davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CO)

On XX/XX/2020 my wallet was taken out of my purse at the Grocery store. My purse was in the child seat of the shopping cart, open as I was pulling out coupons. My back was turned while reading fine print on spices. I discovered the wallet gone when shortly thereafter when checking out. I called the 1800 discover number and told them my card was stolen. I asked that they close the account but they said I had to send them some code. I drove home from the XXXXXXXX XXXX and completed their request. I could not understand how one could have {$500.00} groceries in a cart, but was told gift cards had been purchased. Later I filed a police report and after charges came in from the Discovercard and the XXXX card, I updated the report with the XXXX Police. I was told back in XXXX by one of the store assistant managers that two thefts had occurred that day in the store on the cameras. By the time the police investigated because I did not know final total amount stolen till appeared on statement ( which I then sent copies to police ), I'm to understand they were told the video no longer existed. Over the three months, I have sent Discover the police report and answered all their letters and calls. I have been papered to death by them with papers that have fine print that I have to use a magnifying glass. Today they called and said they were not covering the fraud charges because I had shopped at the XXXX XXXX ( XXXX ) before. XXXX is not a big town and we have one big box store for each vendor, and this is the XXXX XXXX down my street. They are now saying I owe $ XXXX, and I reminded the caller that the government put a restriction on credit card fraud charges of {$50.00}. The Discovercard fraud spokesperson said that the law did not exist. Please advise.
Consumer complaint received 2021-02-04
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)

I am requesting proof of ownership. I did not sign off on this loan. This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Consumer complaint received 2021-10-13
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. (FL)

Fact, notice to all, I am me meaning the name is of me not me ; all likeness and creation is of me and not me, though I is me. I am the consumer in fact, natural person, original creditor, lender, executor, I am the principal XXXX XXXX, I owe no allegiance to another I revoke all prior under signings, underwritings for all matters proceeding. I speak all my facts without prejudice. 

Fact, I consumer XXXX, XXXX was violated by Transunion pursuant to 15 USC 1681b ( 2 ). 

Fact, When Transunion received my affidavit of truth the accounts were removed from my consumer file. XXXX accounts were deleted. 

Fact, pursuant to 15 usc 1681 N -Civil liability for non-compliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Fact, I sent Transunion a affidavit of truth, opportunity to cure, and a finally an affidavit of truth giving them 10 days to respond on the final notice. The notice was received by transunion with an invoice as well. Transunion received my letter the 10 days are past, and my affidavit stands unrebutted. 

I demand double the amount requested. Transunion is corrupted, non-responsive, and was actively committing identity theft. 

Fact this is my last attempt to settle this matter before proceeding to take the ligation route and get a federal court. 
Fact, Receipt number XXXX is my certified mail receipt for default of opportunity to cure. 

Fact, Receipt number XXXX XXXX XXXX, XXXX, XXXX is my receipt for my opportunity to cure. 

Fact, Pursuant to 15 usc 1681 ( n ) I demand XXXX x XXXX accounts that were deleted, and Transunion owes me an additional XXXX for not responding to my demands for they could never prove my accusations as false. deletion is admission. No consent is identity theft. 

I swear all information provided herein I do so under the penalty of perjury that the information I so Affirm to be true, correct, accurate, to the best of my knowledge in ability. 

If this matter is not resolved in the next 10 days i will reach out to the attorney general and federal courts regarding this issue
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MS)

On XX/XX/XXXX I checked my credit on credit karma and noticed that this car loan ( Credit Acceptance Corporation ) was on my report and that i have no knowledge of this loan. I contacted the company and they have informed me that they are only gon na take this off if i dispute it thru the CFPB. I have reported this to the company and they are refusing to investigate or show proof of my signature to show me that i signed a car loan. 

This is a car loan that is dated XX/XX/XXXX and they are reporting that I owe them money for a truck that i never signed for.
Consumer complaint received 2021-05-02
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: Affirm Holdings, Inc (CA)

Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : Affrim INC # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS AFFIRM INC AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with AFFIRM INC or any of its Affiliates nor have I ever engaged in any business with AFFRIM INC in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/year> This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Consumer complaint received 2022-11-17
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. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2021-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Navient is contacting people not associated with my account to speak about my account. 

On either XX/XX/XXXX or XX/XX/XXXX, Navient contacted a someone not associated with my account by phone to try and reach me. Navient falsely claimed they are trying to reach me to " help me '' regarding my account. The individual they contacted is not on my account and not authorized to speak on behalf of my account. I am not disclosing this individual 's name and contact information in this complaint, but I may be able to provide a screenshot of the incoming phone call. Navient should have record of this phone call in their logs, and should be aware of this incident. If they claim not to be aware, then I will file a separate complaint about their conduct. 

I have filed other complaints against Navient regarding contacting unauthorized individuals regarding my account. The CFPB previously ruled that Navient should not do so, and Navient previously agreed to stop doing this. However, once again, Navient is violating this agreement.
Consumer complaint received 2021-05-02
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XX/XX/XXXX i disputed incorrect information with XXXX and XXXX to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2019 my family of four purchased a XXXX XXXX XXXX using our Capital One Savor Credit Card. We charged an initial payment of {$1000.00} on XX/XX/2019 and two more payments of {$980.00} were charged on XX/XX/2019. The cruise was schedule for XX/XX/2019 and XXXX XXXX informed us that the cruise was canceled due to Covid, We did received a letter from XXXX XXXX giving the option of having the full amount of {$2900.00} refunded or receiving a 125 % percent credit for a future cruise. We elected to have the full amount refunded. We only received a refund of only {$1900.00} and we started a credit dispute. Capital One did a initial credit for the {$1000.00} but re-billed the {$1000.00}. Capital one was really no help after this point and multiple different consumer services representatives acknowledged the missing {$1000.00} after looking at our statements. They stated that they did not know know the amount was re-billed. Two XXXX XXXX  Complaints with Capital One and one with XXXX XXXX were made on our behalf. Capital One dismissed both complaints and refused to help. XXXX XXXX was helpful and stated that when Capital One took the {$1000.00} during the initial dispute that amount was deducted from their account and not returned. They further explained if they refund me another {$1000.00} they would be out {$1000.00} and stated that it was an accounting error on Capital One part. The second XXXX  complaint was made against Capital one after learning this with again no help. 

Capital One to this date has still not made me whole or offered explanation. I did pay the full amount on Capital one Account as I did not want to ruined my credit which could prevent me from buying a house, vehicle..
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have been disputing with Experian, XXXX  and XXXX  for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.
Consumer complaint received 2020-12-11
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. (MO)

My identity has been compromised and sold on the dark web. My information also was discovered to been caught up in the XXXX breach. Now there's unknown and unauthorized accounts reporting falsely on my credit files. I now hereby demand the immediate removal of these hinderous accounts. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I was contacted by a debt collector regarding an apartment I toured. I refused payment to debt due to inaccuracy of my address due to their tatics and errors to collect transactions all while refusing to properly breakdown and validate the debt. I spoke with an agent 1 whom was helpful in understanding of the information provided and agreed it should be removed. I uploaded the requested proof and the case was supposed to be investigated and removed. I was then contacted by another agent whom did not check his emails to see the provided proof due to me uploading the documents on Sat and the agent did not see it because He did not work Sunday so he did not notice it. This caused miscommunication in which the agent became very rude, misinformed about the emails that they sent, refusing to acknowledge my current home address and admitting to sending the notice of debt collection warning mail to their own address so I would not be able to know it existed. He refuse to communicate properly & pushed for a transaction, became frustrated in which he screamed and became rude during the conversation and was not aware nor did he pull up the proof of documents I had provided based on the last conversation with another agent of their company. He then hung up the phone causing me to call another agent who was polite and explained to me that it was an honest error on their part yet and mis communication within their company but Its Big Corporation against little consumer he stated that its best to just pay it even though it he knows it was improperly communicated, filed, and debt. He also provided me with inaccurate dates in which the credit will report to my credit date to push for me to pay it in which it never did. They have violated my rights with the inaccuracy & fairness according to 15 U.S. Code 1681 as well as my rights to communication 15 U.S. Code 1692c - Communication in connection with debt collection.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

Focus Receivable Management placed a collection on my credit on the behalf of XXXX. I filed a CFPB report and the company ( Sequim ) asked me to contact them directly. I did not email them as I do not feel comfortable providing my social to a third party. The response from the company was to call XXXX XXXX. I have made multiple attempts to call Ms. XXXX and every time I call it goes to voice mail and her box is full. I have made a video recording of me calling and having to deal with not being able to leave a message. At this point, I feel the company just answered the way they did so I would pay something because they placed it on my credit without any mail or call. I am at lost on how to get this remedy at this time.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

The Credit Bureau, Experian, is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from XXXX XXXX XXXX. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. The attached student loan breakdown is the same from the school and has been in good standing, never late as report but Experian has them both confused. 

The collection agency : XXXX XXXX XXXX sent a notice to Experian on XX/XX/2020 to close this debt because they could not validate this debt with the school. The school would not give them any information to validate where this debt is coming from and who its for so their policy is to close the debt. 
Experian closed the wrong account and closed the student loan to XXXX instead of the collection debt to XXXX. Please correct ASAP!
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax dispute XXXX XX/XX/2020 XX/XX/2020 PENDING This remains pending. I am a victim of ID theft, I contacted them by phone and they want me to mail my ID and SS # via unsecured mail. That is not correct, I have no issue submitting via a secure and encrypted link - but not in the mail especially both documents together that would be horrendous if it gets in the wrong hands. This has been way past the 30 day timeframe and it needs to be resolved. As per the law, Equifax must remove the accounts and notify the other credit bureaus for their removal as the investigation has passed the 30 day timeframe.
Consumer complaint received 2018-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

I had repairs done on my home out of my own pocket, the insurance company did inspections and released the funds to me. I sent checks to PennyMac Loan services because they hold the mortgage. They are now saying they won't release the funds or schedule an inspection so i can finish the sale of my home.
Consumer complaint received 2021-02-04
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. (TX)

I have filed several requests for XXXX  Equifax and XXXX to remove a fraudulent item from my credit report under the name of XXXX XXXX XXXX and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  Equifax and XXXX  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX XXXX and Portfolio XXXX XXXX  Equifax and XXXX  clearly stating that I did not open or authorize any account from XXXX XXXX XXXX and XXXX XXXX Associates. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hello. I am XXXX XXXX, XXXX who doesn't know English. Your response today, for the fourth time, you haven't sent me in the mail, just like you claim all the time, about my complaint on XX/XX/2020, the letter. I don't understand, what is so difficult to understand here, and why aren't you sending your response to me through mail like you said you would. I do not know how to call you and I do not want to call you. Only give me your response on my complaint on XX/XX/2020. 

If you do not send me the response in 2 weeks time, I will contact the United States Treasury Attorney General with copies of all of my complaints and your responses. 

Sincerely, XXXX XXXX