davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, I deposited a check for {$13000.00} to my personal checking account at Chase which was made out to my girlfriend. It was an escrow account check. We both endorsed the check. The Bank verified with me at the Branch on XX/XX/2022 that the funds were available and in the account. I withdrew part of the money. When I returned home on the evening of the XXXX, I had a notice that Chase had placed a hold on the account until the twelfth. No reason was given and they told me I was overdrawn. When I tried to find out why a Chase representative told me I had to take the check payee and myself into a branch and meet with the manager to properly identify the transaction. I did this on XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to wire money from my account. I was told my account was restricted and would be closed. I was told I had not appeared at a branch with the payee. The branch manager confirmed I was there with the payee but the bank would still not release my funds, telling me they would need to mail me a check for the proceeds in XXXX days. XXXX days passed-no check was mailed, and now they say they have to verify the check with the maker. I have not been able to make my XXXX XXXX XXXX XXXX payment for his college and is he is XXXX next week. I do not know what to do.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (NH)

I had XXXX student loans initially from Edfinancial. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from Edfinancial. Edfinancial last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX  has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called Edfinancial numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to Edfinancial and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX  and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on Edfinancial. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, Edfinancial is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX  begins reporting on it - it has not. XXXX  has been reporting on this debt since XX/XX/XXXX, and the Edfinancial loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. Edfinancial has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (WV)

There is a collection on my credit report, the collection agency is I C system for the amount of {$160.00}. It says the supposed account was opened on XX/XX/2020 and it says the original creditor is XXXX XXXX XXXX. I have disputed this claim, but to no avail. Pursuant to 15 USC -1681b I am requesting the form and/or proof of permissible purpose as to how and why any of the the following persons : I C system, XXXX XXXX XXXX, and XXXX, are able to make derogatory reporting to my credit without my written consent? This is a clear violation of the US code and I consider it as identity thief. These private companies posing as fake " bureaus '' have been tricking consumers for years and profiting off their lack of knowledge and the misinformation we have been led to believe. I demand this collection be removed from my credit post haste. Not only is this a violation of the US code, furthermore since I never entered into any agreement or contract with I C system there is no debt or obligation to pay.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 

XXXX knows this information posted on my credit report is incorrect. 

XXXX can not produce loan agreements with me.
Consumer complaint received 2022-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

Hello, My name is XXXX and I am currently looking for help and to report some issues I am having with Navient. It's a bit convoluted, but I will try and explain it with an example. I have XXXX loans with Navient right now ( I had more that will need to be looked at, but they were consolidated. ) Out of those XXXX, XXXX are ... wonky. An example is loan XXXX. I took out {$6500.00} and according to their website on the day of disbursement, on the day of said disbursement the amount owed says {$18000.00}. Then, in XXXX, there is a " resale '' on all the loans in question for almost the exact amount of the difference between what I took out and these random numbers. Navient can't explain it. I have tried to get answers from them, but they can't explain it. I am concerned that I have been charged inflated interest since as early as XXXX on some of these loans. I have been recording calls via XXXX  and I have recordings, but right now I am looking for an attorney to help me figure this out, as I truly believe there is something wrong with all of my loans, and if there was a mistake it has inflated my debt to income ratio to at LEAST XXXX and perhaps charged me more interest than I was supposed to be charged. Hiring an attorney would be another serious financial issue. 
I have requested loan paperwork as well to see what the original loan terms are, and they won't email them to me since I live overseas. They will only send them via USPS. They have also changed my address multiple times over the last XXXX weeks, including to XXXX that I haven't lived at since XXXX. 

Thank you!
Consumer complaint received 2024-01-10
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-28
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. (MI)

XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with XXXX5 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I have been exchanging letters with XXXX and enhances recovery company for about a year now. The last document they sent me was document signed by XXXX XXXX and a XXXX worker for a new service. My concern is how can you charge me when I did not sign any documentation or receive a XXXX  phone. This is fraudulent and the charge was from XXXX but showed up on my credit report in XX/XX/XXXX. Please resolve this and remove ASAP as I do not owe them {$630.00} for an account I did not use.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

2 MORTAGE PAYMENTS WENT OUT FROM MY WELLS FARGO ACCOUNT TO XXXX XXXX XXXX XXXX WHICH I WAS NEVER NOTIFIED HAD PURCHASED MY LOAN. I PAID XXXX USING WELLS FARGO APP ON XXXX AND THEN THE AUTO PAYMENT SENT A DUPLICATE PAYMENT FOR THE SAME MONTH ON XXXX FOR XXXX. I HAD ABOUT XXXX LEFT IN MY ACCOUNT BEFORE THE SECOND PAYMENT WENT OUT. I HAVE FOUGHT THIS FOR 32 DAYS AND SPENT 37 HOURS ON THE PHONE WITH OVER ABOUT 20 PEOPLE BOTH WELLS FARGO AND XXXX XXXX XXXX XXXX. THIS COMPLAINT IS FOR WELLS FARGO. A SEPERATE COMPLAINT WILL BE RE FILED AGAINST XXXX XXXX XXXX XXXX. 
I HAVE SPENT ABOUT 37 HOURS FIGHTING THIS WITH XXXX COMPLAINTS. MY BANK RECORDS OF DEPOSITS AND PAYMENTS WILL SHOW IN A COURT OF LAW IF REUUIRED BOTH PAYMENTS WERE SENT AND NOW I AM TOLD NOT EVEN 1 PAYMENT WAS RECEIVED BY XXXX XXXX XXXX XXXX. WELLS FARGO CAN NOT TAKE XXXX OF MY FUNDS AND JUST FORGET IT. THEY CAN NOT WASH THEIR HANDS OF THE MESSED UP HAND OF OF MY MORTAGE TO XXXX XXXX XXXX XXXX. I WILL RE FILER SERERATELY WITH XXXX XXXX XXXX XXXX. TODAY XXXX JUST BEFORE XXXX I WENT TO MAKE XXXX PAYMENT AND WAS TOLD THAT I NOW OWE 2 PAYMENTS, WHERE DID MY XXXX DOLLARS GO BESIDED BEING SHUFFLED BETWEEN WELLS FARGO AND XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these itesm? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX .... & XXXX XXXX ....
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (TX)

Dear Total Visa, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that Total Visa has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for Total Visa to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that Total Visa immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Total Visa will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-01-23
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. (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. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 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 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

XXXX - They called and I told them NOT TO CALL ME AGAIN.. 

But they did on XXXX and XXXX. 

I paid XXXX XXXX ( the debitor ) the amount owed on XXXX and I told Pro Collect on XXXX that the debit was paid but they said that I should have paid them and they continued to call.
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2024-10-23
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.