davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (TX)

To Whom It May Concern : I am filing a formal complaint against Experian regarding their failure to respond adequately to my dispute submitted in XX/XX/year> concerning accounts inaccurately reported on my credit report. The accounts in question are charge-offs from XXXX XXXX, and XXXXXXXX XXXX 

Details of the Complaint : 1. I submitted a formal dispute to Experian on XX/XX/year>, specifically disputing the following accounts : XXXX XXXXXXXX XXXXXXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXX XXXX. This dispute was sent via certified mail, and I have retained the receipts as proof of delivery. 

3. I assert that these accounts are not associated with me, nor did I authorize any transactions or share my information with these creditors.

4. I did not grant written permission to the creditors or Experian to furnish, share, or collect any of my personal information, which constitutes a violation of my privacy rights as protected under federal law.

5. Despite my clear request, Experian failed to conduct a proper reinvestigation of these accounts, merely stating that they were verified without providing any supporting evidence.

6. I specifically requested validation of these accounts, which should have included : o A copy of any contracts bearing my signature o Correspondence Experian claims to have received from the creditors asserting that I owe this debt 7. To date, Experian has not provided any documentation to substantiate their claim that these accounts are legitimate or verified.

8. Under Section 609 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ), I have the unequivocal right to request and obtain proof of the validity of any information reported about me.

9. The lack of response and failure to provide required documentation constitutes a violation of my rights under the FCRA, further harming my credit profile and financial stability.

10. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation of disputes ( 15 U.S.C. 1681i ), which Experian has neglected to fulfill.

11. Furthermore, the unauthorized sharing of my personal information violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), which protects consumers personal financial information.

12. I am demanding the immediate removal of these inaccurate accounts from my credit report and confirmation that they have been deleted.

13. I expect a prompt and thorough response to this complaint, including documentation that details the actions taken to rectify these issues.
Consumer complaint received 2022-06-23
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

My citizen 's one XXXX loan is overpaid by {$130.00}. Both the online system and the representative on the phone ( called today, XX/XX/19 ) admit the overpayment and that these funds are due to me. However, they state that they are too busy and they have no idea when they will be refunding the overpayment. 30 days have already passed and no refund has been issued. The representative refused to tell me when the refund would be issued. The amount is not in question. The overpayment is not in question. The bank simply states they are too busy to process the refunds in a timely manner.
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: Global Lending Services LLC (LA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 usc 1681section 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 credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 at approximately XXXX XXXX XXXXXXXX I received text notifications from Chase ( XXXX ) notifying me that 3 consecutive ATM withdrawals had occurred from my checking account in the amount of {$1500.00}, {$1300.00}, and {$120.00} which effectively dropped my account balance to a few dollars. At this same exact time I was at work in XXXX, TX and the crime was happening in XXXX XXXX TX 3.5 hours away from me. I called the non-emergent XXXX XXXX PD number to report the crime at which I was told that because I lived in a different County I had to report it to my authorities even though the crime did not occur within XXXX XXXX ( Report number XXXX ). XXXX XXXX Sheriffs Department then told me the opposite, that I had to work with XXXX XXXX PD. 

As it relates to JP Morgan Chase, I notified them of the fraud and froze my accounts immediately that day on XX/XX/2022. After speaking with them I was told that the account was accessed through XXXX at an ATM through my Mother 's parent account which has access to my account and my sisters. They, too, had their accounts drained the same day and around the same time. My mother was at work in The XXXX, TX and my sister was at work in XXXX, TX when this crime was occurring. Chase told me they would look into it. Over the course of 4 months and varying calls, they investigated my claim around 4 times, each time stating they could not verify it was fraud. At the same time, the other 2 accounts impacted, my Mothers ' and my Sisters ', were verified to have been fraudulently accessed and Chase returned them the money that was stolen from them. 

There is a disproportionate and inequitable level of response and treatment here from Chase for the same crime. If money was returned to the other 2 accounts impacted by this crime, then how they continue to deny me is an error in their process and workflows. Chase has now closed my account, but has begun the collections process to try and get me to pay them the money that was stolen from me ( {$2900.00} ). My account went negative shortly after the crime, because my mortgage and other bills that are auto-drafted hit my account. Having been the victim of one crime I am now being asked to be double-victimized and be out {$5800.00} ( once for the money that was stolen, and now to repay Chase money that was taken from me ).
Consumer complaint received 2022-06-23
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: Remex, Inc. (NJ)

On or about XX/XX/XXXX I requested verification of an alleged account... 
REMEX INC ... XXXX. They, REMEX INC responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-09-03
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: EQUIFAX, INC. (MD)

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2023-01-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-06-23
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX  name 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 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

A friend transferred me money because I had a personal emergency my account is frozen has been since day XXXX XX/XX/XXXX never received money I called I chatted I emailed I verified everything they asked still no money
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

Have tried on multiple occasions to close my account, the latest being XXXX XXXX when again I went in personally with the PNC Bank Branch manager and asked the account be closed. I was told it would take XXXX. On XXXX XXXX ( *7 days later ) a charge came in and instead of refusing it, they paid it then charged me for an overdraft and then tacked on the banks monthly account fee XX/XX/XXXX. When I went in today to complain, I was told they should have given me a letter showing the account had been closed. This is the second time I have had serious problems with this bank. They messed up my mortgage so bad it took almost 4 months to straighten it out. This bank needs to be investigated for fraudulent bank practices.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX, The Bureaus Account number XXXX, XXXX XXXX XXXX Account number 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 602 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION (NY)

I have applied and received assistance to bring my mortgage current. After my forbearance period I advised M & T that I applied for New York State Homeowners Assistance Fund. My account was approved and the balance has been Paid. However M & Ts single point of contact team keeps calling saying its an attempt to collect a debt and stating they have to go over options with me. I advise the representative that I am current and she confirmed that she see this information. She said well how are you going to pay for XX/XX/2023, has your income changed will you need to explore other options like a short sale. I was very upset and felt that M & T is harassing me and integrating me. I immediately call my non fee attorney and she suggested that I do this because they have a history of wrongfully calling and harassing clients.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (IL)

In 2022, as we have been facing low housing inventory, the financial mortgage institutions promised to only perform hard credit inquiries once, if kept within the 60 day mark, or as needed depending on the purchase offer. With only 3 rejected offers within a 60 day frame ; now that we matched an accepted home deal, our credit score reports multiple ( 7 ) inquiries that have severely lowered our credit score affecting our loan, negatively.. This is unfair. We are dealing with limited options, high housing prices, soaring interest rates and now, also greedy mortgage banks highjacking our budgets! 

Also, those XXXX XXXX or mediocre XXXX  bills that are sent to collection agencies should be written off! How can your agency allow for XXXX bills to damage our aquisition power ; when we have no vote against those outrageous medical fees?
Consumer complaint received 2021-07-14
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: National Credit Adjusters, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (OK)

Security credit services sent my account to XXXX XXXX and XXXX for collection, the amount they sued me for was {$2200.00} after court the amount increased to {$3000.00} for attorney fees, court costs.. However I've paid on this account and my balance is {$400.00}, on my report is shows a balance of {$2300.00}. I have called them several times to fix my report, all they do is say you owe {$2300.00} and transfer me to XXXX  XXXX and XXXX, when I call them they tell me I don't owe that much and they don't report to the credit bureau and that I have to contact SCS, it just keeps going back and forth. every time I make a payment my balance should decrease and it hasn't. it stays the same. I sent a dispute to XXXX  on XX/XX/XXXX, they contacted Security credit services but they only reported {$50.00} what about the {$1800.00} I paid? if my balance started at XXXX how is it XXXX? especially with me making payments each month. I'm ready to pay this account off but i need accurate information on my report, this is hurting my credit score. I have receipts of payments and my balance. They need to fix this issue now or remove the account completely for reporting wrong information on my credit report. this is on all 3 credit reports, I need all my reports updated with correct information as soon as possible.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OK)

Chase violated its own credit card agreement. The agreement information is located on the statements. All of the balance on this card is under a " My Chase Plan. '' The " My Chase Plan, '' agreement states that no interest will be charged on any portion of the associated plan. The statement, under " How to Avoid Paying Interest Charges, '' states that in any no-interest promotions, " balance '', is not a purchase, it's a balance it does mention purchase subject to an interest-free balance, but then states that the interest charges are not charged on a balance. Per the My Chase Plan agreement, the balance includes the fee associated with the plan. It's 0 % interest but is a fixed fee charged for the plan. The balance also includes late fees as it does state that missed payments can result in late fees. These would be directly related to the balance. I have a strange charge going from {$.00} going up to {$1.00} this month. The balance was {$0.00} when the Chase Plans were created. The balances are subject to the 13.24 % interest are odd low dollar amounts. The only additional charges on the account would be late charges and the plan fees. Per the card agreement on the statement, interest is charged for purchases, cash advances, overdraft advances, and balance transfers. There is no mention of late fees being part of interest rate calculations. I have been late on this card for a few months, due to unfortunately having financial issues due to my XXXX  XXXX. The agreements Chase has do allow for speaking with them for help with financial issues. Which in my opinion, gives you the allowance to set up additional payment options if needed. The agreement specifically states, pay the payment by the due date or we will assess a late fee. I let them assess the late fees. They violated the agreement by charging interest on the My Chase Plan fees, which is not allowed in the My Chase Plan agreement. Also, Chase calls me constantly, I have asked them to stop, but they won't. The one time I asked for help, they told me, and I quote " I'm sorry, I can't help you. '' This was a gentlemen I spoke with. This was a call that I initiated. I called the collections department for this. I was specifically told that.
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (CA)

I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX each time for XXXX years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NM)

There is a credit card that was opened under my maiden name in XXXX of 2019 but I got married XX/XX/2019 and it was opened after. I changed my name the next business day after getting married and I wasnt aware of it until we tried to get a house this year. I opened one with a XXXX $ credit but I closed it because I no longer needed it. And now this one is unknown to me and its in collections so Im trying to figure everything out