davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (ID)

On XX/XX/XXXX  a payment was made from my checking account to a credit card that was not mine. My ex-husband and I have similar logins and somehow he was able to make that payment off my checking account. That issue has been resolved as he can no longer see my information on his login. 
I discovered the charge on XX/XX/XXXX ... a Sunday. I called US bank on Monday XX/XX/XXXX to figure out what happened. They apologized and said they would reverse the charge. I verified with my ex-husband that it was indeed his credit card payment that was made off my checking account. I have continually been in contact with US Bank and the local manager that keeps telling me the " back office '' is working on it. I spoke to him just this morning letting him know that it's now been a month since the payment came out of my account and since they still have not reversed the transaction I would be filing a complaint with CFPB. I have called them no less than 1 to 2 times per week and keep getting put off.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX I made an electronic payment on their website for a {$700.00} payment. On XX/XX/XXXXI received an email receipt of the {$700.00} payment to the account. They said they did not receive payment. I disputed it and I sent them a copy of my bank statement showing where the money had been deducted from my account and a letter from the bank with all the transmission numbers. PayPal Mastercard said they did not receive any information and they showed it not paid. I filed another dispute and once again I resent all information, along with my bank statement, signed receipt, to there requested location in XXXX. Got a letter back saying no payment receive ; I have continued to dispute this since that date and was told today they could not register my dispute since it had been decided, even after receiving the paperwork, they did not get the payment. The money came out of my account, I got a receipt from PayPal Mastercard, and the bank provided all the transmission numbers. Today they say I still owe them {$700.00}.
Consumer complaint received 2024-07-01
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. (TN)

I noted a lower credit score before I applied for a business loan. I investigated and found that info on several late notices from XXXX XXXX XXXX XXXX did not seem to be mine. Address was unknown and name unknown. 

I mailed this concern to credit bureaus and Bank.XXXX XXXX XXXX has not responded properly nor has the 3 credit bureaus responded at all. 

I do expect this to be taken off
Consumer complaint received 2024-07-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Stage Funding (NC)

I believe the account is invalid. CASCADE FINANCIAL SERVICE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CASCADE FINANCIAL SERV XXXX
Consumer complaint received 2024-07-01
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. (OH)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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. (IN)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-07-01
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I applied for the SAVE plan about 3 months ago on account XXXX. I have uploaded everything on Nelnet that is required for the SAVE plan to be processed. I have called multiple times the customer service representatives and they just keep telling me its going to be processed in a couple weeks in XXXX, XXXX, and in XXXX. The problem is that I have XXXX in student loans from school and it keeps accruing interest while on the standard repayment plan instead of save. I keep trying to call them but it takes 2 hours to reach any representatives only to get told it will get processed in a couple weeks then never processes. The payments keep getting deferred but I am interested in paying the payments on the SAVE plan but Nelnet it taking a ridiculous time to process.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-01
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-05-30
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: CITIBANK, N.A. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THD/CBNA 2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against Experian for their refusal to investigate the disputed items on my credit report. I mailed on XX/XX/year>, via USPS certified mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, Experian refused to investigate. 
I received a response back from Experian dated XX/XX/year> stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I had a XXXX XXXX promotional balance transfer thats coming due on XX/XX/XXXX on my chase Freedom XXXX. I was offered a loan for XXXX XXXX with payments through XXXX. I made a large payment to wipe out the promotional balance before it ended but they applied it all to the loan. I called and asked them to adjust it but they apply anything over the minimum payment to whatever has the highest interest at the time. I dont think they should offer loans on cards that have promotional balances then because it essentially precluded me from paying off that balance and now the rate will be over XXXX XXXX.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I WAS DENIED AN EXTENSION OF CREDIT BY J.P MORGAN & CHASE ON XX/XX/XXXX XXXX, I APPLIED FOR A CREDIT CARD WITH J.P MORGAN & CHASE AS YOU MAY BE AWARE, IT IS AGAINST FEDERAL LAW IN ACCORDANCE WITH EQUAL CREDIT OPPORTUNITY ACT TO PROCLAIM AN ADVERSE ACTION AGAINST A CONSUMER. PURSUANT TO 15 U.S CODE 1691 ( C ) YOU ASSUME CIVIL LIABILITY PURSUANT TO 15 U.S CODE 1691 ( K ). J.P MORGAN & CHASE HAS VOILATED MY FEDERALLY PROTECTED CONSUMER RIGHTS : 15 U.S. CODE 1642 15 U.S CODE 1681 M, 12 CFR 1002. MY APPLICATION WITH SIGNATURE IS THE COLLATERAL. THE NOTE FOR EXAMPLE IS THE PROMISSARY NOTE. THEREFORE, THE APPLICATION SHOULD IN TURN BE GRANTED INTO A PROMISSARY NOTE WHICH MEANS I SHOULD HAVE AN ACCOUNT/CREDIT WITH A CREDITOR AUTOMATICALLY. I WOULD LIKE MY ACCOUNT TO BE OPENED AND MY CARD SENT TO ME ASAP. 

J.P MORGAN & CHASE ALSO USED XXXX XXXX TO HELP MAKE THIS DECISION WHO ALSO REPORTED FALSE AND MISLEADING INFORMATION! 

SINCE THE LETTERS THAT WAS SENT TO ME DATED XX/XX/2023 AND XX/XX/2023 IS BOTH PROOF AND EVIDENCE THAT I HAVE BEEN DISCRIMINATED AGAINST, J.P MORGAN & CHASE ARE ALSO CRIMINALLY LIABLE. J.P MORGAN & CHASE SHOULD RESORT TO REASONABLE PROCEDURES TO RECTIFY THIS AFFAIR AND COMPENSATE ME FOR THE USE OF MY SECURITIES. OTHERWISE, THIS WOULD BE CONSIDERED SECURITIES FRAUD SINCE I HAVE RECIEVED ( NO BENEFIT ). 

FOLLWOING THIS INITIAL ATTEMPT TO RECTIFY, I WILL BE SENDING AN INVOICE TO COLLECT ACTUAL DAMAGES FOR SAID VOILATIONS.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AZ)

I opened an account with Marcus high yield savings account on XX/XX/XXXX and had no issues transferring money into the account from several different account which were linked to Marcus via their website. When trying to transfer funds from the Marcus account into those same external account linked via the Marcus website, all debits were denied. When I spoke with the customer service reps on two separate occasions for over an hour each call I received several different reasons including fraud, " technical difficulties '' claiming one of the external account XXXX had placed a hold ( I also called XXXX who confirmed this was not the case and that Marcus had denied the transfer ). My current balance in the Marcus account shows an available amount of {$25000.00}, but when I go to their transfer button on their website it shows {$0.00} available to transfer, no rep from Marcus was able to offer an explanation
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Experian, You all are furnishing inaccurate personal information on my consumer report. Please see my attatched dispute to correct my personal address being reported. Only the address you see on my drivers license should be reporting nothing else. I will attatch a copy of my drivers license as well. I also would like a copy of my consumer report after you delete the address you have on file and update my correct address.
Consumer complaint received 2024-07-01
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (GA)

XXXX reporting fraudulent hard inquiries- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX reporting fraudulent hard inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Experian reporting fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

A charge off is considered a certificate of indebtedness and its also considered income and must be removed and per publication 4681, a 1099 c should have been issued no procedures have been followed and for that I would like this item removed..I also was sent the title which was the security, This wrongly reported item has caused great detriment to my reputation as a consumer and has prevented companies from extending me credit.