davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I am writing to express my disappointment and frustration with a recent experience involving Chase 's new " My Chase Plan '' service. 

On XX/XX/2023, I inadvertently enrolled in the " My Chase Plan '' service for a charge line amount of {$6000.00}, with the transaction date being XX/XX/XXXX. My intention at the time was to explore this new service, as I was curious about its features. However, I quickly realized that the navigation process lacked the option to revert to previous steps or cancel actions. This unfortunate sequence of events led to my unintended enrollment and subsequently, a fee of {$31.00} was charged to my account as of the XX/XX/XXXX month closing statement date. 

Understanding the gravity of the situation, I promptly reached out to Chase customer service within minutes of my accidental enrollment in " My Chase Plan. '' I conveyed to them that I had mistakenly chosen this option and kindly requested its cancellation. It is important to note that this transpired shortly after XXXX XXXX  XXXX XXXX. I immediately provided evidence of my actions, having taken a screenshot of my selected option, clearly indicating that my request to avail the " My Chase Plan '' option was under review. The status displayed as " in-process '' at precisely XXXX XXXX. 

In my plea to customer service representatives, I emphasized the urgency of my situation, beseeching them to revoke the unintended enrollment and eliminate any associated fees. To ensure absolute clarity, I executed a full payment of {$6900.00} on XX/XX/XXXX at XXXX XXXX, two days prior to the due date. This payment included the {$6000.00} charge, effectively nullifying my initial request to utilize the " My Chase Plan '' service.

I am reaching out to you with the hope that this matter can be resolved amicably and in a manner that maintains the trust I have in Chase as a financial institution. It is my sincere belief that a fair resolution can be reached, wherein the erroneous fee is waived and the accidental enrollment is rectified.

In my opinion this is very deceptive and fraudulent scheme to fool unsuspecting customers. If they don't make any amends to this, i'm sure more customers will be impacted by this deceptive practice and lose trust with this company and financial institution as a whole. 

I appreciate any attention to this issue and anticipate a favorable resolution. 

Regards, XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

On XX/XX/XXXX, yesterday, I noted a email from a collection agency saying I owed money to XXXX! I believe the amount was {$370.00}. 
I told them I have never I used XXXX I use XXXX for many yrs and XXXX XXXX! 
Never XXXX This morning I noted my credit score dropped XXXX points. 
I spoke to XXXX agent who has also started a claim regarding this! 
Please review soon and let me know the results! 
I am XXXX yrs old and I own my own business and have never used XXXX! 
I try very hard to keep a good credit report. 
Thank you for your help in getting this resolved! 
XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts belowhas 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 XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-07
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

My credit card debt was already settled with Fifth Third Bank on XXXX of 2018. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing the below disclosure, FIFTH THIRD BANK, NA still has not deleted/removed the old and closed information from my report : FIFTH THIRD BANK, NA Acc # XXXX. 
Late Payments : XX/XX/2018, XX/XX/2018, XX/XX/2018. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NC)

On XX/XX/XXXX I was transferred from XXXX to MOHELA. I have been on income based repayment plans since I started repaying my loans in XXXX. In XX/XX/XXXX, I was placed on PAYE. In XXXX of XXXX, I updated my income for PAYE through MOHELA and was approved for a payment of XXXX. I recently applied for the SAVE plan. While applying, I noticed they placed my account on the standard LEVEL plan, and my payment is set to be XXXX. They did not inform me of this change. I called, they are not sure why this happened and claim they are unable to put me back on the plan that they approved me for in XXXX of XXXX. They now claim I am in forbearance until the SAVE application is approved, but I was not informed of this, nor did I request this. I still have no evidence that I am in forbearance.
Consumer complaint received 2023-09-20
Product: Credit reporting 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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-07
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)

Equifax mixed my Report with someone else. 

Wrong name on report ( I keep disputing and they take it off only to place it back on my report ) I sent them a copy of my Drivers License and Social Security Card. Still adding and removing them adding wrong name. 

Wrong Social Security Number Asked them to investigate and remove inquires I did not authorize. They refuse and keep sending me some generic response an hour later saying that they can not remove inquiries They are in violation of FCRA XXXXection 623 and Regulation V and FCRA 611. I have disputed 2 times with same generic response which tells me they are not investigating. Failure to Investigate another violation of the FCRA Section 1681s-2 ( b ) ( 1 ). 

I have also sent them a letter disputing several accounts that are not mine and part of an identity theft case I have with FTC. 

I have called several times only to get looped around to customer service who gives me fake names and fake employee numbers and when I follow up they wont transfer me to special handling or anybody in fraud. This morning somebody told me that they were in fraud after they told me that they were selling a product then when I asked to speak to special handling they refused to transfer me. Spoke with XXXX # XXXX and XXXX XXXX. 

The inquiries I did not authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On The accounts that are not mine and part of the identity theft case are : XXXXXXXX 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 I have uploaded my tracking and mailing where it shows that a representative from Equifax received the documents.
Consumer complaint received 2023-08-07
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. (KY)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 2023-07-20
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. (OH)

I have disputed my address information on my credit reports with XXXX, Equifax, and XXXX. I have only one current address that should be on my account and all the other addresses should be taken off. I have filed many disputes even to get my credit reports correctly updated. My student loan accounts on my credit are numerous for one company XXXX. When I should have only one account for my student loans. But its spread out on my credit report. I want that fixed as well. Lastly, I have disputed companies on my credit to verify that the accounts are involved in litigation and once their investigated it still says its correct but its not most of the accounts are involved with litigation and should have been removed from my credit but there still there. These companies or XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, and the XXXX company. My current address is on my license.
Consumer complaint received 2023-08-07
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)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-20
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-09-20
Product: Credit reporting 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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these accounts 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
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 I contacted Bank of America to report fraudulent transactions that were charged to our account and I waited over XXXX hours on hold and nobody answered the phone- I was on hold for an indefinitely. The next day I sent an email to XXXX XXXX, Vice President of Bank of America Small Business, and he did not respond to my email. I sent two more subsequent emails on Monday, XX/XX/XXXX ( three total ) to XXXX XXXX explaining that we have fraudulent charges on our account and that our card is compromised, with new fraudulent charges hitting our account almost daily, but nobody from Bank of America was responding so we could not close our account to stop these charges from occurring. He ignored all three emails submitted. I then called him XXXX times on his office number and he did not respond to those calls either. I called the main XXXX Department phone number again on Monday XX/XX/XXXX to try and report this same issue, but nobody picked up after XXXX minutes on hold ( having been on hold already for XXXX hours on XX/XX/XXXX ). 

Bank of America 's non responsiveness is directly affecting our account and they are perpetuating the fraud which is plaguing our account by failing to take action - or even respond to - our fraud complaints.