davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-10-19
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: Synovus Bank (WA)

I have reached out to First progress multiple times requesting a XXXX balance letter to be mailed, faxed, and emailed. I have paid the account off in full before it has reached collections and have applied for a home loan and this would greatly impact my score if I could get what I requested. All agents I have spoken with have given me a run around and delayed precious valuable time.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Deposited XXXX into personal checking with chase bank XXXX XXXX branch zip XXXX. 
Branch manager XXXX XXXX confirms availability by voicemail on XX/XX/23, in addition I called customer service to confirm which they did. The check was written for XXXX check XXXX and chase called me to confirm validity which I did, they bounced the check payable to my XXXX XXXX account at XXXX XXXX. I went to chase branch above, they wired it out. I called fraud while sitting in the branch, they wire they said was sent. XXXX that evening, still pending, I called and they sent me to fraud despite verifiying in person and via phone with their etf dept. They said ok, its all good. The wire was delayed 2 days, I have still no explanation why my original check was returned. The branch manager declined to speak with me directly. Sad this was my first ever bank account with positive longstanding deposit history. 

I am demanding a bank letter of error for the bounced check. And {$8.00} fee I received from XXXX. 

Thank you
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

The issue I am having is with capital one credit card company not applying my payment {$2100.00} when using my banks online payment method. The most recent issue was I mailed my full payment to capital one on XX/XX/2023 and they claim they did not receive it before the payment due date " XX/XX/2023 '' thereby applying a late charge and penalty interest to my account. After learning of the " missed '' payment I made an inquiry at my bank and learned that the payment had cleared, and they already had a copy of the canceled check. When I called capital one on XX/XX/2023 in regard to my account, they had no record of my payment, when informed them that I had a copy of the cleared check capital one agreed to start an investigation.
Consumer complaint received 2022-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

This student loan was taken out in XXXX XXXX with Navient. I am the co-signer for this loan, my son became XXXX in XXXX and have not been able to pay, so I'm doing the best I can! I'm XXXX and only get a limited amount each month. 
The part that bothers me the most is, the original loan was for {$23000.00} and 10 years later we still owe {$22000.00}. After caculating what we have paid on this loan so far totals {$20000.00}. My son paid religiously on this loan, then capitalized interest was added. See the list that was added .... In XX/XX/XXXX {$3300.00}, XXXX XXXX {$480.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$520.00}, XXXX XXXX {$360.00}, XX/XX/XXXX {$680.00}, XX/XX/XXXX {$140.00}, XXXX XXXX {$97.00}. PLUS the additional interest that was added each and every month. My son had a hard time finding a job after he graduated and the loan went into Forbearance twice, in XX/XX/XXXX and in XX/XX/XXXX, BUT during that time he did pay a discounted payment. 

As you can see, it's very frustrating to know that this loan has been paid on for 10 years, starting with a {$23000.00} loan and as of XX/XX/XXXX balance {$22000.00}
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (NJ)

Under 15 U.S. Code 1602 ( l ) 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.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXXXXXX Balance {$2700.00}, XXXXXXXX XXXX XXXXXXXX Balance {$13000.00}
Consumer complaint received 2022-09-03
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. (CA)

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX account 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. TRANSUNION was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION is reporting unauthorized inquiries on my CONSUMER REPORT. TRANSUNION is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO TRANSUNION WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to XXXX XXXX XXXX A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2022-07-22
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. (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. 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. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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. (FL)

I have no knowledge or any records of this account on my credit report. 
I disputed this unknown medical account with XXXX XXXX XXXX and have had no valid response. Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete. Be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. Additionally Experian is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I also reserve the right to include your Bureau in any legal remedies I pursue.
Consumer complaint received 2023-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2021-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am in the process of refinancing my 1st loan and must close escrow at the end of XXXX. My loan with SPS is my 2nd therefore I need to get a subordination. I started the refinance process in XXXX and in XXXX my lender repeatedly reached out to SPS in regards to the subordination but never got a response so they asked me to contact SPS. In early XXXX, I reached out and SPS sent me the list of requirements for the subordination package. OnXX/XX/XXXX, my title company sent in all the requested info. As of today, I have not heard from SPS. I called a couple of times and have been given varying information ranging from " there's no new entry in your account '', " it normally takes 30-45 days '', " there are no timeline requirements '' and " unfortunately it can take a long time ''. I told them that I just wanted to confirm that the request was being worked on and what date it was received but I was told that the received date was irrelevant ( as it wasn't looked for or found ) and that yes it was being worked on ( although it wasn't checked '' ). 

I previously spoke to an ombudsman, XXXX, regarding another issue with a " lost '' Note and I mentioned to him that I was in the process of submitting a subordination packet and he had advised me that once it was received it would take up to 14 days to process and return. 

At this point, I just feel helpless as I have not been able to get any type of real answers. 

I have had several issues already including a lost and unaccounted for payment when this loan was first transferred to SPS and also a Note that could not be located. The Note was needed as part of my refinancing and there was a delay of more than a week before SPS finally found my Note.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For the 2nd straight month XXXX has reported my account as 30+ days late, last month XXXX admitted that they made a mistake and reported inaccurate information to both Transunion and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( transunion and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CT)

I submitted my employment certification for public service loan forgiveness on XX/XX/2021 and it has not been processed yet. I have tried calling several times over the past XXXX weeks and I wait on hold, the phone rings, and it hangs up.
Consumer complaint received 2021-03-22
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. (NC)

Upon ordering a credit report from Experian in XXXX i called multiple times because i notice Experian is reporting fraudulent addresses and information on my credit file ... ... on XX/XX/XXXX i spoke with an employee by the name of XXXX and told her that my information such as my name, date of birth and social security number was hack and stolen in the XXXX XXXX XXXX back in XXXX and those addresses are fraudulent and i do not live there and the information is inaccurate and its a violation of FCRA ... ... XXXX told me that i could not dispute inaccurate addresses and i would need to wait 7 years until the address removes on its own, so i ask for an email, address or fax to experian so that i can provide supporting documents, she told me Experian does not give out that information and the addresses cant be disputed. 

on XX/XX/XXXX i called and spoke with XXXX and ask to speak with a supervisor and was told there is no supervisor to talk to, then i ask XXXX can he provide me with Experian hXXXX office phone number, email or address because i wanted to file a complaint, he told me its against experian policy to give out the companies information. 

I believe Experian is knowingly reporting inaccurate information on my credit file
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was informed by XXXX that a credit card application was filed in my name in XX/XX/2022. Also, I received a notification that there was a change of address in my name to an address in XXXX where I have never lived. I discovered that the credit card that was open was an account with Bank of America for XXXX XXXX when I was attempting to contact Merrill Lynch about other accounts. I contacted Bank of America in XX/XX/2022 and told them that I had never opened the credit card. Initially they filed it as being a credit card that I had open but that someone had stolen the number. They then kept the account open. 

I only discovered this because I didnt feel comfortable with my interaction with the person I spoke with at Bank of America and decided to call Bank of America again a few days later. That is when I discovered that they had left the account open and were going to send me a new credit card. I informed them that I never opened this account, I do not want this card and that this was fraud. They then told me they would cancel the account. I subsequently contacted the credit bureaus and put a fraud alert on my accounts for XXXX year. 

However, I am still seeing this account open on my credit report with the balance of debt affecting my credit score. I believe the credit balance is over {$2000.00}. However, since the person who fraudulently created this account changed the address to an address in XXXX, I have never received a single statement. 

I also recently saw from XXXX that someone had tried to open a XXXX XXXX credit card in my name. In XX/XX/2022. This also was not me and I fear that this inquiry has affected my credit score as well.
Consumer complaint received 2021-10-18
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: Mountain Run Solutions, LLC (FL)

On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The afore mentioned accounts have violate my rights per the following laws : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.