davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed 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 2018-11-07
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: WELLS FARGO & COMPANY (FL)

I had tried to submit a request for appeal and was denied again and on the response it states that they needed police report information. XXXX Police Dept Case # XXXX filed XX/XX/2018. Since this was what they stated that they needed in order to pursue further, please process. As previously stated, none of the signatures match my signature, many of the transactions occurred while I was working 35+ miles away in XXXX . That is the reason for the re-opening of this case per previous Wells Fargo Case # XXXX.
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (CT)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

On XX/XX/XXXX I attempted to payoff my HELOC with Flagstar Bank ( $ XXXX ) on Flagstar Bank website but received an error message that I could not make a payment online and to call XXXX. Once I got through to a Flagstar representative, I asked why my account was blocked from making a payment online and I was told she didn't know but could make the payment over the phone. I asked to pay the outstanding balance of XXXX $ XXXX but was told the most I could pay at one-time was $ XXXX per day. I said " ok '' to reduce my outstanding principal balance and reduce my interest charges. 

I then confirmed on the website the payment went through ( which it did ) and noticed that I was charged a {$30.00} fee for making the payment over the phone with an agent. This was not disclosed to me and I had no alternative route to make a payment and feel this was very deceitful and deceptive by Flagstar. 

Additionally, I was also able to schedule a second $ XXXX payment for the following day ( XX/XX/XXXX ) on the website ( which I scheduled ) and I incurred no fee. 

On the morning of XX/XX/XXXX, I attempted to pay the remaining ~ $ XXXX balance on my Flagstar Bank HELOC and again received an error message stating I had to call XXXX. After be hung up on and transferred several times, I was connected with a representative in the mortgage department. 

She was able to assist me in scheduling the ~ $ XXXX payment and offered to close my account as well ( this option was not offered when I spoke with a Flagstar representative on XX/XX/XXXX ). She was very helpful and did disclose that I would be incurring a {$30.00} fee ( even though my HELOC has no prepayment fees ) because I made a payment with an agent over the phone. I had no options to avoid this fee and am infuriated that it cost me {$60.00} dollars to pay off my loan because the website wouldn't allow me to make payments.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (WA)

Hi hows it going my name is XXXX XXXX XXXX, I currently am trying to fix my credit to get a house loan with my wife and I see that I got 2 hard inquiries I am not aware about one of them is from ( reliablecred ) and it says finance and idk what that even means the next one is ( CBNA ) and on the bottom it says bank but I do not recognize any of that nor did I apply for anything or try to run my credit cause I know what it would have already said. So how can I get this off of my credit
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00}
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2020-08-06
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. (LA)

ftc violations XXXX XXXX hippa violations all of them XXXX XXXX inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Consumer Financial Services Solutions, Inc. (CA)

I signed up with Beyond Finance XX/XX/XXXX because they claim they would help me consolidate my outstanding balances, because things were tight and Covid had just started and things were shutting down so I was unsure of the outcome and I was never late on payments I had with creditors. 
I was unaware of the impact it would cause. 
Now, I have many charge offs because They instructed me to stop paying. They would try and settle with the credit card companies and upon completion of the settlement, they would report paid as agreed. 
Throughout the process, I was charged massive amounts of money that off the top was paid to Beyond for fees. The payments agreed to was minimal and some would increase when one was complete. 
However, in XX/XX/XXXX there was a miscommunication and they refunded. 
{$590.00} a portion of my deposit. After speaking to several people there my deposit was put back in the account. 
Once the account was restored thee initial XXXX  accounts fell off. I had been charged $ {$7400.00} in fees settled amount {$19000.00} paid {$8100.00} balance due $ {$11000.00} not to include book fees of {$10.00} ea moXXXX {$14.00} ea mo  ( legal ) and as of today those accounts are still open. 
5 accounts have been paid off.Fees charged {$1500.00} settled amount {$4200.00} When reviewing my credit report all I see are charge off. Some XXXX balance and ones that fell through the crack has me owning much more. I have exhausted myself trying to pay this and to no avail. 
I need assistance. Creditors are still calling several times a day. I forward to Beyond but they are still calling me. I have not stopped as yet because I have invested so much and I have also paid off some of the accounts that were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have not been spoken to. I have all agreements receipts and confirmation of payments. I am tapped out!
Consumer complaint received 2022-08-02
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. (LA)

In accordance with the Fair Credit Reporting Act the following companies are violating my rights ; 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I DID NOT give any of these companies permission to furnish these to any consumer reporting agency.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

On or about XXXX XX/XX/2018 I opened three accounts ( Checking, Savings and Business Checking ) with Chase Bank downtown XXXX, Wisconsin ( XXXX XXXX ). The very same day I took the necessary steps in utilizing Direct Deposit with Social Security Administration and Chase Bank. 

In the months of XXXX, XXXX and XX/XX/2018 I still received Paper Checks from SSA. On or about XX/XX/2018I contacted Chase Bank and spoke with Its Bank Manager XXXX XXXX XXXX and he claimed that SSA was at fault for Discontinuing the Direct Deposit. I disputed that assertion and or allegation by explaining to him that SSA Promotes Direct Deposit and XXXX XXXX XXXX. He then informed me that he will make sure that I receive the coupon for the {$200.00}. XXXX Dollars the XX/XX/2018. 

The issue is this.. Chase Bank is Providing {$200.00} Dollars for New Customers that Deposit at least {$500.00} a monthly via Direct Deposit within 90 Days of opening a Checking Account.I meet that requirement. I strongly believe that Chase Bank Discontinued the Direct Deposit in order to Prevent Issuing the Coupon for {$200.00}. XXXX Dollars to myself. I Should have received the Coupon in the month of XX/XX/2018. If, I had not contacted Chase Bank nor SSA or waited too late I would not be receiving the Coupon. I Strongly believe Chase Bank 's actions are a result from XXXX and or XXXX. I am a XXXX Man. In addition, I have issues with XXXX XXXX   as well. See Complaint No. XXXX with this Entity and or Organization. In my experience here in the State of Wisconsin ... Most White People not all.. Support each other right or wrong when it comes to XXXX People. To Punish and or Discipline Us When We Challenge Them and or Exercise our Constitutional Right ( s )! 

The thing about myself I represent Positive Change among XXXX People here in the State of Wisconsin and or the City of XXXX Wisconsin. I've overcome a life of XXXX XXXX, XXXX and addressing my XXXX XXXX XXXX. In which in their demented mind is a Threat To Their System Here Against XXXX People! They don't want us to have Nothing but what they want us to have.. But want us to have Nothing! But will take our Monies as long as they can and or until they meet their personal and or political goals and or agendas. See 2 page legal instruments enclosed. Yes.. I waited this long to prove, establish, demonstrate and substantiate my allegations and or assertions. It's not what I know.. It's what I can prove. Thanks. Be Safe.
Consumer complaint received 2020-08-06
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: EQUIFAX, INC. (NY)

I've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XX/XX/2020. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Consumer complaint received 2020-08-06
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: DISCOVER BANK (WA)

Hello, After reviewing my Credit Report, there is some of inaccurate information reporting on my credit profile. I had reach out to creditors as well as the 3 Credit Bureaus. And there was been no response. The Creditor sent a Transaction Report, and those transaction were not mines. I'm a victim of identity theft. I also reached out to Credit Bureaus over a month ago with no response. I'm asking for these items to be remove that does not belong to me. 

See attachments Thank you
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX  XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. 

I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. 

This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. 

My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. 

I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! 

As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. 

I have sent Navient about 40 documents so I attached only one of my complaint letters, below.
Consumer complaint received 2020-08-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my reportXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$33000.00}