davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (IL)

Navient does not have a record of payments made between XXXX and XXXX. They suggested contacting Federal Student Aid about the matter. FSA sent a letter indicating that " the last federal student loan reported is a FFEL Program Consolidation Loan that is paid in full as of XX/XX/XXXX. The loan is now in forbearance and Navient claims I owe around {$17000.00}.
Consumer complaint received 2023-08-15
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)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tesla, Inc. (NY)

copy of my letter to collection agency and Tesla Re : Tesla Ref : XXXX, XXXX  XXXX Sir/Madam I hope this letter finds you well. I am writing in response to the claim you have filed against me regarding the return of a vehicle leased from Tesla. I would like to address each of the points you have raised as follows : 1. The car was in legal compliance with the state of New York 's Department of Motor Vehicles regulations. It met all the necessary requirements, including but not limited to registration, inspection ( which includes tire conditions ), and insurance. I have upheld my responsibility in ensuring that the vehicle was following the applicable laws during the term of the lease.

2. All the tires on the vehicle were in good shape. In fact, I had provided photographic evidence of the tires ' condition to Tesla prior to the return of the car. The tires were properly maintained and met the safety standards set forth by Tesla. The vehicle had only XXXX miles after 3 years. 

3. At the time of return, Tesla accepted the car without stating any issues with the tires or any other aspect of the vehicle. If there were any concerns regarding the condition of the tires, it is reasonable to expect that Tesla would have communicated them during the return process. However, no such communication occurred, and I proceeded with the return based on the acceptance of the vehicle by Tesla.

4. It is important to note that Tesla requested the return of the vehicle to a specific location, which was not originally agreed upon in the lease agreement. As a result, I incurred the loss of a day 's work to fulfill their request and avoid any further complications. I acted in good faith and followed Tesla 's instructions, which resulted in financial and professional inconvenience for me. 

5. I understand my claim for lost wages resulting from the decision to return the car to a location outside of the lease agreement. However, it is crucial to recognize that this decision was made at the request of Tesla, and I complied in an effort to address the situation efficiently. As a result, I incurred financial losses, including additional expenses and the time taken away from work, which directly impacted my ability to earn wages during that period.

6. Based on the aforementioned points, I firmly believe that the claim against me is without merit. I kindly request that you reconsider your position and withdraw the claim. If you persist in pursuing this matter, I will be left with no choice but to take legal action against Tesla and XXXX, XXXX XXXX. Please be advised that if the claim is not withdrawn by XX/XX/2023, I will proceed with filing the necessary legal action. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution without further legal action. Please contact me at your earliest convenience to discuss this further.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

USC 1681s-2 Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies XXXX, XXXX, and TransUnion. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Consumer complaint received 2023-08-14
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023, I wrote a personal check for {$1300.00} made payable to XXXX as payment on my credit card account. I mailed said check via USPS, along with the payment coupon, in the enveloped furnished by XXXX. On or about XX/XX/2023, the {$1300.00} was debited from my account, but it was not applied to my XXXX credit card account. 

Upon investigation, I discovered that JP Morgan Chase had somehow intercepted and deposited my {$1300.00}. I DO NOT NOW, NOR HAVE I EVER HAD AN ACCOUNT WITH JP MORGAN CHASE. 

I contacted XXXX, but they refuse to assist claiming they are unable to contact another bank. I filed a report with my local police department ( XXXX XXXX, Ohio ), but they are doing nothing to assist in the recovery of my {$1300.00} from JP Morgan Chase. I attempted to contact JP Morgan Chase, but they refuse to talk to me because again, I DO NOT NOW, NOR HAVE I EVER HAD AN ACCOUNT WITH JP MORGAN CHASE. 

My XXXX XXXX, XXXX XXXX XXXX ' ( XXXX  ) has been in contact and according to them, JP Morgan Chase has supposedly/allegedly started a claim ( Ref # : XXXX ), but they appear to be in no hurry to return my funds and has told the representative from XXXX  not to contact them for 45-days. 

THIS IS UNACCEPTABLE. I am a Veteran and Retired Federal employee. I have limited financial resources, and I am currently out {$2600.00} ( the XXXX bill still had to be paid ). This is a significant hardship. I do not understand how JP Morgan chase came in possession of my check because it was not mailed to them, nor was it made payable to them. As far as I am concerned, JP Morgan Chase has engaged in fraud and theft. 

How can the deposit funds not payable to them? This is fraud and theft, and they appear to be in no hurry to refund my {$1300.00}. This is a significant financial hardship and if my funds are not recovered soon, it will affect me negatively. Again, I'm retired and have limited income. 

Any assistance you are able to provide is appreciated.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I was denied usage of a debit card by XXXX. They said I should contact Equifax Information Services LLC for a free credit report to investigate the decline. I tried to create an account with my.equifax.com, but was told I could not and had to contact the company by telephone. I called and spoke to a representative. She asked a series of questions and I provided my mobile phone number, email, address, date of birth, social security number and uploaded pictures of my id card and a selfie. After doing this 2 times, due to " errors '', it was successfully uploaded. However, the rep instructed me that it did not work and that I would need to mail the documents and my SS card to XXXX Georgia for further verification. 

I asked to speak to a superviser, as I do not trust sending my Social via snail mail. I was placed on hold for XXXX minutes. I was kept on the line as they agent promised each time that I would only need to wait XXXX more minutes, which turned into a much longer wait. 

I finally gave up and hung up the call after XXXX minutes of wating. 

The reporting service has an obligation to protect credit information and privacy by using modern tools to provide fast and secure service. This apparently is not how Equifax operates today. 

The rep name was XXXX.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CT)

I am XXXX XXXX XXXX a XXXX XXXX  at the XXXX XXXX XXXX. I opened a checking account in Chase Bank on XXXX XX/XX/2023. Chase Bank had offered that If I enrolled for the direct deposit within 90 days, I would get a bonus of XXXX XXXX I enrolled for the direct deposit on XXXX XX/XX/2023 which is before the validity of 3 months but my check got deposited into the account on XXXX XXXX because of some issue between the bank and the university. Chase Bank claims that I won't be getting a bonus since the check git deposited after the validity. I feel this is unfair since I was just asked to enroll for the direct deposit within 90 days no matter when the check gets deposited. I request that some action be taken against them. I called them multiple times but the bank is not responsive.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute and address concerns regarding the way my XXXX XXXX XXXX XXXX 's utilization for the card ending in XXXX is being reported on my credit reports. Additionally, I kindly request that my membership start date be accurately reflected, as it plays a crucial role in maintaining an accurate credit history. 


One of the key features that I deeply value about my XXXX XXXX is its absence of a traditional pre-set spending limit. This unique attribute provides me with significant flexibility, making it essential that credit reporting accurately represents this aspect. I kindly request that the reporting clearly showcase that my card operates without a predefined credit limit, as this is one of the distinct benefits of the XXXX XXXX. 


Furthermore, I've observed that my membership start date is not accurately recorded in my credit history. Having the correct date of when I became a member is essential for a precise representation of my credit journey. I kindly request that you verify and correct this date to accurately reflect the moment I joined as a member, as this will contribute to a more precise depiction of my credit history. 


While I understand that errors can occasionally occur, I emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA ensures that credit reporting agencies and creditors, such as XXXX XXXX, handle disputes with accuracy and fairness. I kindly request that this dispute be handled in full compliance with the FCRA, and I trust that any necessary adjustments will be made within the specified time frame. 

Wherefore, I also request that the necessary updates be made to my credit report with all major credit reporting agencies to ensure a comprehensive correction and accurate reporting. 


Thank you for dedicating the time to address my concerns. I genuinely value my relationship with XXXX XXXX and believe that through collaboration, we can successfully address these matters, resulting in an accurate and fair representation of my credit history and the unique features of my XXXX XXXX.
Consumer complaint received 2023-08-10
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: ID Analytics, Inc. (IL)

I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and SAGESTREAM I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
Consumer complaint received 2023-08-10
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-08-10
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: CITIBANK, N.A. (NJ)

Citi lied to me about sending a new credit card, then canceled my current credit card, and locked me out of my citi online account. I can't keep track of my bill, and I can't provide them with a credit card number for my new card. I also haven't received any paper statements from them period. 

I've received several phone calls from some XXXX company with an XXXX claiming to be Citi. In XXXX I paid them {$400.00} twice, and then received another call XXXX days later from " Citi '' stating that I haven't made any payments since XXXXXXXX XXXX 

When I call Citi, I'm placed on hold for hours ( seriously ), and offered no explanation as to why Citi closed my credit line ( as I've never EVER missed or been late on a single payment ). I'm assuming they got hacked or something and this is their way of not disclosing this to the public.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I am writing to formally dispute the inaccurate balance reporting on my credit report by Wells Fargo. The account in question should have a XXXX balance, yet Wells Fargo is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : Wells Fargo is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both Wells Fargo and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with Wells Fargo : The Wells Fago account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-10
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. (DE)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX Equifax and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

On XX/XX/XXXX, I deposited XXXX checks in person at the PNC Bank located at XXXX XXXX XXXX, XXXX, KY XXXX, to be deposited in my checking account with PNC. The amount of the XXXX checks totaled {$270000.00} - primarily my Federal tax refund check from the IRS, but also my Kentucky state tax refund check ( {$7600.00} ) and a small escrow check from XXXX XXXX  XXXX ( {$1600.00} ). 

At the time of this writing ( XX/XX/XXXX ), the funds have still not been made available for me, and PNC will not give me an estimated time of release, saying only that they are " under fraud investigation ''. I wish to invest these funds, so at this point I am suffering financial damages from the inaction of PNC bank to release this money because they are costing me dividends I could be receiving. Additionally the {$600.00} that was originally in my checking account is no longer available. 

I have spent over XXXX hours on the phone trying to talk to the right people at PNC, but nobody can help me. I have visited the branch XXXX times since depositing the checks and that has also been a huge waste of time. I seem to have no options to do anything about this, and I really don't understand - doesn't PNC *want* my business??
Consumer complaint received 2023-08-10
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. (MS)

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 2023-08-10
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. (MI)

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 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 XXXX 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 XXXX 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.