davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TN)

I provided my Chase bank account information to my XXXX XXXX so that the overage amount of my federal student loan could be wired to me to cover my living expenses for the XXXX The loan was processed on XXXX XXXX XXXX XXXX XXXX, I called Chase Bank to request a status inquiry on any pending wire transfers listed under my account. I spoke with a representative who confirmed that he could see the transfer information, and I confirmed the amount and the sender. The same representative assured me that there was no hold on the transfer, and that it would be processed the following morning. The next afternoon, it still had not processed so I called again, and was told it would be handled the same day XXXX XXXX XXXX XXXX, and not to worry. Due to the holiday, I was unable to reach anyone from Chase Bank on XXXX XXXX XXXX XXXX XXXX, I called Chase Bank again to request another status update, and I was informed that the bank had returned the wire transfer because I am not subscribed to one of their premium accounts and therefore Im not entitled to participate in an international wire transfer in any capacity. This information was never clearly communicated to me and the negligence of withholding that information has caused me, and will continue to cause me further financial harm. I am a XXXX XXXX XXXX and they are denying me access to my own student loans to cover my living expenses. The solution I was offered was to visit a chase bank branch and open an account with a higher monthly fee. This is not a viable alternative. My bank account is in the negatives and Chase has denied a payment to me that would allow me to pay my rent. This is unacceptable and I am looking for any solution.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements.

2. Failure to Substantiate Reporting During Disputes Despite my disputes, XXXX failed to provide documentation to substantiate : The validity of reported late payments. 
Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

3. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit furnishers must verify disputed information and ensure accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX XXXX ) : Misleading and unverifiable information must be corrected or deleted. 
Guimond v. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Consumers can recover damages for emotional distress caused by FCRA violations.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Equifax has received a total of XXXX separate requests to investigate a fraudulent account that is appearing on my credit report with the first request being over 1 year ago Equifax is refusing to investigate a fraudulent account with XXXX XXXX XXXX. I have sent both a police report and FTC complaint Equifax is choosing not to investigate this account although they have received approximately XXXX requests to delete this information within the last year. Equifax is intentionally choosing to not delete this fraudulent account as both other credit bureaus have removed this account. However, Equifax is choosing to not follow federal protocol and they are refusing to delete this account or investigate this account at all this has been going on since XX/XX/2021.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, account # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-12-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (KY)

with my XXXX XXXX private loans they XXXX default and delinquent private student loans in XXXX XXXX navient, was told this didn't apply to me because I wasn't in default or delinquent on them. How is this legal? at best I would think its discriminatory? how's it fair to people paying on their loans and people who just said XXXX it I'm not paying then they get relief and people who've been paying do not? Navient has been XXXX help telling me nothing they can do.
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-19
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: CITIBANK, N.A. (KY)

I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi / AAdvantage Platinum Select Card has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-09-19
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. (MD)

I have been a victim of Identity Theft and Fraud namely XXXX XXXX XXXX, XXXX XXXX Breach, and XXXX  XXXX Data Breach. 
Fraudsters have somehow accessed my information through these data breaches and have left behind hard inquiries on my credit report as a result of Opening Fraudulent accounts with my information. 

I have sent an Identity Theft Victims Assistance Affidavit - to TransUnion containing the following inquiries which must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is the tracking number of the mail which was not responded to. XXXX
Consumer complaint received 2023-04-06
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. (MA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The Items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

I purchase a XXXX  XXXX XXXX last year XX/XX/2021 and GM Financial was the company that was supposed tot have gave me the loan to the car. GM Financial acted as though they gave me the loan but really they violated 12 USC 1431 consumer code which states banks cant lend money because they are the borrowers. They also asked for my social security number which is also a crime according to 42 USC 408 and because there is no lawful money. According to 15 USC 1602 I am the consumer and the creditor in this transaction. I extended credit on my on behalf to GM Financial for me to obtain the vehicle.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (WA)

The company is AllianceOne. I can not provide a log of calls as they always use a different number. They have called multiple times a week for the last 7+ months about a debt I do not owe. 

I do not have any derogatory marks or debts in collections, which Ive verified through XXXX and XXXX. Ive asked them to stop calling me multiple times and it continues. At this point I do not identify myself and hang up immediately.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX XXXX Shellpoint Mortgage Services continues to falsely report delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have XXXX mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. This is my XXXX complaint through the CFPB and they say they are going to fix the issue but never do. Just received foreclosure documents in the mail again today. The mortgage servicer can not provide an acurate payoff statement. Statements provided to date are filled with incorrect charges and fees from failure to pay but payments are received.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MT)

I put coinbasepro.com into the web browser and it directed me to a phishing website. It looked just like the coinbase login, so I put my login info in and it told me there was suspicious activity on my account and I needed to call coinbase to get my account unlocked, it provided a number that I called. It was the scammers number and they told me I had to connect my coinbase pro and my coinbase together and basically walked me through transferring my crypto from my coinbase pro to my coinbase but it wasn't going to my coinbase address it was going to their coinbase account and I didn't know that. 
Right after this happened I contacted coinbase, and they said there's nothing you could do the coins are gone. They wouldn't reverse it. This is an account my daughter XXXX XXXX opened for me under her name. 

The phone number on the phishing website was XXXX Number he told me to call him back at XXXX ( I never called him on this number ) The phishing website was coinbasepro.com ( now it's blocked ) I think it was transfered by coinbase account address, it was all done on the coinbase pro website and the phishing website. 

The crypto was transfered on XX/XX/XXXX, around XXXX Still working on getting into my crypto account, it could take 48 to 72 hours to get back in to add up the amount of money I paid for the crypto coins. From memory I am thinking around {$50000.00}
Consumer complaint received 2023-03-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. ()

Dear Consumer Affairs, I recently obtained a copy of my credit report and discovered that there is a PNC account listed that does not belong to me. Additionally, there are several inquiries listed that I did not authorize or have any knowledge of. 

Attached to this letter, please find a copy of my credit report as well as a cover letter with the inquiries listed. As you can see, the PNC account and the inquiries do not match my personal information or credit history. 

I have taken immediate action to dispute these errors with PNC and the credit bureaus, but I also wanted to bring this to your attention for further investigation. I have always been diligent about monitoring my credit and ensuring that my credit report is accurate, and I am concerned about the potential impact that these errors may have on my creditworthiness. i also have some lates in santander account that was agreed to reverse by creditor. 

I request that you investigate this matter and work with the credit bureaus to have these errors corrected as soon as possible. Additionally, I would appreciate any assistance you can provide in identifying how this erroneous information was added to my credit report and preventing it from happening again in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX