davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (IL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OK)

I got a letter in the mail on XX/XX/2023 stating that I owed a debit from indigo credit card for XXXX and that they will report Credit Bureau Reporting : We may report information about your account to credit bureaus. Negative information such as a default may be reflected on your credit report.

This information is not legal advice. The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems , LLC ) can not sue you for it. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. It you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting PRIVACY NOTICE Jefferson Capital Systems , LLC ( also referenced herein as we and us ) is providing this notice to you as required by Federal law. We may collect nonpublic personal information about you as permitted by law from : Your transactions with us ; Prior owners of your account ; Consumer reporting agencies ; Applications or other forms that you provide to us.

We may disclose nonpublic personal information about you to the extent that it is : ( a ) specifically directed by you ; ( b ) permitted by the Gramm-Leach-Bliley Act such as to service and maintain your account ) ; and ( c not prohibited by other applicable law. including. but not limited to. the Fair Debt Collection Practices Act.

We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. ' We maintain physical, electronic and procedural safeguards that comply with federal XXXX XXXX XXXX nonpublic personal information. 
Mail this form or Send correspondence to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail pay ents to : Jefferson pital Systems, LLC XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX _
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX  I used my Chime debit card to purchase gas at XXXX  in XXXX, Missouri. At XXXX XXXX my card was used for a purchase at XXXX 's XXXX out of New York for {$150.00}. At XXXX XXXX my card was used again at XXXX 's XXXX  for {$46.00}. Once I realized the charges were made I called Chime and advised them I did not make the charges and they canceled my card and sent a new one. I disputed the transactions and their fraud department almost immediately denied my dispute stating the charges were valid and that they would send me proof of how they came to their conclusion. I responded by sending them information that showed I was in XXXX XXXXXXXX at the time of the charges in New York, the phone number to the dentist 's office I was at an hour before I bought the gas, the address of the XXXX I was at, time stamps from their app showing I bought gas at XXXX XXXX XXXXn XXXX XXXXXXXX so it would be impossible for me to make a purchase in New York at XXXX XXXXXXXX but they have continued to state the charges were valid. I researched XXXXXXXX XXXX XXXX  and found that they do not do online orders so it is not possible to order something online to have it shipped to me. 

I again asked for their proof and was told it would be mailed to me within 10 business days, only to discover it was e-mailed and when I clicked the link to view the information the link expired. I requested the information again and when I got the link this time, the link said I was not authorized to view it. I sent them a screenshot showing this and have yet to hear anything back from them.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I initially made a call to Nelnet requesting a refund on XX/XX/XXXX, and was told I would receive an update within a weeks, and if not to call back for a follow up. I called again XXXX and they mentioned that it was still processing, and would receive an update shortly. I called once more XX/XX/XXXX and XXXX for an update and was given even more unsure answers after and they were not able to send an email for confirmation. The dates given during the call were random, so I'm not super sure if it really went into processing. 

I have seen multiple people who have requested a refund way after I have receive their refund and have their balances reinstated, so I'm just concerned about what the status of mine is, since there have been no follow up contact on their side with updates. It's just me calling every other week to get a standard cookie cutter answer, so I am a bit frustrated although I know they too are swamped with calls. ( And of course, I want my balance reinstated and my check refunds mailed )
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX my landlord recieved an check from Bank of America XXXX XXXX XXXX XXXX XXXX in the amount of {$1400.00} and this value was removed from my checking account overdrawing it into a negative status. 

The checked bounced when my landlord attempted to deposit the check on XX/XX/XXXX. 

I called the bank and I was told they were retrying the payment and the check would clear into my landlords bank account within XXXX business days. This never occurred. 

My checking account was brought into balance of {$6.00} on XX/XX/XXXX when I added funds from my paycheck as a deposit. That same day the bank sent me an email stating that a stop payment was placed on the check on XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX the funds for the check in the amount of {$1400.00} remained out of my checking account. 

XX/XX/XXXX - XX/XX/XXXX I made XXXX different calls to Bank of America XXXX XXXX asking for help without resolution. I was told to call Bank XXXX XXXX XX/XX/XXXX and when I did they claimed they did not have any information for me and they accused my landlord of " pocketing '' the funds. When I explained that my landlord sent me financial documentation to prove the funds were never recieved the employee refused to address the matter further. 

XX/XX/XXXX I was told an Bank of America " XXXX  '' would call me to fix the situation and an offical dispute case was opened. XXXX XXXX called me on XXXX  and left a voice mail stating to call him XXXX  but that " my information '' did not match the information he had, I did attempt to make contact with him on Bank XXXX XXXX XXXX and by calling the number he provided but I was not able to speak to him. I was also told I would receive the funds back as a temporary credit but they could not tell me when. 

Today is XX/XX/XXXX and I called once again to Bank XXXX XXXX XXXX. XXXX from New York spent an hour on the phone with me. He stated he called XXXX the vendor Bank XXXX uses and they referred him to Bank of America XXXX XXXX Department which is closed today XX/XX/XXXX. 

Today XX/XX/XXXX the funds have not been paid to my landlord nor returned to my checking account. This has placed myself and my XXXX children at risk of loosing our home due to a bank error which can be fixed easily with a temporary credit while the bank reviews the errors which caused the fund not be returned. I have spent approximately XXXX hours attempting to resolve this via phone call. 

Essentially the bank has stopped payment on a cashiers check, taken the funds from my checking account, and refused to return the funds to my checking account for the past XXXX weeks.
Consumer complaint received 2022-10-04
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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 2024-08-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX give their customer credit score checks through ( experian ). It shows that on the XXXX XXXX XXXX in to my account my credit score along with my checking balance amounts and the note my checking balance caused my credit score to become poor. My checking and Savings amounts are not credit accounts. My personal bank accounts should not be a display for Merchants to view the entire balance to all of my accounts along with my social security numbers all other personal information. I do not see experian has jurisdiction to display my bank accounts if they are not credit accounts.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I sent an international wire transfer from Chase bank branch ( in XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 in the amount of {$50000.00} USD. It was promised to be delivered on XX/XX/2022 but it was never received by the receiver bank. I called many times since XX/XX/2022 and at first Chase told me that record showed it was delivered and ask me to call the receiver bank. Both bank push me back and forth and I finally got a confirmation in writing by XXXX XXXX  that the {$50000.00} of fund was never received by them. XXXX received a payment direction for {$50000.00} but no fund was given from Chase, therefore XXXX sent declined the instruction and sent back the payment direction to Chase. I then follow up with Chase, it was a very difficult to communicate with them as their wire investigation department will not take phone calls and only secure message. And the secure message they sent are very brief, every time they tell me they will look into it and will take 3-5 business, and repeat. Now it's already more than a month and they still can not give me my {$50000.00} USD back. The wire investigation department did confirm that XXXX have rejected the request and Chase will refund my money but it have been more than 2 weeks and money wasn't sent to my account. I went to Chase branch, call the customer service line but they will redirect back to Wire Investigation Department which is only available through secure message but they are not helping me. I need to get my {$50000.00} USD back, Chase can not take my money just like that!
Consumer complaint received 2022-10-04
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. (NV)

In accordance with the fair credit reporting act 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. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-10-12
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. (NJ)

In XXXX, I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself and XXXX XXXX XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Consumer complaint received 2022-10-04
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: OneMain Finance Corporation (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2022-10-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (TX)

I unfortunately lost my job in XXXX, but was able to continue making my lease payments for a few months. After not being able to find a job, I contacted Ally Financial in XXXX and requested a 2 month extension. The representative I spoke with agreed and said he'd made the adjustment and put notes on the account. My payment was due on XX/XX/XXXX, it's now XX/XX/XXXX and I found out no extension was ever placed on my account and my account is delinquent with a late charge. 
I called back and spoke to a collection representative who stated they were able to see no notes about my previous discussion. She then stated she could offer me the 2 month extension, which I gladly accepted. However she then back tracked saying I'd have to make a partial payment ( which was actually a full payment ) in the next 10 days for me to be able to get the 2 month extension because the account was 17 days past due. 
I tried to explain again that I had called previously before it went delinquent, the way she spoke it made it seem like she was trying to get me to make a payment to hit her " bonus monthly goals '' rather than to actually try to help with the 2 month extension. 
She then tried to threaten me by saying she was removing the 2 month extension if I didn't want to pay. She then went on to say I requested her to cancel the 2 month extension which I never did. All in all was a very frustrating conversation on top of an already frustrating situation when I'm out of work. 
We never got the problem resolved as we were going around in circles and eventually I had to disconnect the call. 
Also the car is worth more than I owe, however Ally will not allow me to sell the vehicle to any third party without increasing the amount owed from what he actual payoff is, is this even allowed?
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by covid-19 I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the XXXX, Transunion and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with this matter.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act the XXXX of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXX/XX/XXXXXXXX, XXXX : # XXXX, XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX# XXXX, XXXX & XXXX ( Original Creditor : XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, EXPERIAN ALL THREE CREDIT REPORTS SHOW 17 CREDIT INQUIRIES THAT I AM SUBMITTING A DISPUTE.

I did not authorize my credit to be pulled due to the recent two national data breach ( s ). I am very concerned about these inquiries being placed on my credit report ( s ).

I am requesting all 17 be removed within the 24 hours by law. I have already placed online fraud alerts with all three reporting credit bureaus. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

I am filing a formal complaint agains tAFFIRM INC in regards to the company reporting an unverified debt on all of my credit reports from each of the main credit bureaus. I have reached out to AFFIRM INC on multiple occasions for verification and validation for the supposed debt they claim I owe, but they have failed to provide me any sort of validation documents for that debt. The account is Account # : XXXX Date Opened:XXXX Balance Owed : {$220.00}