davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late?

Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report TAX LIEN Ref # XXXX this lien was withdrawn last month, there is no record of it in the courts, please delete
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MO)

Bought 2 items and mistakenly used PayPal Credit, which I really didnt know I had. I got bill, & paid with my credit card on XX/XX/2020. I got a second bill stating Online Payment Thank You. It showed payment of {$31.00}. Right below that, it showed a - {$31.00}. I thought they made an error and used the - instead of the +. I kept getting bills charging late fees. I called & was told my card did not go through, & I owed the total bill around {$200.00} now. I sent them a check for the original {$31.00} after checking my credit card. The card had been hacked, & we had to cancel the card I used, & got a new card. Not sure if that happened XX/XX/XXXX or not. PayPal credit never sent me a notice that the card payment didnt go through, & I never got any notice from my bank. Things just got all mixed up. I dont feel I owe all the late fees under the circumstances.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

In XX/XX/XXXX, Discover Financial Services began reporting an alleged debt that they claim I owe to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have informed the 3 credit reporting agencies that this debt is not mine and on XX/XX/XXXX XX/XX/XXXXsent me results from my dispute saying that Discover certified that the information belongs to me. 
1. How can a company certify that a consumer owes a debt and a company can not talk. 
2. A representative of the company can not certify that I owe a debt, especially since this is a consumer credit transaction. 
On XX/XX/XXXX, I requested by certified mail that Discover send me validation of debt pursuant to 15 usc 1692g and Discover did not honor my request. Instead on XX/XX/XXXX Discover sent a letter requesting that I provide them with sensitive and personal information that is an invasion of my privacy as a consumer. 
In the letter which is noted as Exhibit A, Discover violated 15 usc 1692b. ( 5 ) by including their logo in the mail content that they sent to my address at XXXX XXXX XXXX, XXXX NJ XXXX. Discover placed this account on my credit report and it is destroying my credit file and negatively affecting my personal life.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

This credit card balance information is incorrect ; the creditor will not provide proof that consumer attempted to correct the information ; the reporting information is incorrect. The account is closed but continues showing updated information as if the account reflected to be open account.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX. XXXX XXXX XXXX on XX/XX/XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/XXXX, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur.,  {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XX/XX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. XXXX, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. XXXX, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XX/XX/XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XX/XX/XXXX.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred two ( 2 ) Non Sufficient Funds fees in the amount of {$35.00} each for a total of {$70.00} in fees. Non Sufficient Funds fees occurred on the following dates : XX/XX/2018 for a transaction in the amount of {$220.00} and XX/XX/2018 for a transaction in the amount of {$18.00}. I'd like to point out that if the first Non Sufficient Funds fee from XX/XX/XXXX was not applied, there would have been sufficient funds in the account to cover the {$18.00} debit.
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.
Consumer complaint received 2017-09-14
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. (AL)

Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX XXXX XXXX XXXX on XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/17, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur., {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XXXX/XXXX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. Equifax, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. Equifax, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.
Consumer complaint received 2021-06-30
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

Hi im XXXX XXXX from XXXX, im new user of this paypal i already sent my ID but my fault are i dont have any card to verify, i need this paypal for my work XXXX XXXX, but suddenly limitted account and i will wait for 180days to widraw my balance, please need help to consider my account if possible, cause i need this for my financial problem, i promise to open a mastercard for validation of account, this is my paypal email XXXX thanks in advance, XXXX
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (IL)

I made a purchase from Nordstrom.com on XX/XX/XXXX and they sent the merchandise to my old address. The merchandise was delivered XX/XX/XXXX and was stolen before I could retrieve the items. I contacted Nordstrom multiple times and they refused to help me. It was even confirmed by a Nordstrom Customer Service Rep that the package was signed for by someone else. Now they are holding me accountable for the charges and I never got the merchandise I ordered. I also filed a police report regarding this incident.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax authorization to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (NY)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2021-02-09
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)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (NC)

I will insert that I have sent to Company.
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX.
I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account.
Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future.
Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Regards, XXXX XXXX XXXX  Please read about my condition. My quality of life has changed.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I contacted my bank ( Chase Bank ) JP Morgan in regards to charges that were being made against my account. This was being done by a 3rd party billing company that was drafting my account to make payment on my student  loan. I paid off my student loan on XX/XX/XXXX in full as since then they have been drafting my account {XXXX} from XX/XX/XXXX till XX/XX/XXXX. I asked for full reversal and credit of these charges and after I was told they would reverse they are not saying they can not as it is over 60 days. I never authorized this charge and I was also not made aware that my Loan was paid off. The third party merchant continued to bill my account even after my loan was already paid off. I was full re-imbursement as I was being billed for something already paid off.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kashia Services (CA)

I have been receiving call at my place of work. And today they started to inform employees I work with about the debt they say I have with them. They called several time including calling me at XXXX on several occasions.
Consumer complaint received 2018-09-27
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. (MD)

On XX/XX/2018 I received a notification XXXX XXXXXXXX XXXX XXXX   reported to TransUnion my credit card account was above the credit limit decreasing my score XXXX points. When contacting XXXX XXXX XXXX XXXX the call again is routed outside of the United States which the agent was unable to resolve. Balance is below credit line
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

XXXX, Equifax, XXXX You are here by orderd to remove this alleged fradualant account at once .XXXX  sent a statment thought the CFPB that this alleged account has a XXXX bal and this alleged account was remove from the past from you CRA 'S. The name was redacted for Hippa and Privacy violations but the account number is statedlook at the balanced owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these document for statment of fact case XXXX XXXX response this should verify the facts stated
Consumer complaint received 2018-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I attempted to pay my mortgage to Bank of America in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX when I called to pay mortgage I received a message stating that my Bank of America Mortgage Account was closed. When I followed up with Bank of America Home Mortgage I was told that my account had been sold to XXXX XXXX. I received no notification from Bank of America about the transfer of my mortgage. I have now received a Foreclosure letter from Bank of America and a call from XXXX XXXX company informing me that I owe them two months of mortgage payment. I have not received anything from XXXX XXXX stating if the interest rate and payment I had with Bank of America remains effective. I have also not received any formal information from XXXX XXXX regarding the terms of my mortgage. I am apprehensive to pay Bank of America and XXXX XXXX because I don't know who I should pay and concerned that one of these companies ( Bank of America ) is trying to rip me off for thousands of dollars that I can not afford to duplicate to another mortgage company