davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SALLIE MAE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SALLIE MAE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-10-08
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)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc. (IL)

The United Consumer account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and United Consumer Financial services and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX to request the contract because they will not provide to me. XXXX went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I requested that experian remove XXXX XXXX XXXX ( XXXX ) from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof I signed up for the card etc. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (TX)

There were cash advances made on my credit card which the bank let exceed the credit limit. I did not get a notification that this was happening but now I al responsible for paying it back. The bank closed my accounts.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MD)

Hello, I have attempted to validate a debt with I. C. Systems twice. The first attempt was the mailing of correspondence on or about XX/XX/2022 via first class mail. The tracking number for the delivery of the first notice is XXXX. I waited 30 days and received no response. Then on or about XX/XX/2022, I sent a second request via first class mail. The tracking number for the second notice is XXXX. As of today, no response from this company. This information is listed on my credit report and I would like it removed as the company has failed to provide me with the information to appropriately validate the debt.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Former : XXXX XXXX XXXX  Former : XXXX XXXX Current Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, Employers : XXXXXXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NJ)

I received a Frontier Airlines Mastercard in the mail and a separate letter from Barclays saying that their attempts to reach me by email were unsuccessful.

I did not apply for a credit card from this company.

When I called to try to cancel the account, I did not want to give them the last four digits of my Social Security number because I was afraid of fraud ( given that I did not apply for this card ). They refused to help me.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (AL)

I received a chase debit card for an account that was open in my name card ending XXXX then on or about a week later I received another letter stating that the account would be closing due to non-activity and any funds remaining would be sent to me I received a cashier 's check on XX/XX/2022 in the amount of {$1.00} # XXXX event # XXXX with my name and address listed on the check I never opened a chase account i reach out to themXXXX about the wouldn't give me any info about the account they informed me it was nothing they could do and not to worry about. Would like to have this issue investigated for fraud and identity thief as well the chase company is not concerned about my personal info or nor did they accurately verify if it was me that open the account. 
business name on check JPMorgan chase bank N.A.. XXXX az XXXX
Consumer complaint received 2022-08-29
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. (AR)

XXXX XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IL)

I requested a {$1400.00} loan for emergency housing needs. I am a senior and was not aware of the {$7000.00} plus repayment for the amount of this loan. My daughter who helps with my bills was reviewing my account on Saturday and was " livid '' when she learned I had money coming out of my checking account from a " predatory lender ''. We put an automatic " stop payment '' on any future withdrawals. I did not understand this was a scam.
Consumer complaint received 2022-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

In XXXX, I took out a XXXX XXXX XXXX with Navient. I deferred payment until XXXX. Since XXXX, I have repaid my loan without lapse or default. Monthly payments range from $ XXXX per month due to a variable interest rate. In XXXX, my loan was originated for {$15000.00}. Today, despite over {$29000.00} in faithful monthly payments, I still owe {$20000.00}. Something about this math does not make sense to me and feels usury. I believe they packed the interest payments for the entire loan at the beginning and I'm just now beginning to pay of principal.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

So the first issue is that I cashed my Pennsylvania XXXX XXXX XXXX XXXX  for {$520.00} and it was supposed to go on my Chime Card however that was back on XX/XX/XXXX and STILL it's not there and XXXX has proved the check was cashed and put in chime so I don't know what they have done with my money but they are very rude and ignore customer support emails and even hang up on the phone and this is really frustrating and then the second issue is there are unauthorized charges on my account two months in a row and they keep denying the dispute for them like how is this even legal? Something should be done for sure because it seems they steal money and one time they even claimed that they found the check and it was processing and it'd be in the account the next day and that was over 3 weeks ago at this point
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

I closed my XXXX account in XX/XX/2021. The company said that in XX/XX/2021 they returned my {$990.00} by electronic transfer to my Chase bank account, which is the originator of the fund. However, I have never received it. I contacted XXXX more than 7 times, but can not solve the problem. In our last conversation XXXX weeks ago, XXXX said the money is at Chase bank and asked me to contact Chase bank. However, Chase bank said they did not see it. It is really hard for a customer to be pushed between these XXXX banks.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I recently have been sending dispute letters to XXXX, Transunion, and XXXX for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Overdraft fees were garnished improperly or excessive during the duration of opening my account in XXXX. Please do a full review! I use to get payday loans years back before it was removed I paid excessive fees on the loans. I was denied business accounts without reason and or notification as to why! As a XXXX American Discrimination had a huge impact. Although being with the bank since 2012 with a fairly decent record. Yet, still denied although other criteria may have been accounted for. Yet, no explanation just a frustrated loan officer in XXXX, Tx. That loudly stated denied! 
Please do a full review on both my original account and my teen account which was closed for insufficient funds!
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XXXX, I logged into my account online and noticed a check # XXXX dated from last year ( XX/XX/XXXX ) " in process '', for {$3000.00} from my account. 
I reviewed my previous year 's statements and found out that the check was paid/posted by bank last year, XX/XX/XXXX. 
I contacted bank 's customer service and spoke with XXXX and explained to her what happened. She agreed that the check is being processed twice and started a bank investigation process with Reference # XXXX. 
On XXXX, I logged into my account online again and found out that check # XXXX was " cleared an paid again '' for {$3000.00} on XX/XX/XXXX. I called bank 's customer support again and logged another investigation and was given complaint # XXXX. 
I was told both times that bank 's investigation can take up-to 10 business days. I asked the customer service to restore {$3000.00} payment to my account while they conducted the investigation so that I can pay my scheduled bills. My request is being declined. 
See attached copies of check being cashed in years XXXX and XXXX.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the FAIR CREDIT REPORTING ACT XXXX ( XXXX XXXX XXXX  ) ACCT # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish a without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I had a mortgage with XXXX XXXX XXXX  and they sold it to Select Portfolio Servicing ( www.spservicing.com ). 

I sent my first payment to Select on time at the beginning of XX/XX/2022, and they received it and cashed it on XX/XX/XXXX ( see attached evidence, which I have sent to Select already ). However despite this the money has not been applied to my account and I'm being shown as late as of XX/XX/XXXX. They keep calling me that I'm late and I have explained many times that the check was cashed by them and sent them proof of that from my bank. Despite my multiple calls to them they fail to address the issue and as we enter XXXX I'm worried about what will happen with the next payment. I have a credit score in the upper XXXX XXXX and have been very disciplined with all my debts, I find it unacceptable that my reputation is now at risk due to the inability of this company to properly process my payment. 

My account number with Select is XXXX. Due to the way their correspondence was sent to me this was not clear and I sent the payment with the account number that I had with XXXX XXXX XXXXXXXX. In all fairness, this caused confusion. However given that I have given them all the information to correct it, I find it problematic that they have failed to do so.
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (FL)

CMRE FINANCIAXXXX YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. 

-CMRE FINANCIAL XXXX {$65.00}, {$74.00}, {$74.00}, {$100.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( 2 ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between CMRE FINANCIAL and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TN)

I had Wells Fargo since XXXX  and it was alright at first but after awhile I start getting charged overdraft fees for no reason back to back and I also and a automatic payment coming out for XXXX and I cancelled that and they still took my money and I put me in a bad situation
Consumer complaint received 2023-03-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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