davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (CA)

I wish to dispute this account. This account was created XX/XX/XXXX. Hurricane Katrina devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. 
I left XXXX XXXX XX/XX/XXXX. 
Hypothetically Speaking, if I were a student at that time - There should be a Student Loan Forgiveness Program for students that were affected and displaced due to Hurricane Katrina.

If you are, legally, going to GIVE me this account, I wish to apply for Hurricane Katrina Student Loan Forgiveness or other disaster relief.

The Company I worked for was destroyed I was unemployed. The Schools in XXXX XXXX were closed for at least 1 year or longer. I lost ALL MY private PROPERTY - HOME - CLOTHING. 
I stayed in a hotel in XXXXXXXX XXXX  until XX/XX/XXXX. FEMA relocated me to XXXX XXXXXX/XX/XXXX. I stayed in XXXX XXXX, XXXXXXXX XXXX for 6 months paid by FEMA. I accepted residence in XXXX XXXXXXXX XXXX XXXX XXXX 
This Student Loan originated XX/XX/XXXX with XXXX as the servicer - XXXX sold it to ECMC XX/XX/XXXX, 13 years after. XXXX sold this Loan to protect itself. CFPB banned XXXX from servicing Student Loans based on years of abuse of Student Loans. There is reasonable doubt, of the accuracy and legitimacy of this student loan account.
Consumer complaint received 2024-11-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

I started a dispute with Southwest credit agency regarding a prior rental property reporting false and inaccurate information. I sent over pictures, and complaints that were filed 3/4 months prior to my move out regarding these damages and regarding the suit filed against me which was not awarded to the property. The things that this company is charging is false and all of the information I sent proved that this company was false reporting information and amounts. Southwest has yet to correct this mistake, but they are working directly with this company and not working fairly to not report or to report accurate information. I will also peruse legal action if this is not corrected.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/XXXX I was notified by Venmo that my account was suspended. They asked me to provide my ID, which I did. XXXX days later, I received this response : " While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. '' They have provided no explanation as to what policy I have violated. I read through all the terms and conditions and I haven't broken any laws or rules. Their customer service team will not interact with me. They said I can only interact through the permanent suspension email. I believe my account should be appealed and reinstated, however I can't speak to anyone in regards to this. I've been a customer for over a decade and they just randomly ban my account- this is how I pay my bills and exchange money with friends. I am beyond frustrated that they aren't willing to have a conversation to resolve this.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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 the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I have an overpayment on my credit card that I have been trying to get refunded to me for {$1000.00}. I contacted my credit card via chat on XX/XX/XXXX to request this refund. My chat got disconnected and I reached out on XX/XX/XXXX via phone to verify that the request went through. I was told it did and that it'd take approximately a week from the request date. 

On XX/XX/XXXX, I contacted them again via phone without any results. They still owe me a refund of {$1000.00}. 

I've spoken with them again XXXX, XX/XX/21, via chat. The representative, XXXX, stated that my original refund request was denied due to an open dispute. The dispute was closed on XX/XX/XXXX in my favor when the vendor refunded the full purchase amount. I do not know why Citi is still refusing to refund my overpayment.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

I took out a 0 % interest loan/credit card with Wells Fargo for XXXX, faithfully made monthly payments of XXXX to have it paid off in the 18mo time frame. Due date is the XXXX of each month. On three occasions the XXXX was on a Sunday this branch is closed on Sunday and I paid on Monday morning, I physically go to the branch and i always have paid this way. I'm being charged a late fee of XXXX, XXXX for the first payment and XXXX for the second and third payment which were paid on Monday. I talked to the branch and they sympathized and told me to call retail services for Wells Fargo, I did and one late charge was removed, I asked to escalate the call, and was told by second tier nothing could be done. '' It was my choice to go to the branch, and I should have gone on Friday ''. I believe the fees are grossly unfair and rather outrageous. 

Thank you for your attention to this matter
Consumer complaint received 2024-09-16
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)

I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX  and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. 

Violations : Failure to Recognize Debt Discharge : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. 

Repossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. 

False Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as " charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan XXXX has my account. Ordered a wire transfer and was declined by fake employees that have no ID, last name, tel nbrs or connection with the bank. Contacted XXXX more times the Bank and these employees still declined. Recipient is a legitimate operator with all tax ID and bank credentials verified. JP Morgan Chase Bank has to immediately be investigated for non compliance of consumer trust and deliberately stopping transactions by unknown representatives that do not even spell XXXX correctly.
Consumer complaint received 2023-07-22
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. (FL)

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. 

Account name : 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 XXXXXXXX, 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 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

Equifax has managed and operated my credit report with negligence since XX/XX/XXXX. Despite my repeated submissions of documentation to facilitate the release and accessibility of my credit report, I have encountered persistent challenges. I have been informed on numerous occasions that the necessary information was received and corrected, and that I would encounter no difficulties in obtaining or accessing my report ; however, this has not been the case. 

On XX/XX/XXXX, I sent comprehensive proof and documentation via certified U.S. mail, which included copies of my birth certificate, valid U.S. passport, employment W-2, state-issued driver 's license, marriage certificate, and bank statements. This was done with the intention of updating my account information to enable access to my credit report. I was assured that these updates had been processed, yet, as of today, XX/XX/XXXX, I still do not have access to my report. Consequently, my mortgage company is unable to obtain the necessary information to complete the closing of my home sale.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (KY)

I didn't receive points for using my Chase card for phone service. The company advertised and describes the points category on the bill as " internet, cable, phone, office supply ''. I purchased phone service from XXXX, a XXXX XXXX XXXX XXXX XXXX, with this card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and my statement didn't reflect points for these spends. I chatted with the Chase card representative after I received my XXXX statement to inquire why I didn't receive points for phone service. I was told that the transactions or charges weren't " coded '' as telecommunication, they were " coded '' as " software '', so they didn't fall under the redemption category for telecommunication service. The Chase card representative said that this was a " coding error '' and there was nothing he could do to fix the error, he said the fault lies with XXXX. I spoke with XXXX and they said they aren't responsible for credit card transaction details like that. The XXXX  representative told me that the fault lies with the credit card company.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.
Consumer complaint received 2023-07-22
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. (MN)

XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/2022 The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-07-22
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. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

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

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

We called the mortgage company in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and were told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. ( See attached ) On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XX/XX/XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork as per their instructions. We feel they need to be corrected.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

We had safety box in Chase Bank, XXXX, XXXX XXXX, CA. We closed the box, handed the keys to bank employee in XX/XX/year>. But we are still being charged for box rental {$70.00} per year. So far they deducted for XXXX  years and going to deduct for another year in XXXX. I reached XXXX customer support, XXXX local branch and also had online meeting with XXXX XXXX branch employee. Finally they are saying they couldnt find the returned keys or the sign card and so in the system it is still open. They are asking me to come to XXXX XXXX branch and schedule a drill and close the account. I already told them I already took all the items and Ive no issue if they drill by themselves without me being present as XXXX in Texas and cant travel to California XXXX XXXX as it cost lot of money. They suggested to give authorization to someone in XXXX XXXX so that they can schedule drill of safety box but I dont have anyone who can visit bank. Could you please help to refund my {$140.00} and so ask them to stop charging again. Please ask them to close the account. 

Box number XXXX
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

My name is XXXX XXXX. My property is currently in foreclosure, and we are attempting to short sale this property before then. My attorneys, XXXX XXXX, have been contacting my lender, Citizen 's Bank, since XX/XX/XXXX, yet Citizen 's Bank has not be helpful at all. Despite my representation sending in 5 total authorizations, the same authorization I signed back in early XXXX keep in mind, the bank refuses to acknowlegde my representation and will not even speak to them about the short sale. We are unable to open this account up for short sale due to this negligence. Either Citizens Bank lost the authorizations we sent in, or they simply won't recognize them. Either way, my agents have not been able to contact the lender and the foreclosure date is XXXX XXXX of this month! The longer they delay this, the more jepardy they put my property in- Not to mention that there is a lockbox on the property, locked by Citizens , that we can not open to show the property until we are given authorization. It has almost been a month of us waiting in this limbo for someone to respond and we have nothing.