davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
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. (IL)

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Equifax two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/2018I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address isXXXX XXXX XXXX , XXXX, XXXX XXXX please delet/remove any other address they are not mine : 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 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I want to share my disgust in how Wilshire consumer credit was harassing me at the very least 3 times daily. This was AFTER I told one of their agents that I was going to pay this debt off in 2 days. WCC called me from alternate numbers as well as blocked numbers. I instructed the agents to stop calling me to no avail. I have the call logs if needed. I noticed that you already have this company on your radar for these XXXX practices.
Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MD)

At this time I suspect Sallie Mae student loan provider of predatory lending and am writing a complaint. My son is enrolled as a full-time student at XXXX University XXXX XXXX. He has student loans with private student loan lender Sallie Mae. As of XX/XX/2024, his monthly student loan payment with Sallie Mae was {$25.00}. In XXXX, we made a payment in the amount of {$75.00} to cover current amount due as well as advanced payments, and was told by the Sallie Mae representative that the next payment of {$25.00} would be due in XXXX. However, around XX/XX/2024 I received emails and calls from Sallie Mae that the payment was past due. On XX/XX/2024 I called Sallie Mae and explained that the next payment due was in XXXX. The Sallie Mae representative reviewed the account and said that a payment in the amount of {$5200.00} ( not {$25.00} ) was the current amount owed, and was due immediately! She went on to explain that the {$25.00} payment amount was part of the in-school enrollment option ; that option had ended and that my son was no longer eligible, even though he is a XXXX student. I advised that I wasn't aware that the in-school enrollment had a statute of limitations. My son and I had not received any notice from Sallie Mae that the in-school enrollment option was a limited plan, nor that it is independent of a student 's enrollment status. Or or that the payment would be XXXX as high! When asked, Sallie Mae offered an alternative plan, with a monthly payment of {$990.00}! That is still XXXX higher than what was budgeted for my son 's student loan payment amount. I was told by the rep there wasn't an option for the former payment amount of {$25.00}, and I only had 24hours ( ie XX/XX/2024 ) to accept the alternate plan of {$990.00}. As a single income provider, I can't afford this new student loan payment amount.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I have received your reply to Case number : XXXX in which you state that you indeed granted me a loan under the HARP program ; however, the letter that you enclosed was never sent to me. I keep records of all correspondence on this loan. 
The reason I know that you never granted me the loan under the HARP program is because after the loan was approved, I learned about the existence of this program. I questioned your mortgage department not once but several times after that as to why I was not granted the loan under the HARP program and I was told that I had not qualified for it. Should you have granted the loan under the HARP program, should n't your staff have known about it and responded accordingly? 
Also, should you have granted me the loan under the HARP program, the rate would 've been much lower than 5 %. I would 've not need to extend the life of the loan to 30 from 20 years ( previous loan term ) to reduce the monthly payments.
Consumer complaint received 2019-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Somehow, my credit card was used at a Furniture store for {$600.00}. The merchant gave a letterhead invoice stating that the purchase was mysterious and he says that the bank can refund the money. However, Bank of America is denying the claim still.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (FL)

I received mutiple harrasment calls from this debt collector, even when i was at work ( a XXXX XXXX XXXX ) also never received a settlement or the right amount they said I supposdley owed. their product was late and they demanded me to pay for a different ammount of the goods.I reported this collection as fraudulent to XXXX and had it removed from my credit report. I received a letter from Jefferson Capital a few months later with a bill for the amount. I called Jefferson Capital and informed them this had been successfully disputed and removed from my credit report and asked them to remove me from their system. They then asked me to confirm my SSN, when I told them I would not give them my SSN the representative asked if he could read back to me the number they had on file and if I could confirm it that way. He was willing to read my social off without confirmation of who I was! This is absurd. I told them I would not confirm that way and asked for them to remove me once more and hung up. I would like to report this so I have evidence of the incident in case any more issue follows or they attempt to refuel with the credit bureau, this debt ws going to be removed from my file in a month.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Mercari, Inc. (NY)

mercari allowed a buyer on their platform to steal my authentic XXXX XXXX card wallet and has not sent me the money it was worth. i notified them to not accept the return because i thought the buyer would steal from me mercari did anyway. i sent the package and took a video of myself packaging it bc i thought theft would occur. it was purchased on XX/XX/year> shipped XX/XX/year>. the return request they granted on the XXXX, it comes back and low and behold theres no XXXX XXXX  wallet in the package. the buyer stole the wallet and sent a empty package back. as i said they would. i notify mercari that my wallet was stolen the same day they send an automated message claiming billing and payments they say your account is closed never once mentioned anything about my WALLET they allowed to be STOLEN DESPITE ME TELLING THEM NOT TO APPROVE THE RETURN FOR THIS REASON
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (NC)

My information was sold and bought illegally because i was a victim of the Equifax data breach. XXXX, Equifax has done nothing, please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I called after depositing a check from an individual I believed to be real & didnt google the address where the check came from before depositing it. I checked to find it was a property for sale & not a location for the business name provided, which I did XXXX spoke to a chase bank representative worried about the check & asked to have it stop to have her sound very annoyed and explain I would need to call back tomorrow to another department and that there was no way she could put a flag on the deposit.
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have tried to dispute this bankruptcy ; Equifax says they verified using XXXX. But, according to XXXX there is no bankruptcy on their record. So, I do not know how they verified an account that isn't there. Also, I have a letter form the courthouse saying they do not report to the credit bureaus.
Consumer complaint received 2022-12-16
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. (IL)

I had over 60 inquiries that I had no knowledge of I didnt give anyone permission to run my credit. I also have addresses on my report that I never lived at. I have a police report that I uploaded. All three credit agencies I dont have any credit cards nor do I have any personal loans. I would like all these items removed
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (IL)

I have submitted docuents that all my XXXX loans had been repaid prior to a XXXX loan conslidation and that 2 other loans issued by XXXX had been dischagrged in a a XXXX XXXX bankruptcy and that the loans that should be in repayment are loans with a disbusment date of XXXX or higher with the expection of the XXXX XXXX and the total amount for the XXXX consolidation should be XXXX or only loans assocaited with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I have not recived a call or any correspomndeence fro the departpatment of education since my inquiry back in XXXX and subswuent inquiry as outinined in attachements There seems to an issue on wether the XXXX XXXXs werer Priviate/ Altertative loans the gurantor states that they are Priviate/ Altertative loans. However regaldless the bankruptcy judge listed them on the XXXX dischagre papers and adversary proceeding was not required or necesaary as I was only discharging the XXXXXXXX XXXX  which I contend were provaite/alternive how does the gurantor of said loans try to take one to count in XXXX for non payment of said loans AES and Dept of ed have yet to expain why a XXXX AES loan that was never funded / canacleed appreas on the XXXX when I never excuted or requested a that loan
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2024-02-02
Product: Credit 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)

Wells Fargo stated that I rented a car from XXXX on XX/XX/XXXX. I've dispited the transaction several time and they insist that the transaction is valid because the card 's chip was used. I explained to them that the the chip was not used by me. I also told them there was no way for me to rent a car on the day in question because I was having a XXXX and because of the pXXXXXXXX XXXX I was unable to leave my home on the XXXX of XXXX. I sent the bank copies of my medical records to support my claims. I also contacted XXXX, the rental company to question the charge. XXXX indicated that the last record they had of me renting from them was in XXXX of XXXX. I forwarded this information to Wells Fargo, but they refused to include this in the investigation. The bank asked me if I had made a police report and I indicated that I had not because I started the dispute with them and didn't think I needed one, but I would file one. I file the report and gave Wells Fargo the case number. Wells Fargo indicated that they had supporting documentation of me making the charge, but would only that documentation was the use of the chip. I again stated that the chip was not used by me and stated that when renting cars one would need to sign a contract and provide ID. I asked the bank to provide me with that documentation. The bank would only repeat the chip was used. The charge to my card is close to {$900.00} and at the time of the charge my card was maxed out and there was not available fund on it. The only transactions I was doing on the card was payments.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CT)

This Collection Agency Send Me A Bill That I Owed XXXX XXXX XXXX  This Amount, But I Got A Receipt That I Send The Equipment Back To Them. I Have Send This Collection Agency 2 Letters Asking To Investigate This With XXXX XXXX XXXX XXXX Present Moment Nothing.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I am writing to formally dispute the debt you are attempting to collect as well as to bring to your attention several violations of my rights under the Consumer Financial Protection Bureau regulations and the Fair Credit Reporting Act. As per the referenced consumer laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s 2 ( 7 ) ( A ), it is evident that your actions have not adhered to the prescribed standards.

Firstly, I dispute the validity of the debt you are attempting to collect. I have not received any verification or validation of this debt as per my rights outlined in 15 USC 1681s 2 ( 7 ) ( A ) of the Fair Credit Reporting Act. It is imperative that you provide me with detailed documentation verifying the debt, including the original creditor 's name, the amount owed, and any relevant account statements.

Furthermore, your collection practices have violated my rights under 12 CFR 1006.34. Specifically, your failure to provide me with written notice within five days of your initial communication, as required by 12 CFR 1006.34 ( b ) ( 5 ), is a clear violation of the law. Additionally, your failure to cease collection efforts until you have provided sufficient validation of the debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further demonstrates your disregard for consumer rights.

Moreover, your company has failed to provide accurate and complete information to the credit reporting agencies, as outlined in 12 CFR 1006.34 ( d ). The inaccurate reporting of this debt has had a detrimental impact on my credit score and financial well-being. 

Therefore, I demand that you : Cease all collection activities on the disputed debt until you have provided adequate verification as required by law. 
Provide me with detailed documentation validating the debt in question, including the original creditor 's name, the amount owed, purchase agreement between the original creditor and you, also requesting to furnish proof to be licensed and bonded and any relevant account statements. 
Correct any inaccuracies in the information you have reported to the credit reporting agencies and provide me with written confirmation of these corrections.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Auto Trakk, LLC (MD)

I financed a car from a company called auto trak and i was making payments and then had got my own place and start my job got slow and i couldnt keep up with the payments and my apartment and so i had to give up my car unfortunately and where i was staying was high in rent and i got so behind i couldnt catch up and had to give up my place as well and the car was a XXXX XXXX XXXX which i purchased last year in XX/XX/XXXX and that car is not worth XXXX and im asking can i get a settlement and i just want to be flexible on repayments for them but i feel unease by a collections letter and i need help im just trying to get back on my feet im currently staying with a relative.