davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (KS)

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 XXXXXXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-04-15
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've been sending letters to Experian, XXXX, and XXXX in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 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 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (DC)

On XX/XX/XXXX, I tried to purchase a money order for {$650.00} from the USPS located on XXXX XXXX XXXX. in XXXX XXXX, Texas. After USPS added its fee of {$1.00}, my total bill came up to {$650.00}. 

After inserting my debit card ending in XXXX and entering my PIN #, the worker said the payment terminal " froze on her, '' and that I should try again. No receipt or money order was produced - I did not receive the money order for {$650.00}. 

I tried to pay for the money order again two more times, and experienced the same transaction error. However, one debit of {$650.00} has posted to my account on XX/XX/XXXX for the money order that I never received. 

I urgently need the funds returned to my account now. 

Thanks.
Consumer complaint received 2023-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc. (NY)

Hi to whom it may concern, I got a call from a person saying I have been approved for student loan forgiveness program. They asked me for my XXXX email address and then proceed to pressure me to sign up for a loan program. I didn't sign up because it started to sound suspicious and I believe that it is a scam. The company is called XXXX XXXX XXXX. Please assist.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (KS)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX 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 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (CA)

Hello, speaking today, the, XX/XX/XXXX with XXXX of Experian, me, at the XXXX Public Library, attempting to get the Experian to indicate the correct credit score. The last credit score showing on XX/XX/XXXX of XXXX, indicates the update on XX/XX/XXXX of XXXX. This, within the six-month time frame to indicate valid 'activity ' to display the bona fide score. I verified with Experian using my Oregon State ID, Social Security Card and XXXX  Bank Statement. The hard inquiries were deleted and the collection also deleted ; previous, XXXX score on XX/XX/XXXX of XXXX. I want the accurate score to be indicated, that, I may apply and access the credit, attempting at rent, school and work. I have logged into my Experian.com membership, I contacted the Experian from my new XXXX XXXX XXXX XXXXXXXX. The representative stated the school loan was 'summary ' a XXXX or deleted. When a score if XXXX, then, hard inquires delete and a ( n ) collection deleted, then, the score rises. I want my Experian.com credit score indicating an accurate number. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

In my using the XXXX  phone app ( that is attached to my Chase Credit Card ) to purchase a {$24.00} ticket from XXXX XXXX, the app bought a {$24.00} gift card from XXXX XXXX I telephoned Chase Credit Card and was told to file a complaint with XXXX. To wit : ( for details see attachment ) Re : XXXX Sirs : On XXXX2018 the XXXX app made an error by purchasing a giftcard of XXXX XXXX in the amount of {$24.00} The intended purchase was from XXXX XXXX  for {$24.00}, which purchase was completed moments later.

As the XXXX XXXX charge was an error, Please Credit my Chase CCard account - ending in -XXXX - for the erroneous {$24.00} charge.

Yours, XXXX I have not heard back from XXXX about this complaint/dispute.

I filled out a complete online dispute form on the Chase Credit Card website and when I submitted it I got the return message, " Page Not Available ''.

I re-telephoned Chase Credit Card and spoke with three agents, ending with XXXX XXXX   supervisor in the dispute department, who told me she and Chase Credit Card could not reverse the erroneous charge.

Companies involved : XXXX XXXX XXXX XXXX ; XXXX  phone app ; Chase Bank Credit Card.

Please Advise
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Chase closed my account on XXXX XXXX. I went into their XXXX XXXX XXXX. XXXX Texas location on XXXX XXXX. I was told by an officer that I would receive the money in my account in no later than 10 days. It has now been 15 days and I have not received my money. An employee check bounced on XXXX XXXX and I need to pay her.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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. 
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 has violated my rights.

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 2023-04-15
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)

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX  XXXX. Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (KY)

In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

This concerns my PayPal Credit Account XXXX Synchrony Bank ). I request each month that a portion of my payment be allocated to retire Promotional, Special Financing Purchases. I usually complete this easily via PayPal Credit 's chat function. This month ( XX/XX/2023 ), I chatted on XX/XX/XXXX with instructions regarding how to apply the payment, as I have done for months. I always review this chat call within 2 days of completion to confirm correct allocation of my payment to the corrrect Promotional Purchases. On XX/XX/XXXX I engaged in a new chat on the PayPal Credit site b/c my payment instructions from the XX/XX/XXXX chat were not followed correctly. In the XX/XX/XXXX chat I pointed out the error and the agent stated it would be corrected pursuant to my instructions. In each chat session, I finish with a recap to confirm the instructions are followed. The agent confirmed understanding of my instructions on XX/XX/XXXX. On or around XX/XX/XXXX or XXXX, I confirmed that the payment had been misallocated again. I called PayPal Credit directly at this juncture to correct the errors again. After reviewing my account online on XX/XX/XXXX, I confirmed that the misallocation still existed and further, PayPal Credit actually increased the balance of one of my Promotional Purchases by {$100.00} in its error-filled misallocation of my payment. On XX/XX/XXXX I called again to address the issue. The manager I spoke with stated he could not correct the current allocation ( b/c we had passed into a new billing cycle ) and would put in a request to " review. '' This situation will now cause me to incur over {$120.00} of deferred and accrued interest on the Promotional Purchase that expires in XX/XX/2023. This is a constant problem with PayPal Credit ( Synchrony Bank ) and is now causing me direct financial harm. Due to antiquated legacy systems, Synchrony is not able to correct my account for XXXX to 60 days, and provided no assurances I would not incur the deferred/accrued interest charges, due directly to their errors. No admission of the errors or misallocation were offered and no apology. I am asserting direct financial harm in the range of hundreds of dollars as a result.
Consumer complaint received 2017-12-14
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: AES/PHEAA (NV)

This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about XXXX week there. I never received not XXXX check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Consumer complaint received 2023-04-18
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. (TN)

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. 

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 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 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 2023-04-18
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX