davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on transunion, XXXX, and XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Sincerely, [ Your Name ]
Consumer complaint received 2020-09-14
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 2006 sallie mae had split with Navient. Im somewhere in the middle, it considered federal FFELP but is private. Ive been unable to take advantage of the Pandemic assistance because of this. This whole time ive kept making my paymemts even though i am unemployed. For years Navient had steered me into Forbearance time and time again. Why am i not notified about income driven repayment. Because of the extra pandemic funds i want to settle this debt once and for all, i have had this student loan for 15 yrs. Why will they not settle? Im lead to speak to an attorney for student loans. I have no choice and want to limit further harrassment from Navient and multiple calls per day
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to XXXX XXXX in reference to this account. Iam unable to open my own account because of this account. XXXX  XXXX  refused to help. This is a violation of the fair credit reporting act.
Consumer complaint received 2017-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased a new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I did not receive any information regarding where to pay may bill until a week before the payment was due. I attempted to log into my account multiple times, but the company 's website continually states " We could not locate your account. Your information does not match our records. '' The message goes on to give a toll-free phone number and the hours of operation. When I called the phone number, I would be put in, what I assumed was some kind of call queue. No one would answer the phone. I did finally get to make a payment. However, the only way I could make the payment was to pay {$10.00} more than my agreed monthly payment and I had to make my payment via XXXX XXXX. The company did call me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they called me while I was at work. It is my understanding of the Dodd-Frank act, that debt collectors are not permitted to call you at work. They left a phone number for me to call them, but were not and are not available outside of my working hours making it almost impossible to communicate with the company. I was able to call the company on my way to care for my elderly mother at lunch time. Since I did not have a computer to use while I was driving, the individual I spoke with told me she could not help me. She stated that I am entering incorrect information in the registration form. While I did not have my account number with the company with me at the time - I do not carry such information with me wherever I go - I did verify my social security number which is the alternative form of sign-up on their website. She state that was correct. I have attempted multiple times since then to try to get logged into my account. When I try to sign into the website, I still get the same message " We can not locate your account.... '' My next payment is due tomorrow. I attempted to log in again this evening. Again I got the error message. I have screen-shots of my attempts to log in with the messages. This company is doing its best to unfairly deceive consumers purposely making it difficult to pay their bill in an attempt to force them to use XXXX XXXX and to force customers to pay more than the agreed monthly payment.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (MD)

the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX American Express Credit limit XXXX XXXX XXXX $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, XXXX XXXX
Consumer complaint received 2021-08-09
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. (MD)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

This is regarding a debt with Midland Credit Management. It stated in a letter the original creditor was XXXX XXXX. I sent a letter to Midland Credit Management last year via USPS mail asking for validation of the debt. As of today, I have not received any legitimate validation. I have know knowledge of this debt and disputing this debt. I understand its a pandemic, and things are a little slower, but its been almost a year since I asked for this information.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (FL)

The XXXX tax refund check {$4000.00} from IRS I never received. 
I found someone cashed that check. IRS asked me claim against bank That accepts the check. 
I have contacted CHASE bank since XX/XX/XXXX, Bank have different person Handled my case, After 6 weeks on XX/XX/XXXX Someone from CHASE told me That my case has closed, He gave me the other department number.when I call that department today XX/XX/XXXX, The answer is CHASE response if money From my CHASE account only, I need go back to IRS. 
I felt very helpless and powerless, I do really need your help.
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX, I refinanced my home with Citibank mortgage company. During the refinance it included for my house taxes to be paid. They are due XXXX and XXXX of each year. It is documented in the closing papers. I realized in XX/XX/XXXX, my taxes was not paid. I reached out the mortgage holder now XXXX XXXX XXXX ( thru Citbank ) and the title company XXXX, XXXX. Thru many phone calls between agencies it was it resulted in finding out that XXXX County government never received the check from XXXX, XXXX. in XX/XX/XXXX. I began calling XXXX many times in which finally I spoke with XXXX XXXX who acknowledged that it was not paid and resent the check to XXXX county government on XX/XX/XXXX. But, at that point there was a late fee. So, XXXX county government only accept monies at the exact amount. XXXX County government sent the check to me on XX/XX/XXXX. I then called XXXX again to explain the situation. XXXX then offered to get the money wired to Citibank on XX/XX/XXXX. I continued to check my account and the money was never issued. I call twice a week every week to XXXX and also spoke several times to a supervisor XXXX XXXX which on XXXX XXXX he stated he sent the money to Citibank again. To date the money is not in my escrow account!
Consumer complaint received 2021-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA # XXXX, Date Opened : XX/XX/2015. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

CAPITAL ONE BANK USA N XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to Capital One in reference to this account. Iam unable to open my own account because of this account. Capital one refused to help. This is a violation of the fair credit reporting act.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

When I paid a lump sum of XXXX toward my student loan I was informed that it can not be counted toward the principle until the interest is paid off. I asked if I could apply it toward the principle but they said I could only apply it toward the interest. 

So now I have paid off all my interest and now Im slowly chipping away at the principle which of course makes my payments last longer so they can collect more interest. I feel ripped off.
Consumer complaint received 2023-01-28
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. (OH)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$5.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc (AZ)

I just received my Pandemic Unemployment Assistance on my Paypal card direct deposited a few days ago. Then all of a sudden today they froze my account and limited it after I had tried transfering money to my other card for bills. I have messaged them about 10 times to only be told that I needed to wait for a specialist to help me. I've uploaded receipts, my I'd, I've explained to them it was my unemployment and still have gotten no response and now I have no bill money cause they won't let me use my unployment money in my account.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am an AU on a XXXX XXXX account with a credit limit of {$11000.00} Ive tried for months to get the card to report on Transunion and nothing is working. Transunion is the only bureau that will not report the account. 

Ive contacted the Executive Office of XXXX XXXX and theyve assured me they are reporting the account. I have multiple case numbers where they have shown they are reporting and re-reporting as well as asking for reinsertion of the account and Transunion refuses to report the account. Case # XXXX Transunion is telling me that someone from XXXX XXXX has to call them and get in contact with the local Transunion marketing agents/department in order to have the account report. Transunion will not give me the info to pass onto XXXX XXXX in order to have them do so. Also, XXXX XXXX has said they DO NOT call the bureaus and it is strange that Transunion is requesting they call and refusing to report the account when they are providing them the info monthly. 

XXXX  XXXX is in fact reporting to Transunion, Transunion is refusing to report the account. Im unsure why Transunion refusing the info XXXX XXXX is sending them.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (WA)

I am filing a complaint against JP Morgan CHASE Co in connection with fraudulent attempts to collect an alleged fraudulent debt. On XX/XX/XXXX, an envelope I sent to JPMCB with a validation fo debt letter, and cease and desist letter was delivered to the bank. The Validation of Debt letter explicitly demanded a list of documents to verify the validity of the alleged debt. The letter demanded a response within ten days of receipt of the letter. JPMCB failed to comply to my time request. JPMCB also failed to provide any verification of the debt nor any of the documents I requested. The documents requested included : " The amount you claim the Principal owes.- An explanation showing me how you have computed the amount. The identity of the Original Creditor. Copies of any documents that prove I agreed to pay the alleged amount. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. Evidence of your license numbers and your registered agent. '' In this same envelope, per the cease and desist letter, I demanded that CHASE : - Zero out the balance on this account.- Leave this account open and in good standing.- Delete this accounts reporting from all consumer reports. JPMCB failed to comply to my demands.

Over thirty days past the delivery date, I still have yet to receive a response from JPMCB. On XX/XX/2022 - my statement of facts pertaining to the violations made by the company against me were stated. I also included numerous exhibits to back my statement of facts and all violated codes pertaining to these facts to my case. I included a bill of particulars to demand remedy for JPMCB to alleviate the damages made in connection with the fraudulent collection attempts, fraudulent furnishing of my CRA accounts, and fraudulent basis of the alleged debt altogether due to the absence of any and all proof.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis (TX)

I was notified that a.. MORTGAGE CREDIT INQUIRY had been run, Without my knowledge or permission. 


Date : XX/XX/2018 XXXX, XXXX, and XXXX XXXX : XXXX XXXX XXXX Via XXXX/ XXXX XXXX XXXX XXXX. , XXXX, PA XXXX / ( XXXX ) XXXX My Name : XXXX XXXX
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against TransUnion regarding their failure to investigate the inaccurate items listed on my credit report, despite my documented efforts to rectify the situation. On XX/XX/XXXX, I sent a certified letter via USPS with tracking number # XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion, requesting an investigation into items on my credit report. In addition, I disputed incorrect personal information listed on my credit report.I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. I received a response back from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I have made diligent efforts to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's lack of response and disregard for my consumer rights have caused undue stress and financial hardship. I am seeking immediate intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2020-09-14
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: TD BANK US HOLDING COMPANY (NJ)

I traveled out of the country on XX/XX/XXXX and returned on XX/XX/XXXX, XXXX when I returned I noticed some unauthorized transactions on my TD Bank credit card. I called immediately to report and inform them of the unauthorized transaction on my credit card. Even though my credit card was still in my possession. There were six different transactions that occurred on the card, which summed up to {$760.00}. I spoke with someone on the phone and it was made clear from the conservation that, once the card was in my possession and the transactions proved that the card was physically present for those transactions, there was nothing they could do. She then proceeded to ask to file a police report if I wanted to consider the case legitimate and increasing my chances. I did file the police report and faxed it over. 
Going back and forth on the phone, I was told to go see a local representative at any local Td bank to try and resolve the issue. but when I got there. they informed me that there was " nothing they could do ''. They don't usually handle fraud and dispute. The only thing that was resolved my them canceling my credit card and issuing me another one. 

I received a letter saying my case close and I was responsible for the unauthorized transactions. After reaching out several times, most representatives could not give me a solid reason as to why my case was closed and I was responsible for the {$760.00}. A representative told me to fax the police report over so the can open the case again. Which I did again. Another representative told me they never got my fax. I fax it again. Different representatives gave me different stories as to why my complaint has not being resolved. The recent conversation on the phone with a representative stated my claim was on the system and will be reviewed by top management. 

I was vetting out on social media and my informantion was taken. I lady by the name of XXXX reach out to me. explaining to me the process but nothing was resolved either. She was supposedly in top-level management While this dispute was going on. I was made aware that I am not responsible for any payment until the issue was fully resolved. I was very dismayed when I received a letter on XX/XX/2020, stating that, my monthly payment of {$7100.00} is past due. And before that my monthly payment was {$35.00}. 

This whole process was quite frustrating and not my fault. I don't see any reason why I should be footing a bill I am not responsible for.