davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (MS)

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, XXXX, XXXX and Experian. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Consumer complaint received 2019-11-19
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. (FL)

on XX/XX/ 2019, I demanded Experian to send me Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Experian failure to accurately verifies these accounts has hurt my ability to obtain credit. 

In the results of their first investigation and subsequent reinvestigation, they have stated in writing that they have verified that these items are being reported correctly Who verified these accounts? 

They 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 they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

I have also contacted the collections agency and was not able to get those debts validated by them. 


The unverified items listed below remain on my credit report in violation of Federal Law. they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately according to as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Name of Account : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (MI)

I ordered some merchandise on line from a jewelry store. I never got the items I ordered yet my bank took the money out of my account any way. I provided the bank with the police report that showed them that I never received the items I ordered because they where stolen before they ever reached me. Police report # XXXX
Consumer complaint received 2022-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I was recently informed that I did not Qualify for the Navient Cancelation of Private student loans. I feel that I should have qualified for the following reasons. 
I obtained my loans in XX/XX/XXXX. I had maxed out my deferral with Sallie Mae shortly after having repayment began because the payments were too high. I lapsed on quite a few payments. I was pressured into a payment plan to stop the harassing calls and bad reporting on my credit, Unfortunately the payment plan lowered my Monthly payments but it was at a negative amortization. I delt I had no choice but to accept a few times. And although I was told that they will stop the negative reporting on my credit with the new payment plan they did not. I called to inquire about it and was told until all back pay including the added amounts to the balance was paid they will continue to report it as late. This was not the way it was explained to me prior to signing up. I have only been just recently able to pay down some of the principal and I have been paying on these loans since XXXX. 
Also the loans are high interest and they refuse to allow me to refinance. I feel this is not fair. I feel trapped.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc. (CA)

I have received in the mail an unsolicited debit card from Money Lion. It purports to be a mastercard debit card. I most certainly did not ask for this card and I have no business with this company now or ever. I have tried to contact Money Lion but the only way to contact them is to activate their dreaded card or provide them with personal information like SSN that I have no intention of giving someone who sent me a card like this. I suspect that this is related to some kind of fraudlent activity and I wish to find out how it happened without giving them my personal information.
Consumer complaint received 2023-02-06
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (GA)

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Equifax refused to allow me to obtain my credit report through XXXX. Equifax refused to explain why I can not use the online method to receive said report made the consumer wait 14 day to send said report via regular mail. After receiving said report I tried to dispute inaccurate information via telephone. Equifax demanded I provide a telephone and email address to file a dispute then sent a text link via mobile phone and said the consumer had to upload a copy of their driver license and social security card via unsecured mobile lines to dispute inaccuracies on credit report. No where in the FRCA act does it say consumer must download person information i.e. drivers license and social security card via mobile telephone to dispute inaccuracies. Equifax is illegally requiring consumer to turn over private and sensitive data via mobile phone without guarantee security and the mobile telephones are not tracking and keeping this sensitive information. In addition telling consumer it's a requirement to dispute inaccuracies via telephone. I want CFBP to investigate this illegal practice of demanding consumers upload personal information to dispute inaccuracies on credit files and how many consumers has been impacted or denied the opportunities to file dispute via telephone. I want CFBP to enact and enforce laws stopping this illegal practice of demanding consumers risk security of releasing personal information to mobile telephone companies to dispute inaccuracies on credit report and hold Equifax accountable for this illegal practice.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (NY)

There are many more details in my notes. 

I have them written down, and would like to discuss with your attorney/ representatives This is a short summary : I purchased a brand new XXXX XXXX XXXX in XXXX. 
The car was perfectly maintained. In the first year, I had issues with the transmission and Ford replaced the original transmission. Despite my efforts of high quality maintenance during these issues, we were still having issues with the drive train. 

I found out that there was a " lemon law '' for this car and other models during the XXXX model years. Ford was sued by thousands of people for the faulty transmission and subsequent drive train problems. 

While the car was still under warranty, I brought the car in to have transmission repairs again. This was a recurring issue. This is why there is a lemon law for this car. 

Ford put in a third transmission, and submitted a {$5000.00} repair bill to me. At the time I had been making payments to own this vehicle. At this point, I had paid at least 36 months towards the loan. 

In XXXX I was unable to use the car due to it not running correctly. 
Ultimately, I had to take the plates and the insurance off of the vehicle because it was undriveable. I ended up having to put an older car on the road to replace it. 

The Ford dealer submitted the bill to me and I fought both Ford Motor Credit and Ford Corporation because I was unsatisfied with having a vehicle that had become inoperable, as well as the experience of sub-par customer service Ford did not return my vehicle to me. 
The car was repossesed, and I stopped making payments. 
Ford has served me a lawsuit for {$14000.00} which I am protesting and will be defending myself in court for. I am seeking to counter sue Ford, and I would appreciate any insights or assistance in this direction. 

Please help me with this lawsuit. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00}, XXXX XXXX, NA ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (ME)

Comenity Bank suspended my cc account because of what they said were " potential security concerns '' without notifying by phone, text or email. The only way I found out my account was suspended was when I tried to it. Only 5 days later did I receive a letter telling me the account was suspended. I called the bank and asked them why my account was closed .The bank representative stated that there was " potential security concerns '' and that I needed to send them proof of who I was ( see attached letter for details ) which I did. I have been with XXXX for over 10 years with XXXX XXXX XXXX managing the account, no problem with them. Only recently has Comenity Bank started managing XXXX credit accounts. If I had been on vacation some where I would have been in deep trouble not being able to pay for anything. No less I had to correct all auto payment that were connected to this account making sure all charges were paid ( my wife 's health insurance ). I have since opened account with XXXX XXXX and plan on closing the Comenity Bank ASAP. Never in my 50 years of having CC has this happened to me ( XXXX XXXX XXXX ). 
Thank you for reading this XXXX XXXX
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I'm a college student at XXXX XXXX XXXX XXXX XXXX XXXX. I was 3 1/2/ hours away at school when this occurred XX/XX/20. Someone went to an ATM deposited a fictitious money order with 2 denominations {$5.00} & the other says {$500.00}. Supposedly, the subject got {$500.00} out of an ATM on XXXX XXXX in XXXX. There are usually cameras on the ATM machines, that would provide evidence that it was not me. The Chase Bank has debited my account refusing to reimburse my account and my direct deposit check was eaten up by this fraudulent issue. Please help!
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (MD)

On XX/XX/2020 about XXXX eastern time i called XXXX  , Equifax and XXXX to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXXXXXX XXXX is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( XXXX XXXX Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three XXXX XXXX under which reporting may not be required for the current year. XXXX XXXXXXXX XXXX rules next.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX TransUnion XXXX XXXX Bankruptcy Ref # XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022. I filed a claim with Bank Of America prepaid fraud department for the amount of {$28000.00}. I waited about 2 to 3 weeks to hear back but still hadnt heard anything. I then waited a bit more and then decided to make a phone call on XX/XX/XXXX to speak with a supervisor and see about an update about why I havent received any updates in writing sent to me in the mail on the status of the claim, but didnt get any direct answers, also called on XX/XX/XXXX. I was told by 3 different supervisors that they dont know when and if Ill get provisional credit until the claim is done and said they would send out the letter but I still havent got it. Ive been left in the dark about my claim about my funds I never received.
Consumer complaint received 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (PA)

I have an account with XXXX  XXXX through bjs account number # XXXX and another account that comenity account number # XXXX where I am charged monthly amount to pay off the payment for my dental bill but I was charged twice over a year ago and have tried to get that money back being an amount around XXXX dollars the bank has refused to refund my money while also continue to call me insisting that I still owe them money when that isn't the case and they refuse to even discuss returning the money they took form me
Consumer complaint received 2022-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (MD)

In XX/XX/2021, I entered into an installment loan with XXXX XXXX for {$1400.00} to be paid in semi-monthly payments of {$120.00} ( {$240.00} per month ). I made several payments and realized the balance was NOT decreasing, but instead increasing. I read through my contract and noticed the interest rate is 168.98 % - FAR beyond the legal limits for non-bank loans. My balance is currently {$2200.00}. 

Unfortunately, I've been unable to determine what the interest amounts calculate to per month because they've never issued a statement and there are no statements available to view online. I have attached screenshots of the empty Statements page. 

The state of Maryland interest rate cap is 33 % for consumer loans. It seems XXXX is violating state of Maryland Laws. I am requesting that the CFPB investigate XXXX 's lending practices.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX