davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MI)

New debit card was issued by Chase Bank on XX/XX/2022. Despite activating the card and using it at a Chase Bank ATM, the new card does not work for online or instore purchases. Despite contacting Chase Bank multiple times, the new card is connected to the wrong checking account. Attempts to address this issue with Chase Bank have all failed. 
Now unable to access my funds or close down old checking account.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

This matter is pursuant to CFPB Complaint ID # XXXX submitted on XX/XX/2021. XXXXXXXX XXXX has not answered my question of the line item ( other Fee 's ). Again, these are not legal fee 's or foreclosure fee 's as per XXXXXXXX XXXX Attorneys. The sent several documents and narrative of what they report are the conversations and statements in reference to the account. However, most of their accounts are inaccurate and incorrect. When I asked repeatedly, after CFPB complaint Inquiry, they refuse to give me an explanation of what " other fee 's '' are. My matter is not resolved. The document that were sent are internal documents which are cryptic and inaccurate.
Consumer complaint received 2022-01-27
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. (TX)

I am writing due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-01-27
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. (NY)

Back in 2021, I have view my credit report and found a lot of errors. Some of which were actually FCRA Violations. Every time I disputed with Equifax, they would just send me back a letter saying that everything is verified. There is no way that they could verify a FCRA Violation 623 failure to disclose Account in dispute notice or Re-aging my accounts. Ive sent letter throughout the year with no success and now I am trying to resolve this matter before escalating it to higher channels. I have enclosed copies of the original letter to EQUIFAX INFORMATION SERVICES, on XXXX XXXX via certified mail. I have also enclosed a recent credit report with the problem accounts highlighted. 

Accounts in question : XXXX of last activity has been re-aged. FCRA Violation XXXX FCRA violation 623 Failure to display Account in Dispute Date of last Activity is not accurate with the other bureaus High Credit Limit missing XXXX XXXXXXXX XXXX Date of last activity is different from the other bureaus. If all bureaus get information from the same source then how can it be different? 
Missing date of last payment. 

Please remove these inaccurate/FCRA Violation accounts from my credit report. These inaccuracies is hindering me from obtaining credit in the future.
Consumer complaint received 2023-06-09
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. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the Co. XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to 3 credit agency credit report. XXXX, XXXX and Experian. The Co. promise of correction nothing came. 
I lost XXXX point for false report from XXXX XXXX XXXX. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the Co. XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

For years after my loan was transferred to Navient from Sallie Mae and before that it was XXXX ; none of these providers ever helped or informed me about how my public service position could result in possible forgiveness. I inquired about public service student loan forgiveness through both Navient and Sallie Mae over the years and was told I did not qualify but they never told me why ; I realize now it was because these loans were refinanced and they did not want to let go of monies I paid them. They made no effort to provide any guidance or assistance over the years. I have worked as a XXXX XXXX  for 18 years now and continued to be told there was nothing I could do about it. I applied for forgiveness a few years back in XXXX and was told then that the payments I had made did not qualify because of the lender. During the required student loan exit During the pandemic when I had some trouble paying because I was being furloughed by my employer they also never worked with me so that I could take advantage of the assistance the government was providing to people in my situation. I want to understand why for so many years now they and the government have neglected to recognize that I have made over XXXX payments, I have worked over 10 years and continued to work as a public servant ; so why do these payments not qualify under the public student loan forgiveness program? I have paid well over the amount I've borrowed by now but continue to be told my loans do not qualify? I also want to understand why the information about public service related forgiveness wasn't part of my student loan exit interview. I feel like this information was valuable and would have resulted in my not consolidating my loans if I had known about this program and that my consolidating and the transfer of my loans later would lead to my not qualifying for public service student loan forgiveness. Again, I've been a XXXX XXXX for 18 years now. It is unfair to me that others with loans fresh out of college get to benefit yet I still continue to pay and pay despite my service and involvement in my community.
Consumer complaint received 2023-06-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2022-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

Hello, I moved out of XXXX on XX/XX/2021. I submitted a notice as required by my lease on XX/XX/2021. I noticed that the email bounced back because they switched management companies so I went in to talk to them in person. They told me to turn in the notice there and so I did. I moved out on XX/XX/2021. I went to the office to turn in my keys, left a forwarding address and my number that hasn't changed in XXXX years. They told me that if they had any problems they would bill me in aout XXXX months. In XX/XX/2021 I received a call from the collection agency IQ DATA INTERNATIONAL. At first I thought it was a scam because I had never received anything from XXXX. They were also yelling at me on a recorded line and cursing me out. I hanged up and immidiately called XXXX. They said they they never had my phone number to contact me and my address so they didnt bill me.They also attempted to charge me for not giving them a notice. Once I provided documentation that I did in fact sent a notice they agree to take off most of the amount and contact collections to which they never did. I then contacted IQ and told them I would be getting a lawyer to which they responded you dont have a XXXX laywer. ( It is on a recorded line ) I began crying and panicking because teh representative was yelling. I offered to provided documentation to which they said that I could not dispute. I have attached an email from XXXX admitting that they charge was incorrect and honestly it proves that they never attempted to collect any charges before submitting me to collections. This is now affecting my credit and the unproffesionalist of IQ DATA INTERNATIONAL has caused me XXXX XXXX that i refused to speak to them as they were verbally abusive.
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I have had this loan from XX/XX/XXXX and then refinanced in XX/XX/XXXX. I have been paying {$100.00} as of XXXX of last year ( XXXX ) for 2 years. My interest rate is through the roof at 56 % and I have seen no change in my principal balance. After doing my own research, I learned that most financial institutions have interests rates between 3-36 %. There was one instance ( XX/XX/XXXX ) where I called to start really attacking my loan principal to pay off the loan early, I paid an extra {$50.00} and it did not go to the principal. I then called to talk to a rep and they said they don't know where an extra payment will go because it is computer generated. This is a predatory loan, I have contacted other financial institutions to get this refinanced to pay off so that I can actually pay the loan off and have a guarantee that if I make an extra payment on top of the original loan payment it will go to my principal. At this rate, this loan will never be paid off. From the payments, I have made since the inception of the loan I've already paid it off, the total amount is {$4700.00}. From the contract if I continue to pay, I will have paid triple the amount of the original loan which was {$4300.00}. On XX/XX/XXXX the Attorney General of Virginia sued Net Credit and other companies for predatory practices.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (MN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Apple card/GS Bank : This account was taken over by Apple/GS Bank . They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

XXXX account was closed for the same reason. 

XXXX XXXX XXXX account is not mine
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for XXXX XXXX Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-06-09
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. (WA)

In accordance with the fair 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. 
Account Name : XXXX XXXX XXXX  Account Number : 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- 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 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 2022-01-28
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.