davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

In XXXX, my student loans were automatically placed into forbearance due to the COVID-19 Pandemic and in compliance with the Executive Order signed by the President which suspended payments. Then when the payment suspension was extended in XXXX, Navient listed my account as being past due for XXXX  days and didn't extend the payment suspension to my account. When I called, Navient suddenly claimed my Federal loans were not eligible for the payment extension and reported my account as being past due. I have asked them to remove the derogatory remark and Navient has refused. Thus, I am seeking assistance in getting the XXXX payment delinquency removed because my loans did, in fact, quality, under the XXXX order.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

Chase closed my debit card while I traveling overseas, blocking dozens of transactions without any legitimate claim. Chase failed to record my new address in the United States, refused to record my new phone number, and when I arrived in the United States, Chase blocked transactions leaving me without any access to my funds. 

When I went to the Chase branch at XXXX XXXX XXXX XXXX XX/XX/2023, despite having my passport, drivers license, and debit card, Chase refused to provide me with access to cash, and also refused to close my account and issue me a cashier 's check for the balance. 

The Branch Manager was abusive, insulting and threatened to call law enforcement even though she was the one breaking the law and was responsible for holding my assets hostage. 

Chase then subsequently blocked my newly issued virtual debit card linked to my XXXX account, blocked my online access, and canceled a physical debit card which was sent to my new address in XXXX, North Carolina. 


So in all Chase has blocked my debit cards XXXX, virtual debit cards XXXX, blocked my online access, and refused to close my account and issue a cashier 's check for the balance. 

In all I have spend XXXX + hours on the phone the Chase, all to no avail.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (LA)

I got an apartment in my son 's name in 2019 due to me having a broken lease on my credit report because my mama died in 2019 and I had to break my lease to go and stay with my elderly dad who can not care for himself. I then found an apartment that the manager assisted me with using my son 's name to get me approved for an apartment that she was managing. She said it was okay to use someone else name to get into the apartment complex. I had been living in the apartment for years until the manager allowed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was very frightened. I then moved out the apartment and left a balance with the apartment complex due to me having to relocate. The XXXX of the complex refused to let me take care of the debt and turned the debt over to the NATIONAL CREDIT SYSTEM in my son name. Me and my son has tried to contact the NATIONAL CREDIT SYSTEM to take care of the matter and they are refusing to speak to me. Now he is having issues getting a home or apartment and it is not his fault and the manager of the complex told me it was okay to use my son name to get the apartment.
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

A fraudulent cell phone account under my name in XX/XX/XXXX. Original amount was {$72.00} I had sent a letter to XXXX XXXX XXXX on XX/XX/XXXX disputing the charge and had asked them to close the account and absolve me of all charges to the related account ( # XXXX ) I had reported to XXXX XXXX, report # XXXX Now I have received collection letter from TrueAccord XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXX XXXX XXXX This is a second agency sending me collection letter
Consumer complaint received 2023-12-12
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 2023-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (FL)

There has been issues with our mortgage company paying things for our escrow account that they shouldn't have like our XXXX  XXXX  insurance policy and paying other insurance policies without our consent. However, this is not my main concern. Our escrow account was in a deficit until XX/XX/2023, we paid it off and it was positive. At the beginning of XX/XX/2023, we notified them of our property tax exemption. On XX/XX/XXXX, Cross Country Mortgage advanced funds for our personal insurance for the amount of {$2200.00}. Upon doing this federal law states that they are required to conduct an escrow analysis before recouping the funds, this was not done. Cross Country Mortgage continues to charge us {$1000.00} a month, even though the escrow account is paid off again and positive {$1500.00}, with no other items to be paid. They are charging us more than XXXX of our annual escrow payment and are holding more than XXXX of a cushion. It is against the law for them to do so. They refuse to do anything and continue to charge us late fees and inspection fees because I am now refusing to pay them the {$1000.00} extra for the escrow account which is not owed and illegal for them to collect. We have contacted Cross Country Mortgage numerous times and all employees refuse to do anything, they deny all violations, and continue to charge us, until they decide to do an annual escrow analysis.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (NY)

There are companies I do not recognize running daily Inquiries EVERYDAY for more than 2 years whom I have not solicited nor given permission to do so, there are several misspellings of my Name, several inaccurate addresses, there is also the issue of the companies XXXX, Equifax, and XXXX XXXX furnishing information in my credit report to the public without my written permission.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GM FINANCIAL customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2023-12-12
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. (PA)

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Filed on XX/XX/2017. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Consumer complaint received 2023-12-12
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. (CT)

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

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-11
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. (NJ)

15 usc 1666b a creditor shouldnt treat a payment as a credit card. Which this account from XXXX XXXX XXXX XXXX is a charge off.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account is showing delinquent late payment which is inaccurate. Please remove the late payment off my report ASAP. 

ACCOUNT NUMBER : XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (NJ)

I had looked look on my Experian report and noticed an unauthorized inquiry that was from XXXX XXXX XXXX XXXX XXXX. And also XXXX XXXX XXXX on my Experian is given me a hard time removing the item off. Which was remove from my other reports. I had file a report with the FTC and got back a report number for all three items
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MS)

On XX/XX/2023, I called what I thought was a XXXX XXXX account to tell them of an email I received that there was a charge of about {$600.00}. The person that answered the phone said that I would have to change my XXXX password and that he would help me with that process. I had asked if what he was telling me to do was applying for an Apple Card, that I did not want an Apple Card. He told me no. On XXXX XXXX I got a call from Goldman Sachs Bank asking if I had applied for an Apple Card. I replied no. Explained to her what had happened. They recommended that I contact the XXXX credit reporting agencies to freeze my reports. Also, contact the police for a report so I can send it to them. On XX/XX/2023, I checked my equifax credit report and there was an Apple Card charge on there with a balance of {$5400.00}. After that, I had went online to XXXX and disputed that charge. Monday, XX/XX/2023, I called XXXX to put a freeze on my credit report. Monday afternoon I went the police department and filed a fraud report.
Consumer complaint received 2024-01-05
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. (TN)

I have consistently informed you about inaccuracies in my credit report, which persist in violation of XXXX standards. Despite previous notifications, these errors persist, adversely affecting my credit profile. I demand prompt corrective measures to rectify these inaccuracies to avoid further harm and adhere to the Fair Credit Reporting Act ( FCRA ). Failure to promptly address this matter may lead to legal action, including arbitration. Your immediate attention to this issue is crucial.