davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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: EQUIFAX, INC. (MO)

XXXX  and Exquifax are reporting my Credit Score as XXXX and it should be 640. The reason for this error is they Dicriminate again XXXX Americans. If I was XXXX my Credit Score would be XXXX with the same information. XXXX  and Exquifax are used by XXXX XXXX  Companies to Discriminate against XXXX Americans. I want a Full investigation into this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I have attempted to arrange payments that are based on my income and I have not been able to. I am currently only working 2 days a week and I am unable to pay the payment amount requested. The company has only given 3 months forbearance during this pandemic yet interest rates continue to accrue.
Consumer complaint received 2019-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-Navients XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 

There were/are multiple notifications " by the alleged student loan servicer-Navient for overpayment from my bank account ''. Yet the alleged student loan servicer-Navient continues to take this money automatically from my bank account and continues to record non-payment of Student Loan with late fees. 

The alleged student loan servicer-Navient also reporting Fraudulent Loan Balance of this private student loan to all Credit Reporting Agencies such as XXXX XXXX and  XXXX XXXX.
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc (WA)

In XX/XX/XXXX I was treated for XXXX XXXX at XXXX XXXX. I received one bill  for this visit from XXXX. It has been determined that this bill was paid. However, I still discovered that a collection of {$590.00} from this vist was put on my account on XX/XX/XXXX. I did not pay this because I believed I already had. Later on, I disputed this collection because I believed this debt was paid on XX/XX/XXXX. However, on XX/XX/XXXX I was informed by Puget Sound Collections that this was a separate bill from a XXXX XXXX XXXX XXXX, not the XXXX XXXX. The Collection agency claims to have sent a notice to me to XXXX XXXX XXXX in XXXX, WA. However, I am completely unsure of where they got this address from. At the time of this hospital visit, I was living in XXXX, WA which I had been since XXXX, XXXX. This can be seen through my personal information from the hospital and an addition to a lease agreement. The XXXX XXXX  was able to have my address, because they sent my a bill and it was paid. I did move shorlty after this visit, but it was not to a XXXX XXXX . You can see I moved out of XXXX in XX/XX/XXXX. I moved to XXXX, WA but our mail was forwarded to XXXX XXXX XXXX. Again, I do not know where XXXX XXXX XXXX came from, but it was not the correct address to reach me at and it is not right that this is negatively affecting my credit when I did not have the opportunity to pay this in a timely manner. I did not provide this address and it is not an mailing address connected to me.
Consumer complaint received 2020-06-08
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: DISCOVER BANK (IL)

I am a victim of Identity theft/fraud. 
I have notified this Discover Bank several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I was sold on the offer of 0 % apr promo, and never received any emails or mail statements. Right after I was diagnosed with XXXX and was hospitalized for most of the time, After 3 months when I called the credit card company to find my status. I realized that I have not been making payments, since I was under the impression that I was on autopay as with all my cards the minimum would be automatically deducted from my account and Id be able yo utilized the promo. With out paying any interest. But not only the charged interest each month, they also reported me as a late payment to credit bureaus, tarnishing my credit for the first time in my life and at a time that could really hurt me financially since I needed to refinance my mortgage. After many aggravating phone calls with the managers they refuse to do anything to remedy the situation or reverse the fees and interest charges that were applied which should have never been applied since I was sold on the idea of zero APR. 
At the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnishedat the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnish credit report. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and Advertizing all their clients to sign up with them. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and advertising all their clients to sign up with themAt the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried. At the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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.

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 informationisinaccurate.
Consumer complaint received 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

A forbearance was granted to me on XX/XX/20 due to COVID-19 that was lasting through XX/XX/20. This forbearance allowed me to withhold my payments up until that time. In XX/XX/2020, I received a notification that my credit score decreased substantially due to having a late payment report listed for my student loans. This has impacted me greatly in an endeavor I am currently undertaking that is determined by my credit score. Please help me correct this and also let me know if there are any steps that can be taken for the impact this has had on me ( i.e. compensation ).
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (OH)

I am currently trying to link my checking account at PNC to my XXXX stock account so I can use as an investment and I received a screenshot that said " PNC has made a change that prevents you from being able to link your accounts '' and suggested that I file a complaint in order to get that fixed.
Consumer complaint received 2020-06-08
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: BARCLAYS BANK DELAWARE (MA)

Dear Credit Reporting Agency : I am an XXXX XXXX XXXX. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXXBARCLAYS BANK DELAWARE DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Consumer complaint received 2019-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (IL)

I took out my loan on XX/XX/2019. I have since found out that their loans are not legal in the State and not licensed to do business here. I have revoked my ACH withdrawal authorization and notified them to not contact me via phone. They have texted me since.
Consumer complaint received 2019-12-13
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: U.S. BANCORP (GA)

I've disputed alot of different errors on my credit reports including company Elan Financial which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also XXXX has been reporting late payments on my XXXX  report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have formally requested that XXXX  XXXX XXXX  XXXX validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.
Consumer complaint received 2020-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I reached out to Equifax and revealed my complaint about not having this vehicle. I requested them to prove the signatures on the contract loan if any. I also see that the company has shifted to another company by the name of XXXX XXXX. I need this item removed from my report immediately. I have included the letter with all the necessary information.
Consumer complaint received 2019-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CO)

Us bank is not accepting fraud reports. I have to accept activation before speaking with anyone. Us bank opened an account open my name, fraudulently reported, without my consent. I have credit freeze in place, which usbank apparently ignored,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In the XXXX to third quarter of XXXX I contacted the CFPB because XXXXXXXX XXXX Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-11
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. (PA)

I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

Chase denied me XXXX bonus points when I applied for Marriott Visa. 
a. Chase bonus points ' terms & conditions depend on third party transactions. 
b. Chase failed to set up a procedure to verify third party transactions. 
c. Chase failed to verify third party transactions.

d. Chase failed to accept my Marriott account transaction for verification. See attached My-Marriot-Activity.pdf .. 
All of the above made terms & conditions complicated, cumbersome, and not verifiable. 
.. 
I haven't received the bonus points from any third party, ( see my complaint on XXXX XXXX XXXX ). 
But because of a, b, c, d of the above Chase denied me bonus points. 
So, I committed to another credit card.