davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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: CITIBANK, N.A. (MA)

Hello ; I hope you can intervene and expedite assistance in a matter I'm experiencing with my Citi Double Cash card. I've made 9 total attempts to resolve a fraud dispute directly with Citi and they've not fulfilled the totality of my request. There were 5 fraudulent charges placed by XXXX in XX/XX/2020. So far, only three of the charges have been placed under investigation. I began pursuit of a resolution on XX/XX/XXXX and have been regularly assured I will see all of the charges under investigation within 3-5 business days. I'm now on day 35 of trying to resolve. I am including statements, logs of my attempts and transcripts of the issue. Please let me know if there's anything else I can provide. Thanks for your help! XXXX XXXX
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Apex Processing (IL)

I sent in a loan forgiveness application to through site, studentaid.gov. Was contacted by a company I thought was with department of education because they had all of my information : social security number, address, date of birth etc. They informed me that I met all the qualifications and could receive and loan forgiveness. I got a notication from my bank that showed the first installment of {$200.00} was being taken from my account for the {$1200.00} fee. I noticed then that the money was not going to department of education but to Apex XXXX XXXX. I called Apex back and told them I wanted to cancel because they never disclosed they were not with the department of education. The gentleman I spoke with, XXXX XXXX, stated he was a former employee of the department of education and that he knows how the system works. In formed me that if my application had not been approved by the end of XXXX I would receive a complete refund. XX/XX/XXXX, they again deducted money from my account. When I attempted to contact, all I got was a answering machine. I put in a dispute with my bank, XXXX XXXX  XXXX. The company has not responded back.
Consumer complaint received 2019-09-25
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-12-03
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: CREDIT ACCEPTANCE CORPORATION (AR)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a lease account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # 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 instructions
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

I have tried to fix the situation with this company multiple times with XXXX XXXX XXXX XXXX  This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding XXXX XXXX XXXX XXXX  to properly remit 1099c so that I can properly file my taxes. I am demanding that XXXX XXXX XXXX XXXX send me a copy of the 1099c b for the debtor documentation that XXXX XXXX XXXX XXXX has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which XXXX XXXX XXXX XXXX has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that XXXX XXXX XXXX XXXX is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I received a Chase text fraud alert asking if I attempted a {$1000.00} withdrawal on XX/XX/XXXX with my ATM card. I replied no and Chase replied with a text stating they will close my card and send me a new card. On XX/XX/XXXX, I reported to Chase fraud and filed a dispute two transactions of {$1000.00} each deducted from my savings account on XX/XX/XXXX with the closed card. I received a denial notice on XX/XX/XXXX finding the transactions were authorized. I contact Chase claims department and filed an appeal and asked how can the transactions be authorized if I responded on the fraud alert text the transaction was not authorized and how can are these transactions processed after the card was supposedly closed on XX/XX/XXXX in response to the fraud alert. Chase customer service rep confirmed the ATM in question was closed on XX/XX/XXXX. I also offered to provide a screenshot of the original Chase fraud alert text, but was told the investigation team will contact me if needed. I received a denial notice on XX/XX/XXXX with the same language as the initial denial notice. I contacted Chase and spoke to a claims supervisor and filed another appeal which was denied in less than 48 hours. I was advised the basis for the denials was no new devices added to profile, no indication of how PIN got compromised, and no aggressive attempts to log in. I was given conflicting information such as my card info was enrolled in XXXX XXXX  on an XXXX phone, which I confirmed I have an XXXX and never owned an XXXX  device and I do not use XXXX XXXX. They also said the transactions were initiated in Virginia, I confirmed I reside in XXXX  XXXX and did not travel out of state at the time of the transactions. I was also told the transactions were initiated from an phone that I am not familiar and I confirmed I have owned the same cell # for over 10 years. I asked the agent to provide with documents Chase used as the basis for their decision, which the denial notices state I have a right to request as well as regulation 1005.11. The Chase agent said the will send me a letter but refused to provide any documentation they used for their investigation. I asked the agent how can the investigations only take less than 48 hours to make a determination and I was never contacted for details. I offered to provide documentation from my cell provider to verify I do not own any XXXX  device and no change in phone #. I also offered to provide a copy of the Chase fraud alert text, but they did not ask for it. I kept getting the run around and conflicting information. They would not provide me an answer to why the transactions was processed after Chase closed the ATM card. I went to a local branch to ask for help and show them the original fraud alert still on my phone and was told there is nothing they can do. They would not allow access to the investigation team to find specifically how they came to their decision.
Consumer complaint received 2022-06-09
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. (GA)

in accordance with the Fair Credit Reporting act LXXXX 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 instructions in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 instructions in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 instructions in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 instructions in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-09
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 submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.
Consumer complaint received 2022-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I have been a customer with formerly known as JP Morgan and currently Chase for over 20 years. Currently I have a business account, personal account, HELOC, and business line of credit with Chase, however, I am highly displeased with their fraudulent changes of late fees on an account with automatic payment as well as hidden annual fees and interest rates I was made unaware of. This business line of credit was taken out in XX/XX/2015 and have not missed one payment since then. My original loan amount was {$30000.00} and present day {$29000.00}. Despite my countless efforts to increase my minimum monthly payment to almost double of the requirement, there has been but a minimum decrease in the principal balance by about {$300.00} after 12 years of payment. I went to the branch to speak with someone about my concerns and unfortunately, the appointment was incorrectly set up by the staff with a representative that could not help me. Even though she did her best efforts to call someone that would have an idea the business line of credit products, the person that I was connected to was not yet in the office at XXXX XXXX  XXXX. The presentative stated they would follow up via email or phone call regarding the late charges on the account as soon as she would arrive to the office, yet I have not received either a phone call or email. I feel complete XXXX  against and very XXXX  at the fact that my late fees have not been addressed and more importantly, not having a solution as to how this account will continue to torment my finances since I barely found out this account has no term of maturity.
Consumer complaint received 2022-04-05
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. (NC)

XXXX XXXX XXXX reported to XXXX, XXXX, and Transunion that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX  : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

XXXX : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

Transunion : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, XXXX, and Transunion through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

Here is my story : On XX/XX/2022 I found that Equifax decided to keep information my credit file illegally. I have researched the laws that protect me as a consumer against these predators called credit reporting agencies. I have outlined the accounts that will be removed from my credit file. The constant non-compliance from this non government backed agency whom I did not give permission to distrubt my credit file is damaging to my character, reputation, and holding me back from consumer transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above are the accounts that i found the agency to be be in violation of reporting fotr me personally. 

Upon researching congress website I found Equifax to be in violation of the following violations of The Fair Credit Reporting Act more specifically these law pertaining specifically to my personal credit profile.

15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As Equifax can see on my credit report they are not being compliant and are not respecting my right as a consumer. The law clearly defines what a consumer report should and should not have. Why are these companies and the information regarding an extension credit and credit transaction showing not only on my credit file but to other lenders as well? that is also an invasion of my privacy. I am not sure the Equifax agent who has been responsible for maintain my credit file but it is suggested that the due diligence be done to research and understand the laws and federal regulations your company is required to follow. 

To further explain, Under the Truth in Lending Act 15 USC 1602g, credit card is defined as the following : 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. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

As you are in violation, the accounts will be removed from my credit report effective immediately. In the event that you continue your non-compliance and continue to report these accounts on my credit file against the clear civil federal laws, I will make it my personal duty as a consumer to pursue further action at the federal level. After you deletion, I expect an updated copy of my credit report uploaded as a response to my CFPB complaint.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

The following account below was reported incorrectly and inaccurately EXPERIAN with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times. Moreover, the account have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. XXXX has an outstanding balance amounting to XXXX that does not belong to me. Contacted XXXX many times and filed a police report XX/XX/XXXX. I have also disputed with the three credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and XXXX practically every month and still no one has been able to help
Consumer complaint received 2022-06-09
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)

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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.