davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KS)

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I fell victim to a multi-layered scam operations run by XXXX which involved me making deposits for a total amount of {$47000.00} from my Wells Fargo account to fraudulent investment firm ( s ). At no point did Wells Fargo flag any transaction or warn me of potential scam activity.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

I sent {$310.00} to wrong person using Chase QuickPay service. Although name was correct but phone number was old for the recipient. 

I was under the impression that both phone number and name will be authenticated. 

Because when I make similar transaction at XXXX  XXXX XXXX, it checks for name as well.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (IN)

I am currently in my XXXX year working full time at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried repeatedly over the years to get in on this program. Ive contacted them when I couldnt even access my personal student loan information for long periods of time. Then I couldnt figure out how to apply for the program or what to do. So many, many times I could not get through to anyone as Id be on hold for literally hours. Then the few times I did speak with someone - I was always told my better option was to put my loans in forbearance for the time being then sign up for the program after the forbearance was up. The most recent that this occurred was during the COVID pandemic. But that was not the first time. That was probably the tenth time that had happened, at least. My kids thought I didnt know what I was talking about because they had called and had someone super helpful walk them through step by step in the process, follow up with them to make sure everything got set up, etc. Then on a few occasions Id had them with me when I tried to call and they realized I wasnt exaggerating or making excuses- I literally couldnt get through and when I did it was suggested I just put the loans in forbearance again. My loans now, with interest over the years, have probably tripled in the amount owed ( Im not sure exactly- bc I was never able to get exact information so many times ). In the meantime, my husband died ( very unexpectedly ) and now with only my income- I barely am able to pay basic living bills month to month ( living expenses, insurance and taxes take up almost all of my pay ). Now the COVID forbearance is over and the only options Ive now been given ( and I honestly dont even know who the company is anymore thats servicing the loans- I thought it was still Navient but apparently not? ) are payments that are more than half of my bring home pay. Its so frustrating and stressful and impossible to figure out. And I accept a lot of the responsibility for taking out the loans and not paying on them for so long. But now I cant get any loans due to the high debt, Im XXXX XXXX XXXX and I dont see any kind of doable resolution. Its just that for so long I tried to get help and it wasnt available its made the situation that much worse.
Consumer complaint received 2024-09-14
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: DreamSpring (FL)

I contacted the following companies regarding the unauthorized inquiries that are currently being reported on my credit report and asked for them to be removed. According to the FCRA these unauthorized and unverified accounts must be removed. They denied my request and ended the call.
Consumer complaint received 2024-09-14
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 recently submitted a complaint here about TransUnions MISMANAGEMENT OF FROZEN ACCOUNTS. Their response was knowingly deceptive. I can not unfreeze my account online - this has been the case for several years. TransUnion is aware that this is occurring for a LARGE NUMBER OF CONSUMERS but offers no definitive explanation. I see documentation on this website that they have been investigated for this at the federal level. Yet, they continue to mismanage our accounts at the detriment of individual consumers who did not choose to do business with them. Their solution offered was that I should call to unfreeze my credit report but calls get dropped when we attempt to unfreeze by phone. So, now you CAN NOT UNFREEZE ONLINE OR VIA PHONE - this is unacceptable. The items in caps are the main issue I want Transunion to fix. Unfreeze by mail is not an acceptable or reasonable option. I do NOT have this issue with XXXX or XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-10-09
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. (LA)

Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : 1. [ XXXX XXXX XXXX ] - Account Number : XXXX 2. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly. Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner. Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.
Consumer complaint received 2024-10-10
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. (GA)

I found errors on my credit report in accordance with 15 USC 16c-2, which are damaging my credit standing. The inquiries noted were not approved by me.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (FL)

My school ( XXXX XXXX ) promised job placement, high salary, and the best education. Soon after graduation, my school closed down due to misconduct and now no longer exists. At the time, they pressured me into taking out loans and reassured me that I would be able to make plenty of money to pay them off. This has created a long lasting financial burden on my life ever since.
Consumer complaint received 2024-10-08
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. (GA)

There has been an identity theft on my EQUIFAX credit report as someone is tried to apply for a credit card with the name XXXX on XX/XX/year> using my SSN and other details without my consent or knowledge
Consumer complaint received 2024-10-08
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. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
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: Ability Recovery Services, LLC (AL)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.
Consumer complaint received 2024-09-13
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-13
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)

i ve been in the XXXX XXXX XXXX XXXX  for years and my own family members used my identity and opened accounts under my name so many times and even got phones and internet under my name and opened all these accounts while i was XXXX XXXX i called the cops and made a case 3 time the last one was ( case number : XXXX ) agent XXXX and i went to a lawyer to threaten them by law that i will sue them i attached the letter it was in 2019 and still everything is on, 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports 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 these are all the tracking number for all these certified letters : XXXX XXXX XXXX XXXX XXXX XXXX police report : case number : XXXX agent XXXX
Consumer complaint received 2023-08-13
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. (TN)

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 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2016-07-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

I had {$420.00} taken off my prepaid Bluebird American Express that I did not authorize. The account has been closed and the fraud department said they could not determine fraud was committed on my account. They have no proof that I authorized these purchases because it was done online and I did not purchase the items in question.
Consumer complaint received 2024-09-18
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. (NJ)

I am writing to urgently address the fraudulent account that has been reported on my credit file. I am a victim of identity theft, and this negative account is the result of criminal activities conducted without my knowledge or consent. 
It is essential that this inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent account in question was opened by someone close to me, who stole my personal information and used it to open account in my name. After becoming aware of these unauthorized activities, I contacted the bank, who has acknowledged the situation and agreed to remove the fraudulent account from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The bank has confirmed the identity theft and is aware that the account was opened without my authorization. 

XXXXXXXX XXXX
Consumer complaint received 2024-09-14
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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-08
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. (OH)

I applied for credit and was denied primarily because of my XXXX loans being reported on my Consumer Reports. I did not give " XXXX '' written permission to Furnish my personal or private information to any Consumer Crediting Agency. According to 20 USC 1232g and 34 CFR part 99 my information should not ever have been released without my specific written consent. 15 USC 1681b. Therefore, because of this flagrant unlaw act I have been denied substantial financial benefits.