davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My son is a member, I have a Power of Attorney to access his account. 

2 years ago our son opened a USAA secured credit card. At the time, we were told by the rep if he makes 2 years on time payments, the deposit would be released and he would be issued an unsecured card. 

He just applied to graduate from secured to unsecured and he was denied. The adverse action form indicated he has a XXXX FICO score but that he was denied for having insufficient credit trade lines. The customer service rep did indicate he had a perfect payment record during the 2 years. 

This seems like a bate and switch. We would have never signed up for a secured card if there was any doubt USAA wouldnt hold up their end of the bargain.
Consumer complaint received 2022-06-14
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: JPMORGAN CHASE & CO. (IL)

In XX/XX/2022 I was contacted by someone claiming to be from XXXX who told me my computer was at serious risk. This person sent me a link to access my computer remotely and hacked my computer. This person placed an order with XXXX XXXX using my credit card to purchase an XXXX XXXX for XXXX. It was placed with an email account I m aware of and said the delivery was to my address. This person also stole the XXXX upon delivery because it was never received at my address. A claim was filed with XXXX who is unable to locate the package and has issued XXXX a claim. 

I am a XXXX XXXX who was the victim of a fraudster.
Consumer complaint received 2022-01-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (AL)

I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level. The Navient account is not mine and needs to be corrected.
Consumer complaint received 2021-05-31
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. (NY)

Spoke to XXXX XXXX XXXX About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.
Consumer complaint received 2022-06-23
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. (TN)

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

According to : 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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : 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 XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : DISCOVERBANK XXXX
Consumer complaint received 2021-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Bank XXXX. XXXX  XXXX XXXX, VA XXXX XXXX XX/XX/2021 Capital One Response CFPB case XXXX InReCapital One Case XXXX Referencing complainant 's Account ending in XXXX previously ending in XXXX. 
NOTE The referenced account is the ONLY account which complaint has filed for action on. 
However, without specifying my Capital One 360 Bank Card ending in XXXX Capital One deceptively responded with the following -abridged- statement We found no errors in the servicing of your account therefore we respectfully decline your request for compensation. 
This response is from the Capital One Customer Advocacy Office XXXX XXXX When I telephoned this office I was informed that my account was in arrears. 

I am interested to know what if any independent conclusions were arrived at by the FR agent assigned to investigate my complaint and whether my submitting proof of my identity to Capital One Bank SIX times impacted their decision. If YES - How, If NO Why not?
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : JPMCB CARD XXXX JPMCB CARD XXXX
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting inaccurate information. Transunion, reinserted deleted, obsolete creditors by the name of XXXX. I was not informed about the reinsertion. In XXXX or XXXX of XXXX, I discovered ( XXXX XXXX, 10 accounts ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Also, you are reporting a fraudulent inquiry from XXXX XXXX dated XX/XX/XXXX. I have never applied for anything with this org. I attached the letter that indicated that XXXX requested for you to delete the fraudulent hard inquiry but yet it remains on my credit report. 
Attached is support that the 10 accounts from XXXX XXXX were deleted XX/XX/XXXX by Transunion. I have attached the Transunion credit report showing Ascendium reporting. Then I am submitted support to show that Transunion deleted the 10 Ascendium accounts on XX/XX/XXXX and without my knowledge, 5- or 6-XXXX later Transunion XXXX. I have attached a screenshot that states from XXXX XXXX that they are XXXX XXXX XXXX XXXX. If you refer to the highlighted document which XXXX acknowledges that they are XXXX XXXX XXXX XXXX, you will see they mentioned XXXX. The account actually stems from XXXX if you refer to the older credit reports. Ascendium dates are different from XXXX XXXX XXXX though they are the same company. This company started off being XXXX XXXX, then Navient, then XXXX XXXX XXXX lastly Ascendium. Every time they reported under a different name and they rea-ged the accounts which is against the law. According to the FCRA, the time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). 
If you Transunion refuses to delete the old reinserted creditors Ascendium, I am within my legal rights to file a lawsuit against you Transunion and XXXX for re-inserting the obsolete item under the Fair Reporting Credit Act ( FRCA
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

I have lived in XXXX since XXXX. I have two student loan servicers : XXXX and Navient. 
I have complaints about XXXX, but they have been resolved to my liking. It did take several years, though. 
With Navient, the complaint is similiar to the problem I had with XXXX : since I live in XXXX, and the loan servicer does not accept a foreign checking/routing number, or my debit card here, so paying my monthly payments is a real nuisance. 
For awhile I would mail a XXXX XXXX draft to Navient, but the mail time was always unpredictable and the payments would often arrive late. Plus, getting the XXXX XXXX draft took up a lot of my time every month and had a fee. 
In the last couple of years Navient has helped me with a work-around : they do not accept credit card payments ( XXXX does XXXX but only for Americans living abroad, and only at a specific phone number that is NOT toll free... ), but they ( Navient ) will accept ( very specifically ) a prepaid XXXX card. However, in order to make this payment I have to phone Navient, wade through the automated system ( ultimately knowing none of the automated system will help me because I HAVE TO speak to a representative in order to pay this way ), and then more often than not I have to convince the representative that Navient DOES INDEED accept payments in this fashion! More often than not I have to speak to a higher-up so that the payment can be processed, because there is no address addressed to the card. 
Today I phoned and got to the part where the agent asked for the address. She then put me on hold for about 5 minutes, came back and told me that the department that processes this kind of payment was closed for the day ( I'm in XXXX and it was XXXX for me, she was in the XXXX  XXXX I'm assuming the department she was referring to was EST ). That phone call took 25 minutes in total, and I have to phone back tomorrow and do it all over again. 
I don't see how they make it so incredibly hard for me to pay off my debt. If they want my money, they should make it easy. I can not be the only American citizen with student loans now XXXX XXXX. They should accept my regular credit card, or find a way to let me pay through my XXXX XXXX, or in some other online fashion. It is XXXX.
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG FINANCIAL CORPORATION (IN)

I received a small loan of {$250.00} from Check n GO in XXXX of XXXX. Was unable to pay loan back promptly. Account was issued to a Debt collection agency in which Account was finished being paid in full by XX/XX/XXXX. I was then informed by both parties that the debt would be removed from loan database. It was not. Made several attempts at having it removed but debt is still showing up on XXXX  XXXX XXXX XXXX XXXX. Spoke with Check n GO today and was told they couldn't remove debt from XXXX since it was sold to collections. Spoke with Collection company debt was settled with and they told me that Check n GO HAS to remove it. I spoke with the Indiana XXXX XXXX XXXX and they also said Check n GO has to remove it. So I called Check n GO back and they say they do not have the ability to erase it and they can't do anything. All signs point back to Check n GO. I even called a lender I've never borrowed from to see what their protocol is and they also said that Check n GO has to remove the derogatory mark! This has been going on since XXXX and prevents me from doing things I need to do for my household. I want and need this Mark removed from my record, immediately. This is sabotage. If other people have had hardships and have worked hard to have them corrected, such as I, this can be damaging to them like it has been for me.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Dear Sir or Madam! 
JP Morgan Chace Bank N.A. was corresponding Bank between XXXX ( it is not under sanctions ) and XXXX ( XXXX one ). XXXX of XXXX I tried to transfer {$300.00}. And my money disappeared in JP Morgan Chace NA. It was written like the payment is declined, but still, despite it is XXXX of XXXX, nothing was returned on my account. I sent them my XXXX code and asked to check out what is happened. They used all possible useless excuses but did not even agree to check the situation out, despite of all information provided. Could you help me somehow.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

During cov19 I wrote despute letters to all 3 Credit bureaus For inaccurate accounts on my credit profile And they came back XXXX verified They did not show proof of how it was verified so I feel it doesnt meet the FCRA STANDARD I HAVE 5 accounts That are being reported inaccurate they will not remove them here are the names below XXXX XXXX   XXXX acc # XXXX Experian claims verified accurate but will not show proof as well as XXXX XXXX  acc # XXXX XXXX XXXX XXXX acc # XXXX As all verified businesses are closed during COV19 Theres no way they were verified and they wont show proof These accounts should be removed ASAP
Consumer complaint received 2020-08-26
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. (GA)

I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.
Consumer complaint received 2022-10-12
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)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau 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 Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-05-13
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

So today when signing on to my checking account, they alerted me to a duplicate payment/transfer for my monthly mortgage payment on XXXX XXXX they informed me it was Shellpoint mortgage that did it and to call them. After 45 minutes and transfers to two separate representatives I finally got my answer. Yes Shellpoint was aware they did take two payments from my checking account. No apologies, no notice that they realized the mistake & were going to reverse the extra charge. I asked if it could be applied to next months payment or extra principal, but was told no, the reversal was already in the works and would be back in my account in about a week! If I hadnt called were they going to keep my money? So ... basically they get to use my hard earned $ free of charge for over a week? The representative said its not free we are giving it back to you! So terrible customer service on top of shady practices seems to be the norm at Shellpoint. My bank has not received any notice from Shellpoint about reversing the double debit