davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (TX)

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA XXXX XXXX. Please delete these items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-31
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: CITIBANK, N.A. (IL)

I made a purchase from XXXX on XX/XX/2021 from XXXX XXXX XXXX order # XXXX for a chinchilla coat in the amount of {$5600.00}. The item was suppose to be delivered XX/XX/2021, however I did not receive the coat. I opened a non-delivery case on XX/XX/2021 with XXXX and the seller finally uploaded a tracking number with no name or address that showed delivered. After finally retrieving the package, the item arrived damaged so I have been trying to work with XXXX to resolve this matter because I communicated with the seller and the seller is refusing to allow me to return the item. The item is not as described and that is against XXXX policies. Now I have lost money and stuck with a damaged item because I received a not-as-described damaged item which was completely diffrent than the item pictured and also had holes in it and the seller is refusing to allow me to return the merchandise and XXXX is allowing the XXXX to violate their policies. I filed a dispute with Citi Bank and provided all the supporting documentation needed to resolve the dispute but I have been waiting months and they have refused to provide me a resolution which would be a refund. I have also been waiting for a conditional credit to be applied but they have failed to provide me XXXX and now I have a minimum payment due on the disputed amount.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Upgrade, Inc. (NV)

From the period of XX/XX/2022 to XX/XX/2022, I was on a hardship plan with Upgrade. I opted into the hardship plan because I was getting ready to separate from XXXX XXXX service in the XXXX in XXXX of 2022 and due to my military move, I needed to adjust my finances. While making payments every month, Upgrade Inc falsely reported that I had missed 4 months of payments in XXXX. I had consistently made payments during the summer for the amount of {$92.00}. I was never informed that my payments were less than the amount I was actually supposed to pay ( {$130.00} ). Additionally, I had not been given notice that my payments were flagged as late until XX/XX/XXXX. Due to them failing to inform me ahead of time to correct the error, my credit score has tanked and Upgrade Inc refuses to submit a correction to the credit Bureau. Multiple complaints have been filed to the XXXX  by others regarding Upgrade Inc and the way they conduct business for consumers. Im requesting any assistance to correct my credit and plan to cancel my account.
Consumer complaint received 2022-01-31
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

WELLS FARGO is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( WELLS FARGO XXXX )
Consumer complaint received 2022-08-03
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

I was on a payment plan with XXXX XXXX  that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. XXXX added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from True Accord debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (SC)

Hello, I received two bills for my sons medical service but I recently received a debt collection for {$150.00} usd. 
I have two last names and no middle name, and I think I am being charged using a different name which is not accurate. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (NY)

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

Initiated & Submitted an atm dispute for {$300.00} on XX/XX/2020. I received an email confirmation of receipt of my dispute form. The representative & email both stated that if the atm dispute investigation wasnt completed within 10 days Id receive a provisional credit by the end of the XXXX day ( business days ). On the XXXX business day ( XX/XX/2020 ) nothing had been credited so I called chime and 1st spoke with a dispute consumer rep was told for some reason, my claim wasnt filed. Went ahead and refiled claim and told AGAIN that if dispute investigation was not completed sooner Id receive the provisional credit in XXXX business days. I explained that {$300.00} was for my cell phone bill and was lucky that my carrier understood what happened and gave me an additional 2 weeks to pay which is up 2 days from today. But now Ill have to wait another 10 BUSINESS days which is almost 2 weeks more! I asked to speak with a manager or supervisor because this is unacceptable. After speaking with manager/supervisor she said so sorry I dont know why this happened but I cant do anything about the provisional credit u have to just wait. I again explained I will lose my cell service because I cant pay my bill by the extended date and will lose service for which I need for my job! Sorry wish I could help supervisor says. So because of THEIR mistake I only not go without the {$300.00} but now Ill have to pay all the carrier fees for disconnected service ( {$100.00} ) + possible lose jobs because no cell phone ( anywhere from $ XXXX {$800.00} ). Thats a lot of money that I desperately need now! So bottom line, Im literally paying for Chimes mistake and their incompetence.
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (AZ)

Debt collection company : National Credit Audit Corporation Employee : XXXX XXXX I was told via. Email their client would not settle for less than 20 % of the total debt owed. 

But their websites states a 30 % Settlement offer.
Consumer complaint received 2022-09-30
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AZ)

This is an extraction of the letter I sent to the cmg financial after hours on the phone and no resolution. 

My payment of {$1000.00} made in XXXX of 2021 has not been applied to my mortgage account. I have spent hours on the phone with your associate who have not found the payment nor applied the funds to my account. I have provided bank statements showing proof of the payment. Additionally I have canceled the payment through my bank. My bank initially credited the payment, then your company claimed it was a legit payment and refused to refund the payment. Your accounting office has been worthless and unable to aid in this process. 
I am attaching proof of the payment. You will notice that the account number is different than I currently have. This is because my mortgage was sold to your company and that was the account number I was given by your companies representative. I will provide proof of that call from my call logs prior to court proceedings. I suspect this is why the payment was not originally applied to my account. However after over 5 hours of phone calls and emails with account representatives and supervisors with your company I would expect the problem should be rectified.
Consumer complaint received 2022-01-30
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. (OK)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (KY)

I have applied for XXXX loan forgiveness numerous times, and was given unclear reasons for denial. Now, the most recent re-submitted application is past the 60-day review window and still has not been reviewed or forwarded to the DOE. I was told when I called in XXXX that the application would be forwarded by XXXX I was told on XXXX that it had not even been reviewed yet.
Consumer complaint received 2020-11-10
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: Sarma (TX)

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2022-09-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2022 Capital One reported a late payment and I have proof of payments being made and I ask for ledger of payments made company has failed to provide the information. This is a violation on behalf of capital one to report a late payment as inaccurate and damage my credit report. I want the following errors corrected immediately.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (CO)

Multiple issues : 1. Avid prevents customers from knowing how much interest and fees they charge in total by failing to provide any method to see these totals. They deliberately only provide monthly statements while preventing access to the total amounts.

2. Avid charges interest rates even when paying early. We contacted Avid today XX/XX/2021 and asked for the payoff amount. We were informed that paying early would not reduce the amount of interest charged.
Consumer complaint received 2021-09-20
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im  gon na go to court