davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am lodging this complaint against the credit bureaus because they have repeatedly failed to respond to my dispute letters regarding incorrect information on my credit report. Despite my numerous attempts to resolve this issue through the proper channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even with multiple submissions, the credit bureaus have not provided any response, confirmation of an investigation, or correction of the disputed information. This non-response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report.
Consumer complaint received 2024-08-21
Product: Credit reporting 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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was able to go into my XXXX and transunion credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

The inquires below are fraud and should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (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. 

The following accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX 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 tha
t the information is inaccurate.
Consumer complaint received 2021-08-25
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: LEXISNEXIS (TX)

I have contacted the third party entity Lexisnexis Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted XXXX  and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. XXXX  is not cooperating. XXXX  and Lexisnexis is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, XXXX  has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that XXXX  and Lexisnexis Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, Lexisnexis Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given Lexisnexis authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against XXXX  and Lexisnexis for damaging my reputation and credit as a consumer.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (VA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NJ)

Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (IN)

I've just reached out to Great Lakes, the loan provider, so maybe i'm jumping the gun. 

In 2018 I made every payment on time and in the same amount and the balance dropped incrementally from about {$81000.00} to {$72000.00} at end of year. My interest rate is 6.8 % on every loan that is bundled together in this payment. 

Meanwhile, my XXXX from Great Lakes shows {$8500.00} in interest paid in 2018. I'm not great at math, but this would imply an actual interest rate between 11 % and 12 % for the balance I carried. 

Is there any world in which this would make sense? My concern is that I was overcharged in 2018 and likely in past years as well.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Scratch Services, Inc. (MO)

I completed an application for XXXX XXXX  in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXX/biweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67  pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX  or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XX/XX/XXXX, Term : 54 months
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — Store credit 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: Conn's, Inc. (TX)

My consumer rights are being violated with the lack account balance information that your organization provides. A formal monthly statement has not been received via mail or made available online which indicates past monthly payment history including ( 1 ) how payments are applied to my account ( 2 ) potential errors for dispute and ( 3 ) indicate account summaries. 

This lack of consumer information is direction violation of the U.S. Consumer Protection Act including Texas Deceptive Trade Practices Consumer Protection Act ( DTPA )
Consumer complaint received 2019-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (AL)

I have had problems making payments to the student loan company, XXXX XXXX, for a couple of months now! I have used all of my forbearance and now my loan is in a default! I also tried doing a lower payment plan and I am just still having a hard time due to being a stay at home mom and my husband is the only one with the income! My family is my top priority and we have to make sure we have things we need and especially my son! Anyways, I had talked to corporate from XXXX XXXX recently and she lies to me by getting my mother involved saying that she had spoke to her and that she was going to call all these companies to try and help me and that she has faith in my mother that she is able to help me and if I made this payment then it would by her some time to help me ( still talking about my mother ) so of course I fell into the trap and made a payment on my credit card because I had no money and when I talked to my mother she said that is not true, I said nothing of that!! So this woman lied to me to get some money from me!! You dont bring someones family member into the issue! Thats very wrong! I also had another incident where the woman on the other line of XXXX XXXX got a attitude with me because I couldnt make a payment and she tells me then what was the point of calling if you cant make this payment?! They also added XXXX of interest to my loan because of my forbearance! Thats absolutely crazy! You can never get it paid off!
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

What a horrible card and bank never care for me their customer I wanted to product change upgrade to a different card since I. Dont like this XXXX card I want a cash back card when I called they said no You need to apply they dont allow switch when other banks do they have a dept fir that to make you happy but they will never do anything fir me since they dont care to make me happy I want a contactless card that is not XXXX
Consumer complaint received 2019-09-30
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. (FL)

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2019-02-15
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. (NV)

As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to me.
Consumer complaint received 2018-11-30
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. (NY)

I have been a loyal member of Chase bank for over 10 years and I have had a Chase United credit card for over 10 years as well. I have made many attempts to have a fraudulent charge removed from my account with no avail. On XX/XX/2018 there was a transaction posted to my Chase United Club card ending XXXX in the amount of {$7800.00} at XXXX to the merchant described as XXXX that I did not make nor did I authorize. 
Since a telephone conversation earlier today, I learned that this merchant is a XXXX account affiliated with XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. We spoke with XXXX at XXXX ( XXXX ) who states that there is no record of this transaction using my credit card ending XXXX. We also spoke with XXXX the supervisor / business owner at XXXX XXXX ( XXXX ) who states that this transaction did not exist and that he did not receive this payment. However, this charge remains on my account and is a charge I am expected to pay though I received no benefit from this transaction. 
Since this transaction occurred at XXXX on XX/XX/18, I will honestly recount my whereabouts in an effort to defend the fact that I did not make this purchase. My evening started at XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where I enjoyed dinner with my friends and my husband ( who is authorized to use this credit card ending XXXX ) a birthday. I arrived at the restaurant around XXXX and learned that this restaurant did not accept credit cards. So, I used the Chase bank ATM at XXXX XXXX, XXXX XXXX, NY XXXX to withdrawal {$300.00}. I left the restaurant at around XXXX and went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to continue the celebration. I handed my credit card ending XXXX to the bartender to open a tab for drinks upon arrival. I never left the bar until I closed out the tab at XXXX and authorized a total charge of {$130.00}. At no time between XXXX and XXXX did I leave the bar nor did I make any transactions using the credit card ending XXXX. I did not authorize any third party to make transactions using the credit card ending XXXX. I then left the bar with my husband and we took a cab home and I paid for this taxi ride using the credit card ending XXXX in the amount of {$7.00} at XXXX. 
I have no other proof that I did not make this {$7800.00} purchase other than my word. I dont know what else to do to prove to you that this purchase is fraudulent. 
Please let me know if there is anything else I can do to convince you that this charge is fraudulent so that it can be removed from my account.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

My husband and I received a deposit into our joint savings account on XX/XX/XXXX. As per TD Bank the source of funds came from WELLS FARGO BANK NA. 

Please verify the information below that TD provided to us is correct? 

Date : XX/XX/XXXX Amount : {$980.00} Company Name : XXXX XXXXXXXX XXXX ID : XXXX Customer Name : XXXX, XXXX & Customer ID : XXXX Trace : XXXX Bank of Origination Name : WELLS FARGO BANK NA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-16
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Payments are coming out of my XXXX XXXX Account every month but yet the company say 's that they are not getting my payment yet my bank statements show 's all the payment made and the company have been giving my credit a bad ratting. I have faxed all of my proof to the company with my bank statement 's yet the company is still going to close the account and give my credit a bad rating. total amount {$1000.00}
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

When went to purchase a ticket on XXXX XXXX website there was a offer for United Credit Card saying {$250.00} credit plus can get XXXX miles using the card. Both my wife and me signed up for this card using the link. After about week and half later got approved and now they say the offer is different XXXX miles. Called chase and they tell me that I used wrong link asked to sent me information showing our application with the link but they say they can not provide that to us. And this is their final decision. When talked to chase executive services she told me that offer for {$250.00} is still going on but she could not show me on the website where the offer was and I could not see that offer anywhere on United or  chase website. Looks like Chase is changing the offer. I even seen them a screen shot of the link where we signed up for the card stating the offer, but they can not provide me with their information showing that I used wrong link.