davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

n accordance with the Fair Credit Reporting act Dept of EducationXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-28
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: CLGF Holdco 1, LLC (MD)

XX/XX/XXXX My credit card account with XXXX XXXX  wrongly marked 30 days late on my credit report. My minimum payment was paid and they confirmed via phone conversation and told me to dispute with credit bureaus and were to remove the late marking. Since than the card company has been transferred to XXXX different banks and is now with XXXX - GENESIS RETAIL who refuses to correct the marking. I have had my account and always pay on time since XXXX. This is the only negative item on my credit profile and I have been trying to remove for years. Genesis has not upheld the agreement the original creditor promised to correct.
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

Applied and provided three offers based on information I submitted and what they got from my credit report. Was told all they needed was to validate the income I proved them of my net XXXX a month income. I uploaded all documents and they reviewed them. They had an issue according to one of their reps in calculating my income since they were not giving me all of what was on the paystub. They had the wrong start date in there. Asked to speak to supervisor but non available and never called me back. Had another branch review the case they seen where they issue was and corrected that but then said that I was not approved for the original amounts or offers but less even though my income was corrected. They tried to switch up the offer and give me a worse term and amount. They could not tell me why other than someone messed up and quoted me the offer and they should not have. There is no transparency and they lie about what they can offer you then switch it at the last minute.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

About 2 years ago I reached out to you twice for some assistance dealing with Bank of America as they refused to work with me on several of thier options to prevent foreclosure for which i qualified. I lost the property but just received a check from them for XXXX dollars because they wrote that they may not have provided me with the level of service I deserved.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX 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 604A 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, other than records of conviction 's 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 2023-01-24
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. (CA)

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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 sates a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AL)

Had a  Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in  XXXX  and would not be reopened even after repeated ca lls to Chase cust omer service.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I spoke with a Equifax Rep. about unauthorized inquiries on my credit profile the agent XXXX ( ID XXXX XXXX ) told me that unauthorized inquiries have to stay on my credit report for 2 years which negatively affects my credit health as I am trying to re established good credit how is possible this violate my consumer rights 15 usc 1681i in accordance with paragraph ( 5 ) this company has stripped me of my right of fair and accurate reporting as I was told that equifax has no way of deleting unauthorized inquiries.
Consumer complaint received 2015-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC (IL)

Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother. 
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I own a title insurance agency in Pennsylvania. I have been banking with XXXXXXXX XXXX, XXXX since XXXX. XXXX XXXX holds all escrow account, and daily operating accounts for said business. 

On XX/XX/XXXX a fraudulent check cleared our escrow account for {$9500.00} - the check was clearly a fake, with smudge marks, inaccurate seals, missing telephone numbers, incorrect check numbers, invalid authorized signatures, etc. The check was NOT indorsed or stamped. The fonts did not match our check stock. The check was clearly done as a mobile deposit, and in the subject area had " commission '' listed. 

I received my 89 page bank statement with all copies of checks in XXXX- Did not notice the check clearing escrow because the amount did not stick out, when we clear thousands of checks a month. 

A XXXXhird party reconciliation company XXXX XXXX XXXX, does our third party escrow reconciliations- and brought to our attention this check that did not match up to a file or ledger. Immediately we contacted XXXXXXXX XXXX, contacted customer service, and filed a complaint. 

XXXXXXXX XXXX returned the claim on XX/XX/XXXX stating that " Given the account agreement and based on a review of applicable law, we feel we paid the check in good faith and upon the exercise of proper care '' WRONG- this check is clearly a fake. This check was cashed, without any endorsement on the bank. This check was signed by not an authorized signor with a magic marker or stamp that is not the same name, nor similar signature as the company primary. 

I contacted the XXXX XXXX manager assigned to my business accounts- when she finally returned my phone call she stated that the reason this claim was denied is because it took ME too long to file a claim. Meanwhile I filed the claim as soon as it was brought to my attention/ after going through the monthly due diligence of escrow reconciliations. This happened during the end of the year - the busiest time, and the bank is not willing to help. 

Furthermore, this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX manager will NOT supply any information for me to be able to file a police report. After asking numerous times, they have not and will not supply information regarding the bank this cleared through. 

XXXXXXXX XXXX is taking no fault on this. Which is bad business - Escrow money is not ours - it is the consumers money. There was not a fraudulent check written by this company- it was written by someone trying to defraud a title insurance company, and they succeeded - the bank has insurance in place to cover fraud, and are blatantly not caring about the consumer. 

This situation is at zero fault of the title agency involved and we would appreciate the money back!
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (RI)

I called XXXX XXXX XXXX in Pennsylvania, and it took a while for them to get the bill paid, but it was resolved. However, it hit collections already and I contacted the debt collector and sent them the account number as proof that it was paid to an email, they have given me. I am on ssi so I don't know why I have a medical bill in collections in the first place. I called the debt collector again and they said they have no notes about the email i sent. I am trying to get this off of my credit because it's been long enough.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
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. (PA)

I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. In accordance with the Fair Credit Reporting Act 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 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

ON OR AROUND XX/XX/XXXX I RECEIVED A SETTLEMENT CHECK WHERE I LOST MY YOUNGEST CHILD DUE TO AN ACCIDENT. THAT CHECK WAS STOLEN FROM ME AND DEPOSITED INTO A CHASE BANK ACCOUNT THAT I DID NOT OPEN NOR AUTHORIZE TO BE OPEND BY ANYONE. I HAVE GONE BACK AND FOURTH WITH CHASE BANK FOR YEARS NOW TRYING TO RECOVER MY FUNDS WITH NO LUCK, I HAVE PROVIDED PROOF THAT I WAS NOT THE PERSON WHO OPENEND THE ACCOUNT, I NEVER HAD ACCESS TO THIS ACCOUNT FINALLY XX/XX/XXXX CHASE TOOK MY CASE AND OPENED AN INVESTIGATION TO DETERMINE IF I DID OR DID NOT OPEN THE ACCOUNT THEY SAID I WOULD RECIEVE A LETTER IN 15 BUSSINESS DAYS WITH THE DETERMINATION. I DID AND CHASE BANK IDENITY DEPARTMENT CONFIRMED THAT I DID NOT OPEN THIS ACCOUNT SO THEY WERE GOING TO NOITFY THE FRAUD DEPARTMENT SO THEY COULD RETURN THE FUNDS FROM THE SETTLEMENT CHECK THAT WAS DEPOSITED INTO THIS FRAUD ACCOUNT TO THE ISSUING CHECK DRAWER WHICH WAS XXXX XXXX I HAVE CONTACTED THE FRAUD DEPT, IDENITY DEPT AND CLAIMS DEPARTMENT NOW THEY ARE TELLING ME THEY CAN NOT RETURN THE FUNDS BECAUSE IT'S BEEN OVER 2 YEARS AND I EXPLAINED THAT WAS NOT MY PROBLEM NOR DID I KNOW THERE WAS A TIME FRAME AS I WAS NOT THE ONE THAT OPENED THIS ACCOUNT TO KNOW THIER AGGREEMENT/POLICIES, REGIONS BANK REQUESTED THE FUNDS BACK AND CHASE BANK REFUSED THIS IS NOT RIGHT AND ILLEGAL AS I HAVE BEEN A VICTIM OF IDENITY THEFT AND CHASE BANK CONFIRMED THIS I AM ASKING CHASE BANK TO PLEASE DO THE RIGHT THING AND RETURN MY FUNDS FROM MY SETTLEMENT CHECK THAT WAS STOLEN SO I CAN LET MY SON REST IN PEACE AND PUT ALL THIS BEHIND US. I HAVE THE LETTER CONFIRMING FROM CHASE BANK THAT THEY CONFIRMED I DID NOT OPEN THE ACCOUNT SO WHY ARE THEY NOT WANTING TO RETURN MY FUNDS? I HAVE ATTACHED A COPY OF THE LETTER FROM CHASE BANK
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am currently facing one of the biggest fights of my life. I am under a lot of XXXX XXXX XXXX XXXX I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (RI)

Dear COMENITY BANK/VICTORIA SECREDT ( # XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2021 for XXXX days? ( I believe that was the time I was in the hospital with XXXX, and i relay that to your customer services ) > I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I spoke with Navient on XX/XX/2023 and advised the amount that I could afford to pay is {$100.00} in monthly payments. They refused to accept my offer and indicated that I would be required to make a payment of {$250.00} instead. I informed the rep that I would not be able to make those payments and it would result in the payments being delinquent. At this point, I am sure that Navient does not want to assist me in coming to a repayment that works for us both so I am left to file this complaint. Additionally, my loan should have been discharged in the Navient XXXX settlement but instead they sent me a check for {$260.00}.
Consumer complaint received 2023-01-24
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.