davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

I have called Mohelia several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


Mohela Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}
Consumer complaint received 2023-02-12
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. (GA)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : XXXX XXXX  Acct # : XXXX Acct : XXXX XXXXXXXX Acct # : XXXX Acct : XXXX XXXX XXXX  Acct # : XXXX Acct : US Dept of EdXXXX Acct # : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-12
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: Experian Information Solutions Inc. (VA)

XXXX account # XXXX violating my rights FCRA dispute not resolved I have a right to privacy Account not mine The law states that a financial institution can not display my information or furnish information on my consumer report without permission. If I opt out, the congress states I am not to have my personal information reported. 15 USC 6802 AND 6801 B ( 2 ). 
Please remove the inaccuracies from my report immediately. Due to disclosures not being provided with my signature and MY RIGHTS TO PRIVACY the following must be removed, its the law. Without my written permission this inaccurate information must be removed.This is personal NON PUBLIC INFORMATION and to be protected according to 15 USC 6802 ( A ).
Consumer complaint received 2024-09-04
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$0.00} XXXX XXXX # XXXX XXXX BALANCE {$620.00} XXXX XXXXXXXX XXXX XXXX # XXXX -DATE XXXX BALANCE {$0.00} WFC # XXXX -DATE XXXX - BALANCE {$0.00} XXXXXXXX XXXX XXXXXXXX -DATE XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX -DATE XXXX - BALANCE {$6200.00} XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$2500.00} XXXX XXXX XXXX -DATE XXXX BALANCE {$3300.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$470.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXX OPENED XXXX BALANCE {$400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I received my annual free credit report from XXXX XXXX, Equifax, and XXXX credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Consumer complaint received 2023-02-11
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. (FL)

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-11
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. (NY)

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 XXXX # XXXX XXXX XXXX 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 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 2018-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MO)

JCPenney master card credit card has been the stress of me first they have fought with me over saying they were not recieving my payments & this was 5-8or more times its screwed up my payment history, got lots of certified mail, calls at all hours it has been a nightmare. Ive never disliked a credit card some much & they have not even worked with me only fought with me & treating me like I was lying & got threats they I would be sued more than once. This has truly stressed me out & made it hard to sleep, charges were made on this card that werent even from me & they kept not helping so I didnt know what I could do but I just wan na fix this mess once in for all. My phone number is XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " updated '' after your investigation. Now I am wondering if you really did an investigation at all. The information is the same. What exactly did you update? I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (FL)

AmEx continues to try to collect debts XXXX in XXXX XXXX XXXX in a somewhat backhanded way, which Im not sure is legal. I filed for XXXX XXXX XXXX in XX/XX/2013 and it has finally dropped off my credit report. I was able to continue to use an AmEx Corporate card through my employer but had to jump through some hoops to get my bosss boss to confirm that my employer would be liable for the charges and they limited the line of credit I could use. 

Fast forward to last week when I decided to apply to see if they would issue me a personal card and I got declined. I called and asked if it could be reconsidered due to my circumstances for filing bankruptcy ( a failed furniture store that my ex-wife started with her sister and I was foolishly the only person liable on the AmEx card it was around $ XXXX and my divorce, change of jobs with less pay, etc ) as well as my current credit score of XXXX ( this was the score that AmEx provided via their Web site for my corporate card they include a credit tracker ). I was told that they could not issue me a card and my account still shows a balance of {$40000.00} and if I paid that off, I could reapply but there was no guarantee that I would be approved. And they made it clear that if I did not pay it off, I would not be able to be issued a personal card. 

This seems contrary to bankruptcy laws, or at least the intent of the law that creditors could no longer attempt to collect a debt XXXX in XXXX
Consumer complaint received 2023-02-08
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. (MO)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo continues to charge the PMI on my mortgage even though I asked to have it re-evaluated due to my home being past the 5 year mortgage term and having enough equity. They said they only do that if I refinance. It was said that the PMI was to adjust itself. I also think I was charged fees for when I asked for XXXX relief that should have not been charged. The XXXX relief process was not explained and I ended up paying a large lump sum after the 3 months was up. Im general I think Wells Fargo is not helping mortgage clients.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
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. (NC)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

CHASE XXXX XXXX XXXX XXXX XXXX, IN XXXX Questions? 
XXXX www.chase.com XXXX XXXX XX/XX/2023 Update : Date of Inquiry : XX/XX/2023 Claim Number : XXXX Card ending in : Claim related to Account ending in : XXXX We have updated information about your claim Dear XXXX  We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 
If you have questions, please call us at XXXX. We're available Monday through Friday XXXX XXXX to XXXX XXXX XXXX or Saturday XXXX XXXX to XXXX XXXX XXXX 
Sincerely, Customer Claims Department Enclosure 1The term " account '' is used to represent both deposit accounts and prepaid accounts. 

Disputed Transaction ( s ) : Transaction Description Date XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX payment to XXXX XXXX : XXXX XXXX payment to XXXX  XXXX : XXXX XXXX payment to XXXX XXXX : XXXX Merchant Description ( if available ) Transaction Amount {$400.00} {$500.00} {$500.00} Disputed Amount {$400.00} {$500.00} {$500.00} On XX/XX/XXXX, I had my phone and wallet stolen. The individual used my facial recognition while I was asleep to access my device and log into my accounts and transferred funds using XXXX. I filed a Report with the XXXX. After receiving report I submitted to the bank as proof to show that this was not me and that I didnt approve these transactions. Chase still refuses to add the money back to my account after to attempts. In the mean time the XXXX has issued a subpoena for these fraudulent transfers and the bank still refuses to recognize theses multiple transactions as fraudulent.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Credit determination — 
Company: Army and Air Force Exchange Service (NY)

XX/XX/XXXX I sent for a credit report. When I got the credit report it stated that my balance with Military Star Credit Card was {$6600.00}. Since I never charged anything around that date ( XXXX XXXX ) I was sent to the Military Star Fraud Dept. The fraud rep told me that he would be sending me copies of the transactions and I would be able to prove, with a signed photo ID, that the signature was not mine. That was the last I heard from Military Star. No mail. No calls. nothing. My son got very sick XX/XX/XXXX. I had much more to do than worry about Military Star. My son, age XXXX, lost his battle with XXXX in XXXX XXXX. In all my new credit reports I noticed that I had an outstanding balance with Military Star for {$6600.00}. It also said " account closed '' " no payment due ''. In XXXX of XXXX I called Military Star to ask about this posting on my credit report. They took the opportunity to update my contact info. I heard nothing from them. In XXXX of XXXX my credit scores drop by more than XXXX points. In checking my credit card I saw where Military Star had listed my account as 90 days overdo. Please keep in mind I had heard nothing from them. I called Military Star, sent to the fraud dept. where I was told to call my congressman and I was obligated to pay the outstanding balance of {$6800.00}. If I did not they would garnish my V.A. XXXX payments. I spoke to a XXXX XXXX XXXX ( head of the fraud dept. at Military Star ). He stated he would investigate my allegations and get back to me. Of course, he did n't. I waited several days after trying to contact XXXX XXXX and one of his assistants that XXXX XXXX had prepared but never sent to me. The assistant told me that XXXX XXXX had decided that my fraud claim was not valid and I had to pay the {$6800.00} that was charged fraudulently. No reason. No explanation. I then sent an e-mail to the fraud dept. stating I was XXXX, on a XXXX, the day the XXXX where made. From XXXX to XXXX XXXX XXXX did not try to communicate with me by any of the means they could have contacted me with. I tried XXXX XXXX and they too ignored me. Due to the late payment on my charge account in ( with Military Star XXXX XXXX XXXX ) I was listed as 90 days late on my payments. Again I was never told by Military Star that I owed this money ( no Billing statements, no phone calls. After I called Military Star I was informed that if I did n't make the payments my Veterans Comp would be garnished throuh my months deposit of my Veterasns Admin XXXX Comp. I paid what I could and transferred the balance to another credit card. No amount of reasoning with Military Star yielded a result. I was not aware of your services until yesterday. I hope the can get some positive result. My name is XXXX XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX, SS # XXXX. I am a XXXX service W/connected info at I was would proceed I always contacted person.COULD with no certain outcome. # contact me at XXXX. Thank You XXXX XXXX
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

On Friday, XX/XX/2022, I was in the XXXX of XXXX, XXXX doing some shopping. I withdrew XXXX Euros from an ATM machine. Realizing I needed more money to leave tips for the housekeeper, etc. at the villa we rented ( we were departing the morning of XX/XX/XXXX ), I attempted to withdraw more funds from the same machine. I performed the action and attempted to withdraw another XXXX Euros, but the machine wouldnt expel the cash and the alert on the screen of the machine stated that I had reached my limit of withdrawing funds. Later that evening while my family and I were at dinner, I attempted to withdraw funds ( XXXX Euros ) from another machine in XXXX. That machine also would not disperse the cash and another message was on the display screen stating that I had reached my maximum daily withdrawal. I was under the impression that the reason I couldnt withdraw the funds at the machine earlier in the day was because that particular ATM had a limit and I passed it. I didnt realize that my bank account was limited to a daily maximum for withdraw. 

When I returned to the US, I checked my account balance and noticed that my account had been debited for the two attempts I made in XXXX. I called Customer Service and made my complaint. The complaint was denied. I called again to dispute the decision, and my account showed a provisional credit. I assumed the matter had been settled. Upon checking my balance again, I saw that one of the provisional credits had been reversed. 

I would like to reiterate that I did in fact ATTEMPT to withdraw those funds while I was in XXXX. However, the machines DID NOT DISPERSE THE CASH. I am not and never was in possession of the {$790.00} that was debited from my account.
Consumer complaint received 2023-02-08
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. (IL)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.