davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX. 

First Progress : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX Bank : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XXXX XXXX XXXX : # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Experian consumer report reflects XXXX different charge off dates with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on several different dates as charge off dates when it should only reflect XXXX charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that XXXX XXXX has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if XXXX XXXX has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for XXXX XXXX XXXX XXXX Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Consumer complaint received 2023-10-28
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: Fay Servicing, LLC (NY)

I am receiving information on MY loan solely through disputes & credit reports. Fay refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SYNCB/TJX CO Dual Card Bank XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies above have not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXXXXXX XXXX Balance {$XXXX}
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

According to the Mohela rep I spoke to today ( XXXX ), Mohela received the FSA communication stating my remaining loans are eligible for discharge on XX/XX/XXXX, and discharge will be within XXXX business days from that date. However, I have spoken to at least two people who also received the letter on XX/XX/year>, and their loans have already been discharged from Mohela. My effective date of forgiveness is XX/XX/year>, and it is now XXXX. Seven months have passed and in the interim I have made several calls to Mohela, each time with different answers. 

My immediate complaint has to do with conflicting information. Mohela representative on XXXX call stated that my forbearance ends on XX/XX/XXXX, and my next due date in XX/XX/XXXX. However, the Mohela website on XXXX says my next due date is XX/XX/XXXX, and my forbearance ends in zero days. The representative could not provide a reason for the conflicting information so I am not sure what to believe.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, EQUIFAX AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-08
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: EQUIFAX, INC. (OH)

Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank you.
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

Dear to whom it may concern, I have reached out to National Credit Systems about an alleged debt. I asked them to validate it and provide sufficient information pertaining to the debt. They refused to honor my request. The account is providing me stress and affecting my credit score and I do not know where the debt originated from. 

Account Name : NATLCRSYS Account Name : XXXX The information about this account is reporting inaccurately especially date of last activity ; date reported ; and account status. Based on FCRA 611 ( a ) ( 7 ) I have the right to request for valid information about debt being reported on my credit report. The failed to provide me proof of the alleged debt ; the original creditor information ; payment history ; contractual agreement with my signature and proof that they are able to collect debt in my state.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is additional letter that Im attaching to the current claims that are pending investigation. Please attach this document for Claims ID : XXXX ( {$11000.00} ), Claims ID : XXXX ( {$8900.00} ), and Claims ID : XXXX ( {$10000.00} ) The charge is in error because the items werent delivered. I ordered XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, and XXXX orders of the XXXX XXXX XXXX XXXX on XX/XX/2023, exclusively release in XXXX. The seller promised me to deliver the items to me on XX/XX/2023, but I never received the items. Upon checking with my seller, my seller informed me that the items she received to her house were not the cups that we were expecting it to be therefore my seller agreed to send me the refund on XX/XX/XXXX because she called me stating that the cups, she received were not the cups that I placed the orders for. She made me look like a fool into thinking that all my orders were fully secured. For 2 months, she keeps reassuring me that everything was secured and on the way. I had a feeling that she did not secure because I asked her why the package barely ship now from the other province when the release was end of XXXX. She did not reply. I have done business with my seller multiple times, and this is the first time that she has not provided me the merchandise. She even has my bank information to process the refund, so I dont see the hold up from her. 

I am requesting that the errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have tried to file chargeback claim with my bank per XXXX instruction on XX/XX/2023 and today i got the results and they are denying my claims because they don't have the recovery right which is what i do not understand because XXXX clearly stated that they will help to get the funds back when my bank XXXX Bank of America ) contact XXXX and only to find out that they never did. They just contact XXXX 's bank which is XXXX XXXX. 

I absolutely do not feel protected, depositing my money with Bank of America anymore. I will be closing my account effective immediately because of the way Bank of America has been handling dispute claim and it is truly disappointed. I've been a value member for 12 years now and this is the second time i filed dispute and Bank of America decided AGAIN not in my favor Enclosed are the copies of documentation ( screenshot from my seller ) stating that she agreed to send me the refund supporting my position and experience. I will be attaching written statement from XXXX that they have my back and will work with my bank. Please correct the error on my account promptly
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

In XXXX, we purchased a Vacuum from XXXX XXXX XXXX XXXX, but upon receipt of the item, we found a missing vacuum attachment and sent an email to the company to request a return. After several phone call attempts without any connection, we sent several emails, but the merchant never responded. 

So we sent the items back to the address on the original package along with the order information. Upon the items being returned to the merchant 's e-commerce center, we sent additional emails to confirm their receipt and refund status by providing the detailed return tracking number, but still no response. 

After waiting for about a month for their response, on XX/XX/2023, we decided to open a dispute with our credit card company, Chase Credit Card. By the end of XXXX, we received a letter from the Chase dispute department indicating that they had to close our dispute because they didn't see the evidence that we returned the item back to the merchant. So we sent a written letter to request to re-open the dispute ( please see the enclosed written letter copy ) with the detailed return tracking information along with our emails to merchant showing our attempts to resolve the issues. 

However, today XX/XX/2023, Chase dispute department again closed the case indicating that we did not return the item despite all the return supporting documents.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IA)

I contacted EdFinancial on XX/XX/23 to change my payment plan from income driven with a monthly payment of XXXX XXXX/month to the graduated plan XXXX XXXX/month. I was told by the customer service representative that my payment plan would be changed to the graduated repayment plan. I was told that there was no additional information that I needed to supply and no forms that I needed to submit. I logged onto my account over a month later XX/XX/23 to see that my repayment plan had still not changed. I tried to reach out to customer service again only to find out that wait times were 6 hours. I submitted a complaint on EdFinancial 's website as well as with Federal Student Aid at that time and still have not received any correspondence. I logged back onto my account on XX/XX/23 to see that my payment had finally changed to the graduate payment plan with a monthly payment of {$110.00}. I updated my auto pay information on XX/XX/23 as I thought the issue was solved. I logged back on today to see that my repayment plan has been changed again without my consent to income contingent with a monthly payment of {$320.00}. I tried to call again today to talk to a representative as there is no other way to apply for the graduated program and wait times are 10 hours. I submitted another complaint today however I find it very frustrating that I am not able to talk to anyone regarding my concerns and that my repayment plan has again been changed to an income based repayment plan.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

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 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ACCOUNTS IS NOT MINE *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
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

according to the fair credit reporting act, there's creditor has violated my right on the 15 USC 1681 section 602 stage I have the right to privacy 15 USC 1681 section 604a section. Also states of consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am currently on vacation in XXXX. On XXXX  XX/XX/19 I tried using my card and it wasnt working. I tried to go to an ATM and that as well did not work. 

I called Chase to see what was going on & they informed me they have frozen my account and in 10 days will close my account. I have done nothing wrong at all but thats besides the point. They gave me no reason as to why. 

However, I have no access to any of my funds & I am stuck in XXXX with no money. They said the account will close in 10 days and after that I will receive a check in the mail. 

This is the only account I use. I dont have access to any money anywhere else & I am currently stuck in XXXX and have no money for food, for a place to sleep or a plane ticket home. 

I requested they let me transfer my money to another account i have, to my mother or send via XXXX XXXX or something similar. They told me no for everything. I dont know what to do. I am literally stuck in XXXX with no access to any type of money. I feel I just got robbed and thrown on the street and I did nothing wrong. I am scared & I dont know what to do ...... They can close my account thats fine but please allow me to access my money so I can get home..
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

For the 4th time ( if not the 5th ) Chase allowed someone holding a fake ID to withdraw cash from my checking account, despite the fact that I've asked the Bank multiple times to protect my account by adding a flag to my account indicating historical fraud activities, adding a verbal passcode for counter services, and changing account number as suggested the banker -- - none have worked. Below is the timeline : On XX/XX/XXXX, someone withdrew {$3800.00} using a withdraw slip from my checking account. Discovered on XX/XX/XXXX and called Chase, filed a claim with claim number XXXX ; Followed up with Chase at the beginning of XXXX, met a banker at the branch and showed my ID ; Called Chase on XX/XX/XXXX for status update, was told it is still in investigation, and I needed to wait 5-8 business days ; Called Chase XX/XX/XXXX again for status update, was told I need to go to branch again for submitting photocopy of my ID, then I need to wait another XXXX days ; Visited Chase branch XX/XX/XXXX, asked a banker to copy my two forms of ID, was told it will take UNKNOWN period of time for them to complete the investigation. I told the banker that " XXXX business days '' is what I heard from the phone. The banker then ask me : who told you XXXX business days? do you have the name of the person who answered your call? 

I have to file this complaint on the : 1. the lengthy investigation period with XXXX communication. 
2. lack of controls ( if exists ) to prevent fraudulent activities on my account. 

Checking account number : XXXX Asking for official explanation on : 1. Why didn't Chase bank prevent such incident from happening again and again? 
2. What exact controls do we have as a Chase customer to prevent cashing from the counter? As I mentioned above, " adding flag '' and " adding passcode '' did not work at all, although these controls were suggested by a Chase banker. 
3. What took so long for the investigators to complete their work? My two forms of ID have been provided to Chase back in XX/XX/XXXX when the 1st incident happened.

4. Why there was XXXX communication from the Bank during the investigation period? No email, no mail, no messages in the Chase app. 

Hoping from hearing from the Bank soon. Thank you for your assistants in this matter.