davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (AL)

5. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told the Experian, XXXX, and XXXX to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NY)

The company in question is Chase Card Services, XXXX XXXX XXXX, XXXX, DE. XXXX My credit card expired in XXXX. The replacement card was either not sent or was returned due to my private mailbox closing on account of the COVID-19 crisis. ( The Chase phone jockeys have given me conflicting information as to which it was. ) Because I was in isolation and not checking my mailbox, I only found out that the replacement card had not arrived in late XXXX. On XX/XX/XXXX, I called Chase to inform them of this, and was told that the replacement card would arrive within five business days. When the five business days had passed, on XX/XX/XXXX, the replacement card had not arrived. I called Chase to inform them of this. I was asked if I wanted a second replacement card sent by overnight mail, and assured it would arrive the next day. I agreed, on the assumption that it would be a second replacement cardnot a new account number. The next day, XX/XX/XXXX, the original replacement card, with the original account number, arrived. But when I called to activate it, I was told I could not do so because of my call the previous day, and that I had to wait for the second replacement card. 

The second replacement card only arrived four days later, XXXX XXXXand with a different account number. I refuse activate the new account. I have had the old account number since the early XXXX, and it is on file at countless places where I do business. Having to change it at every one of those will create endless chaos in my lifeand it is completely gratuitous : the original replacement card actually arrived BEFORE the new one, and has been in my possession since XX/XX/XXXX. 

Additionally, the notion that my call of XX/XX/XXXX alerting them that the first replacement card had not arrived meant that a new account had to be created is contradicted by the fact that I had PRECISELY THE SAME EXCHANGE ON XXXX XXXX the replacement card resulting from that call was with the original account number. 

My account was not deactivated with my informed consent. I demand that my original card number be reactivated immediately. As of today, XX/XX/XXXX, it has been in my possession for 10 days. I have been without a working credit card since XXXX. This is an absurd situation, and I am not accepting it. 

Yours, XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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)

The following hard inquiries were submitted to my credit report. 

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

This XXXX XXXX XXXX will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. 

This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

tried several times to open an account using their web application of CITI bank. I am opening a checkings account. I kept getting a rejection. 
I was asked to call and have a person directly open the account which I did. I received a welcome package for my account. After filling out the verification forms for my account I got no other word from the bank. I decided to call the bank to find out what is going on with the account only for them to tell me that the bank account has been set for closure without providing me any further information. I would like to get some explanation for this behavior but I am convinced this is because I am of XXXX nationality because I know my credit score is Excellent
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

On XX/XX/XXXX, I paid off my student loans. I made this in one payment of {$80000.00} and one for {$48000.00}. I then submitted a duplicate {$48000.00} and told them not to process the duplicate. They processed {$120000.00} and I received email confirmation of that. One account of mine was debited for {$80000.00} and the other for {$48000.00}. The payments showed up on my ledger as processed, and also showed that Aidvantage reversed the duplicate payment for {$48000.00}. My ledger went to zero money owed. 

On XX/XX/XXXX, I was informed by Aidvantage that I had successfully paid off all my student loans, in a letter saying, " Congratulations on paying your loans in full. 
We received your final payment on XX/XX/XXXX. '' My ledger showed zero, and I separately received email confirmation they received {$120000.00}. 

On XXXX ( in a letter dated XXXX ) I was informed that a payment of mine was not processed on XX/XX/XXXX ( ten days prior to being informed that my loans were totally paid off ) due to customer revoking authorization for a {$29000.00} payment. However, the full {$120000.00} had been debited from both my accounts, and the {$29000.00} has not been returned to me on XX/XX/XXXX. On XXXX ( in a letter dated XXXX ), I was informed that a payment of mine for {$19000.00} had been returned to me on XX/XX/XXXX. 

On both occasions, NEW entries on the ledger showed up for XX/XX/XXXX showing payment reversal, which NEVER occurred. I NEVER had any money returned to me and my bank accounts were debited for the full sum of my accounts. In fact, the XXXX XXXX account they claim they reversed the payment to was closed the day after payment confirmation was received, so I don't even know how they would have reversed the payment : and they aren't providing any explanation of where they supposedly sent it. 

So Aidvantage has taken the full {$120000.00} from me but is claiming that I still owe {$48000.00}.
Consumer complaint received 2024-08-12
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX * XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXXXXXX with account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collection, or hard inquiries as reported. The aforementioned accounts, collection and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/2023.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NJ)

I had a vendor rob me of my account for XXXX  months, taking out XXXX x 's the money each time I went in there. I did not realize this until my bank notified me. I began an investigation with my bank. They did absolutely nothing for me. So then I had to file another investigation with the bank. I spoke to customer service reps for the past 8 months, XXXX directors of the bank and to no avail, they did nothing. I decided to close my account out by going to the bank in person. The teller closed the account in the amount of {$1100.00}. The bank is now sending me letters that the account is closed as of XX/XX/XXXX. I got a letter today stating I owed them over {$2000.00}. I am unaware of where the additional {$800.00} is coming from. I have talked and talked to the bank with no resolution. They not only dismissed my {$800.00} which was stolen from my account but now they are charging me and additional {$800.00}. If I close the account out and got a check for {$1100.00}, why is the bank now charging me over {$2000.00}? Please help me.
Consumer complaint received 2023-08-14
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-14
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. (TN)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (FL)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-07-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I am writing to file a formal complaint against USAA Federal Savings Bank regarding their failure to respond to a billing error I reported on my Credit Card billing statement on account numbers XXXX and XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statement for the certificate of indebtedness on account XXXX and the XXXX statement for the certificate of indebtedness on account XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to USAA Federal Savings Bank on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what USAA has done is closed one of the account ( s ) XXXX and continued to report negatively on my account. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves USAA Federal Savings Bank 's unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to USAA Trust Indenture Agreement. I kindly request the CFPB to investigate this matter and ensure that USAA Federal Savings Bank complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect consumers and hold USAA Federal Savings Bank accountable for their failure to address my legitimate concern.
Consumer complaint received 2024-08-12
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'm writing to communicate my anxiety in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and preventing my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening quickly. I generously demand that you lead a careful examination concerning the detailing of every XXXX of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2023-08-14
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.
Consumer complaint received 2023-08-14
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.
Consumer complaint received 2023-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2 (AZ)

The debt collecting company sent me a XXXX ( cancellation of debt ), which they filed with the IRS on XX/XX/2020. My 2020 IRS Transcript has proof of this cancellation. In the Identifiable Event Code section of the XXXX, the debt company wrote " By Agreement '' but I did not agree to any of these decisions and if there is an agreement, I request to see the proof. 

This account is reporting on my XXXX Credit Report as a collection item. It is accruing interest and fees and has a balance of {$24000.00}. All of which should be reporting as {$0.00} because of the debt cancellation. This matter has been affecting my credit, my credit score and my personal life because I have not been able to get approved for credit. 

This same account is reporting as a {$0.00} balance on my XXXX Consumer Report. The inaccuracy of the reporting is a violation of the Consumer Reporting Act. I want this account and its entirety deleted and removed from my credit report immediately. Again, the information is incorrect, and it is also fraudulent behavior because it was listed as an agreement. Please verify this debt and remove it from my consumer report as soon as possible to ensure that I am being treated fairly in my pursuit of happiness under the US Constitution and the Fair Credit Reporting Act. 

I have reached out to the company, but the gatekeeper would not allow me to speak with the supervisor or manager. Please help me correct these errors. 

( In the attachments you will see my XXXX Credit Report with the balance showing {$0.00}. You will also see the IRS Transcipt showing a XXXX Cancellation of Debt for this matter with the balance showing {$0.00}. You will also see 3 screenshots from my XXXX XXXX XXXX XXXX which is connected to my XXXX Conusmer Report and shows the incorrect balance of {$24000.00}. )
Consumer complaint received 2022-11-10
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. (WI)

XX/XX/2022 I sent XXXX a dispute letter demanding to remove XXXX accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and Equifax and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.