davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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: DISCOVER BANK (NC)

The company, Discover Card, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! They have spammed my file over 20 times in one month.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I booked travel through chase rewards using points earned from past purchases in XX/XX/2020. Soon, all flights were cancelled because of XXXX. Chase offered to act on my behalf with my permission to cancel flights promosing to refund my balance. Instead they offered air credit through the airline i was supposed to travel with. Airline refused to refund even though the pandemic was ongoing. Chase refused to help or even file a claim.
Consumer complaint received 2022-08-31
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: DISCOVER BANK (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

XXXX
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

Edfinancial is estimating over 6 months for people to receive their refunds from the CARES act. Not only that but they are claiming that they started the refund process but when being asked about it a few days later they claimed the refund request was never submitted.
Consumer complaint received 2022-08-31
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. (IL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that Experian, XXXX and XXXX credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-08-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC (TX)

Daily repetitive calls from Global Lending. They would call from numbers that comes up as Scam Likely. Representative will threatening to sue me, have claimed they are detectives calling to investigate a theft, and stated they will serve me at my place of employment. The debt was sold to a third party collection agency and was informed it was discharged as a lost. The collection agency is trying to collect on a debt that is no longer owed. They stop reporting to my credit report for over a year and in 2021 the collection calls and reporting starting with different dates being reported to all three of my credit reports.
Consumer complaint received 2022-08-31
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. (TX)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXXXXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — Store credit 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. (FL)

I have continued to be a victim of identity theft with Best Buy. I do not shop there, i have not purchased anything from this store in many years. Yet, this is another time someone has used my identity to charge items using my name. I have called Best Buy, and Citi bank recently for this new acct that appears to be in my name. I keep telling them it isn't me, and i don't shop there, to cease and desist. I filed a dispute with the credit bureau a couple mos ago too. The amount is now {$1100.00} not resolved. I asked them why they did not close anything with my name after the past id theft? I never will shop there!! I have been so upset over this company, and it has caused me too much ongoing stress. Please help me permantley resolve this Best Buy nightmare! I do not like this affecting my credit rating, as it is not my purchases!! ThankYou
Consumer complaint received 2022-08-31
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. (TX)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

In XX/XX/XXXX I called Edfinancial who is my federal studnet loan servicer to request a refund for my payments made durng XX/XX/XXXX. I knew that because of the CARES ACT that i was entitled to a refund. They intially denied my request since I had recenlty paid down the loan. Then a few days later I called again telling the supervisor about the CARES ACT and they still denied me even though that was against the law. On XX/XX/XXXX and XX/XX/XXXX I called my student loan servicer Edinancial to request a refund for my student loan for the third and fourth time and they approved my request but they said it would take up to120 or150 business days to maybe receive my refund. My complaint is that they refused to refund my money back in XXXX of XXXX and they said it would take over 150 busiess days to receive my refund instead of 6 weeks like they did in the past. I found out that I qualify of the XXXX loan forgivness and if they keep me waiting for the 150 buisness days that would put me into XXXX making me miss the opportunity to have some of my student debt forgiven. The amounts I paid in XXXX are {$6000.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$6400.00} XX/XX/XXXX. They refused to refund me these amounts in XX/XX/XXXX and now they say it will take over 150 business days forcing me to miss the student loan forigiveness deadline.
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received and email from a XXXX XXXX with a telephone number listed as XXXX. The email is now gone. Not sure if they were able to delete the email. The phone caller did say that there was a money owed to me and was to return the sum of {$340.00}. I did ask him to send a check, but he said it would be easier if he put it in my bank account. He talked me into giving my info to him. He made an attempt to refund the money in my savings account only but instead created an illusion that I had made a mistake and entered wrong amount {$40000.00} that I had to pay back or he would put a freeze on my account. During the time he was fixing the issue. I did not know he was in my checking account taking money out. He had created this false page thinking I was looking at my own account which showed my total amount for that day. He said he could only take out {$25000.00} and wanted me to go to a XXXX XXXX to get 4/ {$500.00} money orders. Right then and there I had been scammed. I hung up but he kept calling me with the number XXXX. We must stop this type of scam. As he was talking I can hear in the back ground another individual repeating the same words as him to another individual they were scamming. Like No you have made a mistake, let me correct it. On that day as well, he had texted me at ( XXXX ) XXXX to send a copy of my Driver License, so I did. The program he had me use was XXXX XXXX XXXX XXXX. 
I did not authorize the wire transfer in question of {$25000.00}.
Consumer complaint received 2022-08-31
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX pa XXXX Im wiritng to request to remove the fraudlent items on my Credit report. 
the information listed below which appear on my credit report, does not relate to any transactionls. notice how it was charge once and never been use again. it is the result of identify them I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Fraud Account Account Name : XXXX XXXX XXXX Account Number : XXXX Account Was Open : XX/XX/XXXX Balance : {$490.00} _________ Account Name : XXXX  Account XXXX When Account Open : XX/XX/XXXX Balance : XXXX ________ Fraud Inquiries : inquiry Name : XXXX XXXX XXXX XXXXnquiry Date : XXXX XXXX, XXXX
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
First Progress XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (DE)

On Thursday, XXXX XXXX I was notified via email from XXXX  that a new account was opened in my name using my date of birth and social security number at JP Morgan/Chase bank . I immediately called the bank using the phone number supplied by XXXX. JP Morgan confirmed that a inquiry was made and that a application was made using my past name ( ex husbands last name ) XXXX XXXX XXXX and my ssn with my correct DOB for a credit card on XXXX XXXX. JP Morgan is aware that this is a fraudulent attempt at opening an account. I question how this would happen as my credit is locked on all three credit bureaus. I have Now, as of XX/XX/XXXX put a fraud alert on my accounts.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022, I received a text from my bank asking if I had authorized a XXXX transaction for {$3500.00}. I immediately responded, " No ''. I was then contacted by a bank representative who indicated that this would be investigated, that the transfer would be stopped, and that I would not lose any money. I spoke to the fraud claims person several times, or at least I thought I was talking to a Bank of American fraud claims specialist. I have call logs showing multiple phone calls to and from Bank of America phone numbers. I subsequently received emails regarding two more XXXX transfers, one for {$100.00} and one for {$2800.00}, which I also responded " No '' to. I again spoke to someone from Bank of America several times to stop these transfers and have it investigated. My account was put on hold for 48 hours while this was being done, but after those 48 hours, all but {$4.00} was taken from my savings account. All of the transfers went though, even though I did not authorize any of them. This person also requested a {$1500.00} cash advance on my credit card. I also called to stop this charge, but it went through. That charge has since been returned and deemed fraud, but the XXXX transfers have not. I have contacted law enforcement and have been assigned to a sergeant with the XXXX XXXX XXXX Office. I have spent countless hours in the local banking center trying to get help with this, but at this point, Bank of America is only recognizing the credit card cash advance as fraud, not the whole case, even though they were done on the same days, by the same person, and I said " No '' to all of the charges/transfers. I have closed all of my accounts and opened new ones, I changed my phone number. I asked to have XXXX removed from my account. I have done everything that I can to rectify this, but Bank of America is not doing anything to help me. They have not given me back any of my money, even while they are investigating, even though this has been going on for almost a month. ( The claim was first denied and then was re-opened on XX/XX/XXXX. ) I can supply call logs with dates/times/length of calls to/from Bank of America, text messages from Bank of America, emails from Bank of America, as well s documentation of the dates/times I have been at a Bank of America local office. Please let me know next steps. Thank you.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX XXXX XXXX when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late
Consumer complaint received 2022-08-31
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-31
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)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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 : XXXX, ACCOUNT # XXXX ACCOUNT : XXXX, ACCOUNT # XXXX ACCOUNT : XXXX, ACCOUNT # XXXX ACCOUNT : DP OF EDUC, ACCOUNT # XXXX ACCOUNT : DP OF EDUC, ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an 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 antidates the report by more than seven years. 15 USC 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 2022-08-29
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. (IL)

why cant XXXX and equifax do like XXXX and delete all aconts but 3 that are valid thats all im asking i filed ftc report and police report and gave a coppy of both to thembut they keep ignoring laws they need to follow like providibg me with proof i signed for that and proof they offered me firm credit neither of which companys did and they keep telling me they did but yet offer no proof
Consumer complaint received 2022-09-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AutoNation Enterprises Incorporated (CA)

An open end consumer credit transaction initiated in XX/XX/2020 has resulted in theft and deception due to unconscionable contract and fraud of CIG FINIANCIAL. This company stole a vehicle that was paid in full, and continues to report intentionally harmful data to credit reporting agencies.