deceptive practices and the false and misleading information the credit bureaus gave me I lost out on my dream home and I have been mentally drained ever since.
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NJ)

Have a loan with Wells Fargo in the past they added a insurance without my knowledge and repossessed my car they have a lawsuit filed against them where they have to pay all the damages happen to customer becoz of the repossession. 
I give them details of my damage - physically, financially, emotionally with the proof but they are not willing to pay what I m asking for what they are offering me is not fair.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-07-19
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. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (AZ)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2019-05-31
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: EQUIFAX, INC. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2022-09-13
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: BARCLAYS BANK DELAWARE (IN)

Credit report shows I opened a account through Barclays you promise XXXX that I did not apply for and was approved for {$20000.00} I called the company they said they couldnt close the account because someone filed for a lost or stolen credit card I have frozen my credit but Barclays opened another account under XXXX and there security team said they cant stop whoever it is from opening up more automatically that I would have to call them every day
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XXXX, my Student Loan from XXXX XXXX was sold to Navient. I began making payments and inquired about a Public Loan Forgiveness program. Several times the Agent stated that after 1 year of paying with Navient, I could 'then ' apply to XXXX  XXXX and ask for a Public Loan Forgiveness . So, I paid with Navient for a full year. After a year, I called Navient amd askes if I can now transfer to XXXX  XXXX and it was like a totally different narrative. The Agent said I did NOT have to wait a year. I could have transferred to XXXX  XXXX at any time. He was sorry someone had given me bad information. I was sooo mad! I was mislead. I was given wrong info. that kept me paying Navient for a year when I could have been paying XXXX XXXX and having my payments qualify for the Public Service Forgiveness program ( 120 payments ).  I see that a lawsuit was won, and other people had been wrongfully mislead. As a 16 year XXXX XXXX XXXX, I feel I too should be acknowledged as a person who was a victim of Navient. Its fraud plain and Simple! I finally transferred my Navient account XX/XX/XXXX. I have the paperwork. My payments to Navient started over a year before, XXXX. Can your assist me in getting help for this experience? I await your response.
Consumer complaint received 2022-09-13
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. (FL)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Coinbase tech support contacted me, same day, as the complaint I recorded on Coinbase tech support page. The original issue was problems logging in. Tech support said they needed access to my computer. When they did they did suddenly the first week of XX/XX/2021 ; my Coinbase account was drained of over {$3000.00} invested in XXXX. I registered a complaint ( ref : XXXX ) When I returned the call of the tech, named " XXXX '' ( phone # : XXXX ). He said that this was standard procedure and the money would return after the lockout was solved. [ I suspect Coinbase or associates just outright STOLE MY MONEY ] Now weeks later the response to my login is " the account is suspended and I should contact " tech support ''. This is a vicious cycle! 
Coinbase.com has only responded to my complaint with bot responses. NO ACTION!
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I opened a Home Depot Card account on XX/XX/XXXX to obtain " same as cash '' financing. I made my first payment on the due date, XX/XX/XXXX. But because the payment deadline was based on Eastern time and I made the payment at XXXX Pacific time, I was charged a late fee. By the time I figured this out, Citi charged me additional fees. I called Citi and they waived the XXXX fees on XX/XX/XXXX. On XX/XX/XXXX, I paid off my entire purchase amount. 

On XX/XX/XXXX I requested " Please cancel the late fee for my XXXX statement '' via Citi 's message center. On XXXX, Citi responded " A late fee adjustment will be credited to your account. It may take up to 2 billing cycles for the account credit to appear. '' However, Citi never provided the credit for the XXXX late fee and now refuses to do so, stating that they previously provided a credit for my XXXX fees.
Consumer complaint received 2016-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

I have a $ XXXX+ loan with AES and have tried contacting them several times via email AND phone over the last month and have not gotten a response yet. I receive the email stating that communication was initiated by me and that someone will get back to me within 24 hours, but no one ever does. I am so unsatisfied with their services and policies that with thousands of dollars in exchange, I deserve a response as soon as possible. Not to mention, I have an increase in my interest rate MONTHLY. Obviously, I am unhappy to say the least. I need answers. 
Thank you, XXXX XXXX