davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Premier Student Loan Center (GA)

In XXXX of 2018, I received a call from Premiere Student Loan Center saying that I could enroll in a Loan Forgiveness program where I could pay 5 enrollment fees and then start paying {$10.00} a month until the payments were complete and that would pay off my {$10000.00} student loans. When I tried to contact someone in regards to switching methods of payments, all emails that I emailed were inactive and no one was answering the phone number that I was provided. When I finally reached some one over the phone, they told me that XXXX XXXX, the lady that I originally spoke with to set this up, was no longer working there and I was put in contact with a new person by the name of XXXX XXXX. I asked him to transfer me over to the payment services department so that I could discontinue my services with them, he hung up in my face and has not answered my calls since then. I am totally mind blown at the news and reviews that I have received about this company and the " SCAM '' that they on running. I would like to get in contact with someone from Premier Student Loan Center as soon as possible.
Consumer complaint received 2023-08-09
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-09
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (NY)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-11-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Federated Mortgage Corp. (VA)

1 ) The communication with Federated Mortgage began as early as late XX/XX/2018 and is ongoing. 
2 ) We have exchanged in excess of 100 emails, facsimiles, statements, lease contracts, tax returns, XXXX, status requests, and confirmations of progress.

3 ) I have already paid {$550.00} in good faith for an appraisal on one of the homes under consideration. 
4 ) During the span of time indicated between XX/XX/2018 and XX/XX/2018, Federated has made repeated requests for the same documents with huge gaps in time lapsed in response. The entire process has been vague specifically with regard to the cause of delay which has subsequently triggered further delays.

5 ) I have expressed my ongoing concern about how the initial rate expressed would be impacted by the long process and received assurance that protection would be provided in the form of extensions.

6 ) Over the most recent month, Federated conveyed and introduced origination points that if not paid would cause the initial rates to be increased.

7 ) The process to refinance an existing investment property while leveraging a fully paid principal residence remains outstanding.

8 ) In conclusion, I have made an effort from the onset to be transparent with my intents to preserve both properties, comply with each request for documentation, only to find no closure in completing the transaction.
Consumer complaint received 2018-11-03
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. (CA)

I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, my mother-in-law and I went to our bank, Chase, to deposit a check from XXXX XXXX for proceeds from sale of our mobilehome in CA. We are both Chase checking account holders, both gave clerk our ids, both signed check in tellers presence, and deposited check into my account. 10-day hold, no problem. Today, XX/XX/2023, I received a letter from Chase in my Chase app. The letter said to call fraud dept and my checking account was put on hold. I called fraud dept and they advise my mom and I too return to branch and show our ids to a manager, and have manager call Chase fraud direct to verify our identity. The manager called. He verified our identity, verified our home title was in both names, and verified our closing papers with XXXX XXXX was signed by both of us. After 30 minutes, the fraud dept said that not only were they holding the check until XX/XX/2023, but they would not lift hold on my personal funds or any direct deposits from my employer until the XXXX. They said I can put money in but no access to money already in my account or coming in. They also said, when the check clears on the XXXX, I have to personally call fraud dept and request the restriction be taken off my account. I had no issue with check hold, but I do not understand how they can hold my personal funds and pay.
Consumer complaint received 2023-08-09
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: Allied Collection Services, Inc. (Nevada) (PA)

XXXX XXXX- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXXFOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX  XXXX FRAUD ACCOUNT # 1 XXXX  XXXX FRAUD ACCOUNT # 2 ALLIED COLLECTION FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Consumer complaint received 2018-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The sign up bonus is XXXX points after spending XXXX within 3 month for XXXX XXXX credit card. 

I applied the card XX/XX/2017, met the requirement but never got the points. Called BOA and the rep think i should get it but has no authority to award the points so created a case. 
The case never solved. 

Called the 2nd rep 3 month later and had another 'case ' created, at the end they said i did not met the requirement. I complained but never heard back since then. 

i never thought contacting CFPB until now.
Consumer complaint received 2023-08-09
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. (NY)

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 15USC 1681. 

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 2023-08-09
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. (GA)

Hi, I hope your day is going well, but I need your help. I noticed inaccurates with my credit report. its really hurting my well being and ability to move forward in life, after some research i came across this informattion from CFPB. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximumpossible accuracy of the information concerning the individual about whom the report relates.

Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I noticed on my XXXX Credit Report that there was an address that I have never lived in. This one address is XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in this address. I don't know this address. I don't know anybody who lives in this house. Please remove it from my credit score.
Consumer complaint received 2018-12-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (FL)

I ordered a product from a company XXXX for a fitness tracking watch in XX/XX/2018 for {$40.00}. The tracking number that XXXX provided is XXXX never received the watch. I had attempted to reach out to the company and they would never return my call or contact me by email. When I was unable to have them acknowledge my request. I then reached out to Paypal Credit to file a dispute that I never received the product. Paypal claims to have opened a complaint case and they contacted me with the results. They sided with the shipper saying that the item was delivered. To this day I still have not received my item. I contacted Paypal again and asked them their reasoning why the agree with the shipper. Paypal said that they provided a tracking number. I asked them that the tracking number provided only showed shipping progress from XXXX to XXXX XXXX in New York and not tracking information from there. Paypal said that they said the post office delivered it to my address. This did not happen. They then said I need to check with my post office. It is not responsibility to check with the post office. That is for them to do if they are researching where the product is.
Consumer complaint received 2023-08-09
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (MO)

I have a store credit card through Barclays. back in XX/XX/2023 I contracted XXXX and missed a lot of work. I also misse y payment due to being so sick! I called Barclays at the end of XXXX and asked them to make a payment plan to catch up and was given dates and authorizations over the phone for several dates for my card payment to be directly taken from my account! To bring it up to date. They assessed one payment and the reported to the credit bureau that I was over 30 days late to XXXX. Which resulted in lowering my credit limit and my credit score and I was not notified even through letter that any of this was taking place. The person on the phone made it seem they were sympathetic that I was going through the after math of XXXX and they were enrolling me in a program to get caught up and all the whole they were plotting against me to decrease my credit limit ; increase my utilization, and lower my score! I have had this card for over 6-7 years and NEVER had a late payment on my credit report! However before last year the store card was through XXXX! I did not start having issues until my card was transferred to Barclays! When I called the company to dispute and try to rectify the problem the rep and their supervisor said they cant see the screen past a certain point. They said they could see that my card had a payment plan but did not see why they didnt go through. There were funds on my account to pay. And if it didnt have funds or for throughly they would had contacted me through phone or mail! Both the rep and the supervisor stated there was nothing they could do!!
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/18 I rented a car signing the attached agreement number XXXX which made no reference to a minimum rental period. At the time of rental return that day ( the contract clearly lists " MIN 1 day '' ), XXXX imposed an early return penalty not mentioned in the contract, which I tried unsuccessfully to resolve at the XXXX counter at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Wells Fargo subsequently upheld the fraudulent charge, and is therefore a party to the fraud, which is not surprising given it recent history of fraudulent activity.
Consumer complaint received 2023-08-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-09
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. (AL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

*** Identity Theft Related, FCRA Requires immediate response and resolution within 5 Days *** Credit Reporting Company. Please see attached documents. XXXX XXXX has deleted the Bankruptcy, Address, and and even all the inquires it had. Please do the same. This Bankruptcy record is proven to be inaccurate and not mine. Please delete immediately I am tired of waiting. You all have kept this lie on my Credit report for 7 years! I am due some compensation these violations and failures on your part. Please delete this record immediately!
Consumer complaint received 2023-08-09
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX