davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. For reference account was opened in XXXX FL I seek prompt resolution to my query. 

This inquiry was investigated though the wrong account details was provided my account I am stating ends in XXXX the company replied back with something that doesnt match my records and 2. I have deposits from XXXX going to this account and I have been barred access the email on file with bank is XXXX my uncle email where my statements are received I keep getting daily balances emails. 3. My account keeps charging and charging but I cant access it or stop anything or get my funds.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I reached out to my bank on several occasions and the bank reached out to company as well. It was a fraudulent transaction so I filed it with the company and they said they would look into it and never did and didnt give me any reason why claim was denied.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2022 {$1800.00} was taken out of my Chase Bank account via in person withdrawal. XX/XX/2022 XXXX {$500.00} was taken out of my account via ATM withdrawal. Chase Bank text me a fraud alert at XXXX on XX/XX/2022 if I was trying to withdrawal {$1000.00}, I text no and they stopped the withdrawal. Then an hour later a fraud ATM withdrawal took out {$500.00}. I never setup up cardless ATM withdrawals and my debit card was with me. 

Chase returned the {$500.00} on XX/XX/2022 then took the {$500.00} back out of my account on XX/XX/2022 because they stated it wasn't fraud. But it was fraud. 

Also Chase bank returned my {$1800.00} back that was taken in person withdrawal. But its confusing that someone took my money out in person without my information. 

I also made a police report today around XXXX XX/XX/2022 via online.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( le XXXX, XXXX XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; DPT EDXXXX XXXX NAVIENT XXXX
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am submitting this CFPB complaint in regards to the erroneous account being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX Balance Owed : {$39.00}
Consumer complaint received 2024-11-01
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. (CA)

I noticed some unfamiliar items on my credit report that may indicate identity theft, as I did not authorize these accounts. Ive raised this issue before, and I urgently request that these accounts be removed from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial management. If we can not resolve this promptly, I am prepared to pursue legal action to protect my rights. These inaccuracies are seriously hindering my financial goals, such as purchasing a home and supporting my family. I hope we can address this issue swiftly. Thank you.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

I called and canceled service from XXXX XXXX back XXXX XX/XX/2022. I called the company they came and picked up the box, I told them I switched over to XXXX, a better product, a better offer, and my internet would freeze and stop working, they refused to come out and check the lines. Once I switched over I never used the spectrum services and they still charged me, when I called back they said they would recalculate my bill and send it. they never sent a bill so I assume it was credited and taken care of. I was never contacted by this company Sunrise Credit Services they just posted this to my credit reporting agencies. I was never late with my XXXX bill so because I switched providers I feel they retaliated and just ignored my rights to cancel my service and go to another company. this collection needs to be removed immediately.
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lincoln Educational Services Corporation (NV)

Lincoln Tech has made a poor attempt to work with us on a payment plan with my sons student loan that I was a co signer on. A late payment was reported to the credit agencies even though We never recieved any statement bill showing payment due and money owed. I attempted to call to enroll in a one time forgiveness repayment plan and they were not accommodating at all. I would like an investigation to help restore my once perfect credit back!
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

EXPERIAN IS REPORTING A FRAUDULENT PHONE NUMBER ON MY CONSUMER CREDIT PROFILE. I HAVE REQUESTED SEVERAL TIMES FOR THIS FRAUDULENT PHONE NUMBER TO BE REMOVED BUT EXPERIAN IS BENT ON VIOLATING MY RIGHTS UNDER THE FCRA GUIDELINES BY REFUSING TO COMPLETELY DELETE THIS PHONE FRAUDULENT PHONE NUMBER FROM MY CONSUMER CREDIT PROFILE EVEN AFTER SEVERAL REQUESTS BY MYSELF TO HAVE IT DELETED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA GUIDELINES AND REPORTING A NUMBER THAT DOES NOT BELONG TO ME ON MY CONSUMER CREDIT PROFILE CAN SUBJECT MY TO IDENTITY THEFT. 
I HAVE ATTACHED A COPY OF MY MY MOST RECENT CREDIT REPORT AND A SCREEN SHOT EVIDENSE OF THE ITEM IN QUESTION. XXXX IS NOT MY PHONE NUMBER. DLETE THIS NUMBER IMMEDIATELY.
Consumer complaint received 2020-01-11
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: Experian Information Solutions Inc. (MD)

I got denied a loan for a car, and the salesman helped me request copies of my credit reports because he was telling me about repossessions that I'd never had, so I ordered all of my reports. There, I found other things on my reports that I had never heard of, and proceeded to write letters to the XXXX and Experian bureaus disputing a lot of these items, and to XXXX requesting a credit report because they claimed not to find me by my information when I called in, despite XXXX XXXX 's service finding my XXXX report supposedly. ( All were mailed out and received with tracking numbers XXXX, and XXXX on the XXXX. ) Oddly, I didn't hear back from any of the three agencies at all. With XXXX, despite writing and telling them that I was being denied credit and sent them another letter requesting the credit report and checking of all inquiries as there are a LOT on my file that I haven't authorized. I had allowed extra time, this being the first time I'd done this, but someone showed me the FCRA, and said I should write all of them back because since they hadn't replied, all that information should be corrected as they'd passed the time frames of federal law. 

I followed that advice for the other two - XXXX and Experian, and sent a letter stating that they were in violation of the Fair Credit Reporting Act ( that I found a copy of on CFPB 's site ) and XXXX acted swiftly to remove the items from the first report, and I have asked them to check into all this mass amount of inquiries that had appeared in the last year as well, This was sent on XX/XX/2019, but I have not heard back yet. Experian, however, responded on XX/XX/2019 for the first time. They were initially mailed the XX/XX/XXXX, and USPS tracking shows received they received it on XX/XX/2019. However, they did not delete items, and keep responding with saying things have not been removed at this point.
Consumer complaint received 2022-09-12
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-01-30
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 (MI)

1 ) I noticed fraudulent transactions on my credit card ending with XXXX on XX/XX/XXXX. The amount in the fraudulent transactions were : {$7.00}, {$370.00}, {$1.00}, {$23.00}, {$33.00}, {$1.00}. I immediately reached out to the bank ( Bank of America ). 

2 ) They canceled my credit card and issues me a new card and took the charge off my credit on  XX/XX/XXXX. 

3 ) In about second week of XX/XX/XXXX, I received a letter of Bank of America stating that I had benefited directly from the transaction ( s ) made on the account.As a result, I will be responsible for the balance on account. 

4 ) I contacted them again stating that the I never did the transaction and I don't agree with their review. They told me that they will investigate again and I will see the charge taken off my credit card after about two weeks.

5 ) Today i.e. XX/XX/XXXX I contacted Bank of America again through phone inquiring about the review and I was told that they have confirmed that the review done by them was correct and they will not take the charge off my credit card.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX accidentally charged me a second time for a purchase I made. I got in contact with them they confirmed it was a mistake but had no way to correct it. They advised me I had to go to the credit card company. I have tried to get it reversed through the credit card company but they say they cant confirm it. A rep from XXXX XXXX emailed me a receipt and advised me to tell Bank of America to reach out to her personally if they needed help to overturn the charge. I submitted it to Bank of America again and somehow they still cant verify. This seems like unfair lending I know you are not supposed to be charged for fake charges. I believe they are only trying to collect interest from me.
Consumer complaint received 2020-10-07
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: Ascendium Education Group (GA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

This debt is not mine and I was given no evidence of this being valid.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

ASCENDIUM ED SOLUTIONS XXXX ASCENDIUM ED SOLUTIONS XXXX ASCENDIUM ED SOLUTIONS XXXX XXXX  XXXX XXXX   XXXX XXXX  XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

Navient keeps adding and taking away balances making my credit score change even though there is A ) a freeze on federal student loans and B ) There is a class action lawsuit and borrower defense involved. There should be NO activity on my student loans. The school that I attended ( XXXX XXXX ) has lost their accreditation and is on the verge of closing and I have been trying to fight the loan for a few years now being they were dishonest during orientation stating the credits would transfer to XXXX XXXX XXXXXXXX XXXX and they wouldn't. The reason I asked if the credits would transfer is because at that point in time ( XXXX ) they did not have a XXXX program. They only had medical assisting classes. I wanted to get my degree in XXXX and was unable to because of this. If I chose to go to XXXX XXXX XXXX XXXX, I would have to take every class over again. This was not fair to the students they lied to to get us to join their college in XXXX, VA. They also lied about job placement and the average income from medical assisting in the area making us believe that they had a contract with doctor offices or hospitals in the area. The most we could get an hour was $ XXXX {$17.00} after paying over {$50000.00} for their classes. This is highway robbery and VERY dishonest.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Based on payment of credit cards recently, XXXX and experian should update credit score to more than XXXX as XXXX did it to support middle class family and children XXXX XXXX and experian are slow to update, it can bother peopleslife