davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year>, while traveling in XXXX, I attempted to use an ATM with my Chase debit card at a XXXX ATM. That ATM stated that the connection was lost and I should withdraw my card, which I did. I waited a few minutes to ensure no funds were disbursed, and none were disbursed. I contacted Chase within one hour of the occurrence because I noticed the transaction was " pending '' in my checking account for {$470.00} including banking fees. Chase asked me to try to obtain proof that no funds were disbursed, and I obtained a signed statement and a copy of the ATM spool from the XXXX XXXX  that owns the ATM which showed my Chase debit card number and next to it a statement " no service available ''. 

Despite repeated attempts to have Chase credit my account for what they debited, Chase keeps sending me AI or automated letters stating they " authorized the transaction '' so they are not refunding me the money Chase debited even though the XXXX XXXX  confirms that no service was available so no funds were disbursed. I feel like Chase is not treating me fairly and wonder if they are doing this to other Chase customers as well, which would be an easy way to increase Chase profits by charging customers for funds that were never disbursed. I hope a human being with a customer service orientation will review my case and reimburse my account for the non-disbursed funds. Thank you
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-07
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-07
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. (MS)

On XX/XX/year> XXXX XXXX XXXX initiated an internal dispute regarding some adverse items on my credit report with XXXX, XXXX and Equifax. Within less than 24 hours I received my results back from Equifax stating that 5 of the 11 items that I disputed were complete. I requested that Equifax provide me with lawful verification from the trustee over my persons bankruptcy case that gives authorization to publish personal, sensitive and private information. That was not provided to me upon request before making a fraudulent determination that such item was verified by such trustee. Other items on my credit report were also disputed such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested verification from the trustee over these accounts that gives authority to report, and publish such sensitive, personal and private information as well as well as verification from the consumer that consent was given by the consumer to Equifax to report, and publish such personal, sensitive and private information. No verification was given to consumer nor proof of consent was given to consumer. Equifax still has items published and reported on credit report that reflects a status of late payments, a balance which adversely affects the reputation and credibility of the consumer which is a violation of 15 U.S.C. 1692. EQUIFAX knowingly and willingly disregarded such verification process and rushed a negative result to consumer which afforded no remedy to the consumer for such violations. There were a total of 45 inquiries on my report that I did not consent to and also requested verification in which non was given
Consumer complaint received 2023-06-15
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. (SC)

I request that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-09-26
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. (FL)

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S.

Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S.

Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

remove the following accounts from my profile immediately XXXX XXXX  XXXX XXXX XXXX Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

You, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of 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.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
XXXX, Equifax, XXXX and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/ 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bull City Financial Solutions, Inc (SC)

I recently saw a company on my XXXX credit report that I do not recognize. BULLCITY FINANCIAL SOLUTIONS is saying that I owe them money. They never told me that I owe them anything. I dispute owing them any money.

2. BULLCITY FINANCIAL SOLUTIONS : Account XXXX. Pages 8 & 9 The DATE OPENED, TERMS and BALANCE is inaccurate. The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE information is completely missing. The Payment History is missing information from XX/XX/2024 through XX/XX/2024. If the account was opened in XX/XX/2024 this information should be reported. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

Credit report attached.
Consumer complaint received 2024-09-16
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. (CT)

I forgot my username for my account with their service. When I requested an email with my username, the company sent me a message stating that my username was sent to an email address that did not and never did belong to me. I was then locked out of my account. I could not get help when I called their customer service phone number. I emailed their customer service, and they have not responded.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

Due to the settlement and exposure of the fraudulent practices by Navient, I am disputing the entire loan. Please remove from credit reports. I am no longer responsible. 

XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : **Complaint Regarding Private Student Loans Navient Corporation** To Whom It May Concern, I am writing to formally submit a complaint against **Navient Corporation** regarding their handling of my private student loan, which I believe involved deceptive and unfair practices that have caused significant financial hardship. 

I obtained a private student loan from Navient in XXXX, and have since experienced a variety of issues, including but not limited to : - **Steering into costly forbearance options** instead of receiving assistance with more appropriate repayment plans. 
- A lack of transparency regarding the terms and conditions of my loan, including changes to the interest rate and payment schedules. 
- **Failure to provide proper disclosures** at the time of loan origination, resulting in financial harm. 
- Deceptive practices, including **misleading communication regarding repayment options** and my eligibility for alternative solutions, which led to a worsening of my financial situation. 

These practices are consistent with the issues raised in the recent settlement between Navient and several states ' Attorneys General. I believe my case falls under similar circumstances, particularly concerning **unfair loan servicing practices** that were detailed in the settlement. 

I kindly request that the CFPB investigate my case and take appropriate action to address these concerns. I have included copies of my loan documents, correspondence with Navient, and any other relevant materials as evidence. 

Please let me know if any additional documentation or information is needed to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-09-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NM)

Previous compliant was addressed by company who said they would remove my account from the day sent to collections. It is still on report with orginal amount. It shows currently I owe XXXX but remains on my report with orginal collection amount. The date they refer just showed it sent to collections. Which is not what they said they would do. If the entire account was sent to collection the company stated that violated their own policy and would be removed. The XXXX balance next to the orginal amount and that it was sent to collection remains on my report. Last complaint was closed because they said they would remove it completely. This was months ago already. This had been a costly frustrating ordeal that has really XXXX  me.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 2024-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

On XX/XX/XXXX my XXXX XXXX XXXX application was approved. I contacted Navient to request a refund of all payments made on the fraudulent loans and was told that I am not able to get a refund without an explanation to why I wasn't entitled to a refund. I requested a written letter from Navient to explain why XXXX XXXX XXXX will not issue a refund and have not received that written correspondence yet. 

I've been paying Navient on these fraudulent law school loans since XXXX. I paid Navient over {$120000.00} ( majority is interest only payments ) from XXXX. Based on Navient 's approval of the School Misconduct Discharge application, I am entitled to a full refund of payments made under the Holder Rule. I want file a complaint with CFPB to get assistance with getting a refund issued to me from Navient on money 's owed.
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (NJ)

Fay Servicing XXXX appears on all three XXXX XXXX. It claims it was open on XX/XX/year> XXXX # XXXX. I did not apply for any loan with this company and have never had any contact with this company. I do not recognize Fay Servicing XXXX as it is reported on my XXXX credit reports generated dated XXXX XXXX. 
I am requesting that the fraudulent account be removed from each of my consumer credit reports and that all collections activities related to this account cease pursuant to my right within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( XXXX XXXXXXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 

In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved.

The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/year> I disputed an account reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/year> that the item was deleted from my credit report through your secure portal. 

N

ow I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I also spoke with a
representative of TransUnion Via chat and was advised it was never actually never deleted and no date of reinsertion. I attached a copy of this conversation, the dispute results that states it was deleted. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I Herby Demand that you immediately delete these items from my credit report in order to avoid legal action. I have you in record violating 3 FCRA laws. Please govern yourself accordingly.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

On XX/XX/2024, I opened a new " SKYPASS Visa XXXX XXXX XXXX '' to earn an opening bonus of XXXX XXXX XXXX miles after spending {$5000.00}. By XXXX, I had spent over {$5000.00} and confirmed with an agent on XX/XX/XXXX that I had met the requirements for the bonus. 

However, as of XX/XX/XXXX, I still hadn't received the XXXX miles. When I called US Bank, the agent informed me that in XXXX, a new term was added : " Existing or previous SKYPASS Visa Signature XXXX  cardmembers are not eligible if you have received a new account bonus for this product in the last XXXX years. '' As a result, I was told I am not eligible for the bonus. 

This new term was introduced after I opened the card, and US Bank did not notify me of the policy change, leaving me unaware of it. I had already spent over {$5000.00} based on the original terms. 

This situation is unfair since the terms were changed after I opened the credit card, and I was not informed of this change. 

For reference, you can check the term changes at the following link XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 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.