davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (LA)

Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, Equifax and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, Equifax and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, XXXX and Equifax stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.
Consumer complaint received 2024-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CA)

From XX/XX/year>, through XX/XX/year>, I rented a XXXX XXXX from XXXX at the XXXX XXXX XXXX. The vehicle already had XXXX miles on its odometer, so we fully inspected it, took photos and reported the damage at the front gate. We returned the car, without further damage, at the location on XX/XX/XXXX at XXXXXXXX XXXX It passed inspection and we checked out. 

Eleven months later, I received a notice from Viking Client Services, of XXXX, that the XXXX had sustained {$1000.00} in damages and I was being held responsible for the amount. Company representative XXXX XXXX explained to me that Viking had taken over the claim from XXXX XXXX facilitator, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX asserted that I had received a notice from XXXX ( claim # XXXX ) but I tried unsuccessfully to convince him that I had not. Smelling a rat, I asked XXXX XXXX to send me all of the material noted above asap, which he did. 

I addition to the damage he cited, I noted on a photo of the odometer, dated XX/XX/year>, that XXXX miles had been registered in between the time I returned the car and the secondary inspection in XXXX XXXX on that date. The damage must have occurred in the three weeks between my return and that date. I asked for a record of subsequent rentals on the XXXX from XX/XX/year>, but that information was withheld. Somehow, it managed to find its way to XXXX, which is only about XXXX miles from XXXX, if that. ( The odometer reading was XXXX. ) Not having taken out additional insurance from XXXX, XXXX XXXX instead suggested I clear up the so-called debt by making claims to my credit-card company and auto insurer, after sending a check to Viking/XXXX  Since I knew that I had not damaged the car, I interpreted this proposal as a request to commit fraud against those companies. I did no such thing. It's been nearly a month since our last correspondence, so maybe Viking thought better of forcing me to commit such a crime.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Experian placed a fraud alert on my credit report without my expressed permission in violation of the following FCRA regulation : 605A. Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall Without a phone number this alert is useless ...
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I overpaid on some of my student loans and then some student loans were forgiven through the PSLF. I had asked when the overpayments were going to be applied to the student loans who have not been forgiven yet. I was provided a vague response after waiting for an email response from MOHELA for more than a month. They have an over payment yet I am receiving punctual monthly bills to pay my student loans without an adjustment.
Consumer complaint received 2022-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

I have had these student loans with NAVIENT for some years now, and have been very conscientious about my payments. However, since losing my job, my servicer has become more aggressive and less flexible in how they are handling my payments. Even when I was working, they asked me to pay more than 50 % of my monthly earnings as payments. 
This XXXX is becoming more regular, and each time they raise interest, they make it harder to bring payments down to a reasonable number. 
This time, when the " special interest/payment '' period ended, they called my wife multiple times, then they called my mother ( who is a recovering XXXX victim ) multiple times, and THEN they contacted my estranged father ( of 20 years! ) and claimed that I had used him as a reference to borrow money. I have not spoken to my father since I was XXXX, and have NEVER listed him as a contact in my adult life. He was NOT listed as a reference for anything! 
I consider this XXXX, especially when I have made my monthly payments regularly, and often, I have done so even when I could not afford it.
Consumer complaint received 2022-02-03
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: Happy Money, Inc. (CA)

I have XXXX credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. XXXX XXXX Phone # XXXX 2.XXXX XXXX PHONE # XXXX 3. Happy money inc Phone # XXXX
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (GA)

I applied on-line for the card, I entered a balance transfer request of XXXX, it was approved on-line, the website stated that balance would be transferred and the card would sent in a few days. Before I got the card I got a letter ( attached ) that said the balance transfer did n't go through because they did n't have the correct address. No other reason was given as you can see on the letter. I called them to give the proper address, at which point they said they would only approve XXXX for balance transfer. I feel like this was a bait and switch scam.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

I noticed unauthorized inquiries on my credit report that i would like removed, according to the FCRA these unverified and unauthorized items must be removed..i did not authorize these companies to run my credit and that is fraudulent
Consumer complaint received 2022-07-20
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX JXXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Someone else bounced a check on my chase bank account for XXXX I had to pay for it and now have no idea how to get my SSI payments anymore because I'm banned and I don't have any id, they got my wallet. I also have a stimulus check I can't cash right now.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (MA)

On   XX/XX/XXXX   I called the  company   XXXX   XXXX   to cancel my account becouse I was moving out of   that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on  XX/XX/XXXX  a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency  ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad   XXXX   XXXX   did  not informe tham my phone number. Payed the collection agent in full on   XXXX   the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my  credit enven knowing that was n't my fault. I felt wronged for   XXXX   XXXX   because all of this situation was n't my fault.  Thank you Sent from my  XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act XXXX  Account ''US DEPT. OF EDUCATION/XXXX '', XXXX XXXX '' and has violated my rights.

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
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX  XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-06-01
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)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (TX)

I have no knowledge of the debt. They sent sent a link by email to view documents with name of XXXX XXXX with no signatures. It has recently been added to my credit report. The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX. Current creditor is XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, NY XXXX.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (TX)

On XX/XX/22 Coinbase solicited my enrollment in their Coinbase XXXX service. The solicitation offered a 30 day trial period with a confirmation email that stated ( quoting ) : After your free trial ends, your subscription will automatically renew every month for XXXX On XX/XX/22 I noticed a {$29.00} charge from coinbase. I contacted their phone support and explained the situation, asked for a refund and told the agent I had canceled the service. The agent refused to issue the refund I offered to send a copy of the email stating there would be XXXX charge. However, they said that no refund would be considered.
Consumer complaint received 2015-08-06
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Premier Portfolio Group (MD)

I received a call from XXXX XXXX from Premier Portfolio and she stated to me that I owe a payday loan which I opened back XX/XX/XXXX. However, I never applied for a payday loan from this company and I was enrolled with Payday consoldation company which everything was paid off. When I asked her for a letter showing me what I owe, she gave me a hard way to go. I then asked her to email me this information to my email address which I provided to her. I asked her will it be within the hour. I also informed her that I have also contacted my attorney and the attorney general 's office. She asked me for the last XXXX digits of my social security number which I did not provide for her. She stated to me that information was sent to my home and it is showing that I received it back on XX/XX/XXXX. I then asked her for the company name and she then told me that they would not have my information because this company forward to this company. I told her that within Maryland law, if any consumer owes a debt, then a disclaimer is read before a conversation. I told her that I believe that this is a scam and I am contacting my attorney with this information. She told me that she wanted my attorney 's phone number and I asked her if you are willing to provide this information to my attorney then why would you deny me the right to have this information in front of me. I told her that I would like to have this in my email. I still have not received this information through my email. I want to file a compliant and ask that this company not call me anymore.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously reported Transunions inaccurate reporting of my current legal name as XXXX XXXX XXXX. That complaint is still pending. I now see the company has added XXXX to my surname so it reads XXXX XXXX XXXX, XXXX which is incorrect.
Consumer complaint received 2017-08-13
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: Creditrepair.com, Inc. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In XXXX of XXXX, I ordered my credit reports as part of my annual routine to monitor my credit. I noticed an account on all three reports that I did not recognize, and disputed them via their respective web sites. I received a letter from Portfolio Recovery Associates on XXXX XXXX, XXXX in which they allege that I owe them this debt. I replied with a letter on XXXX XXXX, XXXX disputing this account and outlining their noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and 23 NYCRR 1.4 ( c ). They continued reporting this account to the three agencies and called me over a dozen times even though this account was in dispute. They replied with a letter on XXXX XXXX, XXXX in which they still did not prove that they are legally able to collect this debt. I sent them another letter on XXXX XXXX, XXXX outlining their violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX NYCRR XXXX ( c ) and their willful noncompliance with these laws. They sent me a letter on XXXX XXXX, XXXX in which they continued to claim they can legally collect on this debt without providing me any new information or documentation. In XXXX of XXXX, I filed a complaint with the Better Business Bureau against XXXX. Despite various communications from the BBB, XXXX has yet to remove this item from my credit reports, or to provide any believable evidence that they have the legal right to collect this debt. 
XXXX then sent documents to the BBB that they claim were sent to me, but these documents were never sent to me, and contained time stamps proving that they were just printed previously to being sent to the BBB. They intentionally tried to deceive the BBB by misrepresenting the timeline of these documents, as well as made false statements to the BBB about these documents being sent to me.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have XXXX accounts reporting from XXXX XXXX XXXX ( XXXX and XXXX mortgage ). As these are not my accounts, I have an open investigation with the CFPB - case # XXXX. I have contacted XXXX, XXXX and Trans Union on several occasions to have these accounts removed, but have been refused any action. These accounts suddenly appeared on my credit reports in XX/XX/XXXX as 180 days late ( no mortgage reported since XX/XX/XXXX ). I am asking for removal of these accounts at the very least until the CFPB concludes their investigation.