davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

My identity is being messed with a long with other issues I am filling a didpute with the consumer reporting agency with my rights under the fcra act. I have had more issues with my bank accounts n my money not being found with my consumer rights n if this credit was right then my other money would be easier to c where it went, .. this goes back from XXXX up till this very day XXXX.i also want XXXX to pay me for me paying them to pertect all this and they did not, I'm want to file suits.
Consumer complaint received 2024-09-14
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX - XXXX {$2500.00} Account Name : XXXX  # XXXX - XXXX {$2500.00} Account Name : XXXX # XXXX - XXXX {$600.00} Account Name : XXXX  # XXXX - XXXX  {$1900.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX  {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX - XXXX XXXX$1900.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX {$610.00} Account Name : XXXX # XXXX - XXXX {$1500.00} Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (WA)

I took out a small loan which I thought was a payday type of loan for {$1200.00}. 

I was approved over the phone. 

They credit my bank account on XX/XX/XXXX for {$1200.00}. 

I thought that I would only need to pay 4 payments of {$340.00} to cover the cost of the loan and interest. They were not clear with the loan agreement.

I made 4 payments of {$340.00} on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a total payment of {$1300.00} for a {$1200.00} loan ( XXXX in interest ). 

They attempted a 5th payment of XXXX on XX/XX/XXXX which I do not authorize and was surprised to see hit my account since I thought I had paid off this loan. 

I immediately called them to ask them about this and they told me that per the loan agreement that I owe them 20 payments of {$340.00}. This amount of payments was never disclosed to me over the phone when I was approved for the loan or thereafter. I would never have agreed to 20 payments of {$340.00} with them for a {$1200.00} loan. That is beyond predatory or reasonable. 

After getting on the phone with them I tried to access my account with them on their website and I entered my email address and last four of my social and still could not log in to see any documentation regarding my loan. I have no documentation nor did I ever receive documentation prior to agreeing to this loan. The approval process was done over the phone. 

I am filing this complaint because they are not being upfront with customers about loan terms and agreements and fees and they are being predatory in charging excessive interest rates. Furthermore they are preying upon poor people and exploiting American consumers with these practices.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXX Bank and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.
Consumer complaint received 2022-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PNC Bank N.A. (MN)

PNC Bank owns my private bar examination loans obtained in XXXX. In XXXX, I filed for XXXX  XXXX bankruptcy. The servicer XXXX XXXX was listed as a creditor and received notice. XXXX XXXX resumed collections on my account after the bankruptcy, and I relied on their inaccurate position that I was still obligated to repay this " student loan '' despite my XXXX  XXXX discharge. Since then I've read XXXX XXXX XXXX and have come to understand that these private bar exam loans are not in fact student loans and don't have the same protections offered to student loans. These were private consumer loans discharged in my XXXX XXXX  without the need for an adversary proceeding in that 1 ) they were not used to attend an eligible education institution, 2 ) were not used to pay for school attendance, 3 ) were not for a course of study leading to a degree ( I already had my degree ), and 4 ) notice was provided to the servicer. 
Servicing of these loans was transferred to XXXX in XXXX XXXX has continued collecting on these loans ever since. After reading the CFPB post about busting bankruptcy myths, I contacted XXXX to ensure they were notified about my XXXX  XXXX and to resolve the matter. I provided the bankruptcy records at least twice, including the petition and the discharge records. XXXX acknowledges I filed for bankruptcy but fails to acknowledge my private bar exam loans were discharged. 
The matter was escalated to PNC Bank. Representative XXXX XXXX would only speak to me by telephone and repeatedly failed to recognize my requests to communicate via email ( he would only try to set up calls ). I have a XXXX injury from an XXXX accident and am currently on XXXX leave, and I requested a XXXX accommodation to communicate in writing, to no avail. This was in XXXX. I contacted PNC via XXXX and was assured I would be connected with someone who would communicate in writing. Instead they had XXXX XXXX contact me again to try to set up a phone call. I went back to PNC via XXXX and they had XXXX XXXX email me. However, XXXX XXXX insisted I send all records via US mail. I informed XXXX XXXX that the servicer already has the records and I provided my XXXX account # XXXX and noted the account is under my maiden name XXXX XXXX XXXX. I sent that email XX/XX/XXXX and have not received a response. 
I ask for the CFPB 's assistance in this matter.
Consumer complaint received 2022-08-25
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: JPMORGAN CHASE & CO. (TX)

I was advised that a good will faith credit could be issued for the remaining balance on this Chase Credit card account. Please let me know when the credit for the remainig balance has been issued. If anyone has any questions then they can contact the Executive office. I am not going to be lied to by Chase Bank. I have already mentioned several times your customer care team told me this account could be issued a credit for the remaining balance. The information was provided to me via my Chase credit card account. I have yet to receive the credit I was informed of receiving. The account should be paid in full once the credit has posted. I was advised the credit would be applied to my Chase credit card account that is closed. Seeing how Chasse customer care advised this account would receive the credit I am noticing that a payment is still being required each month. Per my last conversation with Customer care the credit should post within 1-2 billing cycles. Please advise if you can assist me with my account. Please see the information below that was provided by Chase customer care. 

Hello XXXX, Thank you for contacting us. XXXX, I forwarded your message to the appropriate department for review. You should receive a response within 10 business days. Per our research you should receive the promised credit you inquired about in the amount specified of the remaining balance on your Chase credit card account. Please continue to make the scheduled payments on your account until the credit has posted to your Chase credit card account. Thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX
Consumer complaint received 2022-08-27
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: Maximus Federal Services, Inc. (CA)

I completely disagree with your response to my complaint about a XXXX day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, Chapter XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my second XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX 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 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Transunion has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate information is ruining my reputation. I need these errors DELETED from my consumer report immediately.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I received service from a legit on line company to service my computer during the pandemic and it was legit and they fixed my computer. I received and e-mail early XXXX saying that my service would be reinstated for XXXX years at {$1000.00}. So I called the number provided and they said my contract was not up yet and they would give it a thorough check for free. All along I thought it was the legit company so I let them in my computer. The next thing I know my screen went black. It is an older computer so I didnt think much of it so I waited a couple days and took it to XXXX that is when I found out my checking account was emptied. Notified Chase Bank in XXXX XXXXXXXXXXXX XXXX on XX/XX/XXXX or so and no response since. He told me he was going to call me last XXXX but he has been dodging me ever since. I went in the office and they claim he was in a meeting and would call us back today. No response.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MO)

Subject : Verification of Charge-Off and 1099-C for acount # Dear AspireXXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number [ Your Account Number ]. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. 

Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question.

2. Details regarding the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. 

If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. 

If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 

Thank you for your cooperation in providing the necessary documentation for this verification process.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
Consumer complaint received 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been trying to obtain signed contracts for multiple accounts that have been opened using my personal information without my knowledge or consent. I am looking to press charges and I need this information to do so. I have been trying to get this documentation for months now and have not been successful.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
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
Consumer complaint received 2022-08-27
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. (CA)

I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2022-08-25
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. (OH)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX bank XXXX XXXX XXXX bank
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX Employee ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

My phone was reported lost, there were unauthorized charges made to my account with my PIN number because person who found my phone was able to access personal information. I informed Citibank of the following concerns and problems and they still denied my dispute.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.