davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (IA)

Ive asked this company numerous times to provide validation and they said they do not have to. These 4 accounts are not mine!! Ive emailed and faxed them information ( including XXXX XXXX ) showing my bank information from XXXX and other personal information. XXXX was extremely rude and they will not follow federal laws
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

on XX/XX/year>, i saw that there was an un-authorized domestic wire transfer from my chase bank checkings account. the amount that was taken out from my account was {$19000.00} $ and was transferred to another bank account without my permission or authorization. I immediately went to my local chase bank to report fraud and closed my chase checking account and asked the bank to monitor my account daily. 

the chase bank said that they will do an investigation. i had alarm set up for any payments or deposits or transfers and i never received any alarm from the bank about this wire transfer. 

The bank never called me to confirm the wire transfer or notify me of this domestic wire transfer. i have no idea how this happened or who got access to my bank account and i asked the bank to cancel the wire transfer. 

the wire transfer went to some person located in another state and it was a domestic wire transfer.
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I requested and was approved to submit a Private Student Loan Misconduct Application with Navient. My federal student loans have already been forgiven through the Borrower Defense to Repayment program due to widespread misconduct by The XXXX XXXX. Navient has been involved in multiple settlements for widespread, unfair, and deceptive practices in servicing and originating predatory student loans, particularly for for-profit schools like The XXXX XXXX. Despite holding onto my application for over 40 days, Navient denied it, stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' However, they failed to provide a specific or valid reason for the denial. In my application, I attached my promissory notes, which showed incorrect enrollment periods, erroneous disbursement amounts, and missing authorized signatures from my loan officer, myself, and my mother, thus making the loans invalid. This appears to be yet another dishonest action from Navient to keep defrauded student loan borrowers indebted to them. There is overwhelming evidence of misconduct on the part of both Navient and The XXXX XXXX regarding these loans, and there is no legitimate reason my application should have been denied.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SD)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-03
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)

All of the below companys have used my credit report improperly. By law, if I refused to pay a debt a collection company has to stop all contact including reporting to my credit agencys. Also do not have any debt with the companys below nor have I signed a contract with them. I have disputed these account several times. Also I have not received a contract of debt from any of the following companies and would like proof of any contract I signed from there company and proof of validation of debt. Also they are reporting late, missed payments when I never agreed and actually am denying debt owed to them. These are the accounts below I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I informed Chase bank that in late XX/XX/2023, My debit cards was left at the XXXX XXXX while I was flying out of the state to XXXX, XXXX. I was out of town for a week with my book bag being left at the airport. My bag included my social security card, my pin card, computer, and phone. I believed originally that my bag was left at the airport, but when I returned a week later to the lost and found, I found numerous charges on my personal and business debit cards. I contacted chase multiple times to dispute the issue and open claims. I sent in my flight itinerary multiple times, but Chase has continued to decline my claims without any evidence or further resolution of my dispute even though these charges were done fraudulently. I again did send in my flight itinerary showing that I was not in town at the time of these transactions and it was impossible for me to have me them. 

Business Name : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Personal Name : XXXX XXXX Chase Personal - Claim XXXX
Consumer complaint received 2024-09-26
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: CLGF Holdco 1, LLC (OR)

Woke up to an alert on my phone that a new hard inquiry from CB Indigo was now on my XXXX credit report as of this morning ( XX/XX/year> ). I XXXX  what that was and it came up as the Indigo Mastercard for poor or no credit. I have not applied for credit with this or any lenders recently. I have gotten multiple emails over the last few weeks telling me my data was exposed in various breaches, and this could be the result of that. I thought I added Credit Freezes to all my credit files with the 3 credit bureaus but apparently, I missed XXXX, so I added one there today and found the number for CB Indigo. I called there at XXXXXXXX XXXX today and spoke to Lovely who gave her employee ID # as XXXX and explained anything they have with my name or personal info is fraud and asked what name or address was on the application or any other info that could help me file a fraud report or figure out if I knew who was trying to get credit in my name. She said she could not provide that information but did tell me there was a credit card application that was still pending with a status of " need supporting documents ''. She said she would tell someone I am claiming that this is fraud but that it could take up to 60 days for them to complete an investigation and send me any documented proof in the mail about what they decided the outcome will be. She also stated instructions regarding getting the hard inquiry removed in the letter. I told her I am filing a claim with the FTC and the CFBP and asked if there was a way to expedite the investigation or proof letter in case I needed to give any of that to them and because XXXX told me they will not remove any hard inquiries without documentation of a claim from one of those agencies or some other hand written request being mailed in but she said no. I am just trying to get rid of any ties to this fraudulent account as quickly as possible so I can feel secure again and not end up with any financial burdens that are not mine to deal with.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

My former student loan servicer was EdFinancial. In XXXX, XXXX, my loan was transferred to XXXX. During the transition, I had previously scheduled a payment with EdFinancial as I was unaware of the transfer. The payment of {$830.00} was withdrawn from my bank account on XX/XX/XXXX and never applied to my loan. I contacted EdFinancial and was asked to provide them with a copy of my bank statement showing the transaction. I sent the bank statement to them via e-mail on XX/XX/XXXX. I have called on several occasions to find out the status of my refund and am repeatedly told that they can not tell me anything other than it is in process with the finance department. I have asked to speak with supervisors and they never call me back. I have asked to speak with the finance department and they do not have a way to get in contact with them. I just want a refund of my payment of {$830.00}.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (PA)

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/year>. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2024-09-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collections Inc (MS)

Lady from collections inc named XXXX has called me excessively, yelled at me, and is threatening me saying the papers to sue me on her desk she is turning in because I won't pay. I have asked multiple times for an itemized statement of debt or debts owed and she says she doesn't have access to that. I told her there is a statue of limitations on debts and that she has no right to speak and yell at me and to keep threatening me. I have been nice and she is wrong and violating my consumer rights and fair debt collection practice act.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

My SSN was part of the recent XXXX XXXX XXXX breach and I found out today, Saturday XX/XX/year> at around XXXX PST. I immediately called all 3 credit bureaus to place a credit freeze. I was able to talk to a live person at XXXX and XXXX after a short wait. 

However, Experian has absolutely no option to talk to a real person without using loopholes. I tried to login online using my SSN, phone number, and other identifying information, but they could not verify my phone number for some reason. 

I XXXX  " how to talk to a live person at Experian reddit '' and of course the reddit users came through. I tried one number someone recommended and got in the queue, but then I got the dreaded " Please call back during our normal business hours on Monday '' voice message. I tried an alternative number some other reddit user provided and then used the verbal prompt " dispute '' because they said that is what got them routed to a real person. I did this, and was immediately routed into the queue! However, I got the " Please call back during our normal business hours on Monday '' voicemail again. 

Basically, my complaint with Experian specifically is two-fold : 1. Make it easier for inbound callers to talk to a real person- we aren't calling the credit bureaus because of something that isn't critically important. If we are calling, we want to talk to a human being about our sensitive information 2. Have daytime weekend hours, particularly on Saturdays. Again, if I'm calling you on a Saturday, it must be pretty important- I don't want to wait until Monday to address something like my SSN floating around on the dark web
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (WA)

I went to XXXX XXXX that I bought the money order from to cash it in, and they said they could not cash in and to call you guys. I tried doing that but your horrible automated system did not give me an option for my problem. I am still not able to speak to anyone which is totally unreasonable. I'm trying to figure out why I was not able to cash this money order. I'm just trying to figure out why it was denied if it's a money order that I bought from the same store. The cashier said that it was in the right time frame from date of purchase to be able to be cashed, I couldn't get an answer from your company via phone or your website which is horrible customer service practice and it is unacceptable that we are not able to speak to someone about issues that come up and aren't an option on your automated system I need someone to call me back so I can figure out how to cash this money order
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weber & Olcese, PLC (MI)

On XX/XX/2024 I received a letter from my bank ( XXXX XXXX XXXX that my funds have been frozen by a debt collector ( Weber & Olcese ). The funds in that account are solely from Social Security, as I receive XXXX benefits. Them funds are not Garnishable unless its from the Government. My right as a Consumer have been VIOLATED. Both by XXXXXXXX XXXX for not telling the debt collector my funds are protected and solely come from Social Security as a direct deposit. The funds so far frozen total {$460.00}, that I now have no access to. Tomorrow I am going to the court house to request a hearing with the judge, explaining my XXXX funds are non-garnishable, and request the funds be released immediately. If the debt collector had asked for proof from me as to this account and where funds come from I would have sent to them but they never asked me. I have sent so far 2 payments to debt collector XXXX $ in XXXX and another XXXX $ for XXXX so far and will continue to send till I die. This should be punishable to both the bank and debt collector for violating my consumer rights.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

I tried to use my card to make a purchase of {$5500.00} to my XXXX XXXX, with whom I have completed a transaction in the past. I used XXXX XXXXthe most secure payment method availableto attempt this transaction XXXX times. Chase took it upon themselves to lock my card. 

I called Chase to ask them to unlock the card. I fully authenticated myself with Chase. Chase refused, claiming that this was fraudulent activity, and said they will keep my card locked for XXXX hours while they investigate. The agent then immediately hung up on me before I could ask questions ( please listen to the call transcript ). 

I am now unable to use the card. Most importantly, I am unable to use the card benefits that I have paid a $ 250 yearly fee for, including earning XXXX XXXX XXXX and XXXX on this transaction and other transactions.
Consumer complaint received 2024-09-26
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: OneMain Finance Corporation (NY)

I am writing to inform you that I received an alert indicating that my credit report was recently accessed on XX/XX/2024. However, I do not have any knowledge or authorization of such an inquiry. 

Please provide the details of the inquiry, including the name of the entity that made the request and the date it occurred. If this inquiry was made in error, I request that it be removed from my credit report immediately to avoid any negative impact on my credit score. 

I appreciate your prompt attention to this matter and look forward to your confirmation once the issue is resolved. 

Thank you for your assistance.
Consumer complaint received 2024-09-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Western-Shamrock Corporation (NM)

I've tried several times to have the creditors to remove the collections from my credit report as it's old and has been on sense XX/XX/2016the account was closed and charged off
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,