davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by Experian. On XX/XX/XXXX, I contacted Experian to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying Experian of these discrepancies, but their lack of response is concerning. I believe Experian has an obligation to comply with federal law and investigate the validity of these accounts as per my request.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (MD)

Im a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Equifax the rights to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I currently have two student loans serviced by Nelnet - one federal and one commercial. I have been paying {$100.00} extra per month on my commercial loan. Once federal payments resumed, I would have thought my extra amount would have covered the federal payment, it is only {$65.00}. Just to be sure, I attempted to call Nelnet to verify. When calling their wait time was over 1 hour. I work, so an hour out of my day is not feasible nor reasonable. I used their 'email us " form online and received the following response, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov. '' They won't respond to emails and who has an hour to sit on the phone? 

Come to find out my excess payment to them was not applied to my other loan and my loan was marked past due. I've not had a past due payment to them in 8-10 years. Thus, this is quite infuriating. They need to be held accountable as a servicer. If they can't adequately service the volume of loans in their portfolio, then a segment of those loans should be moved/sold to another servicer.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I an not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete the investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX  XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX  XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX  XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report
Consumer complaint received 2023-10-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IN)

I purchased 2 cards with a {$500.00} balance on each card in XX/XX/XXXX  and within 48 hours the cards were compromised with charges being made to the card without opening the package. I reported the problem and was informed to visit the company website to submit documentation that I have the cards in my possession. Once they received the information via their website, they sent new cards and I received replacement cards and within 48 hours of receipt of the new cards, they were compromised again. 

I was informed by their customer service team to begin the process again, but now their website has not been operational for many weeks. They have stated they are aware of the issue and the only way I can submit my information is via fax. I have submitted the information multiple times via fax and they claim to not be able to read the information despite my confirmation documentation of the faxes being very clearly eligible.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-31
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-27
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. (VT)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

I was banking with Regions when I made a purchase on XXXX from my business checking account on XX/XX/XXXX. I returned some products to XXXX but only after that checking account closed. I tried my hardest to get XXXX to refund me a different way but nonetheless they refunded {$960.00} and {$800.00} on XXXX XXXX. 
Currently the date XX/XX/XXXX and Regions Bank nor XXXX have any idea where my funds are. This is a total of {$1700.00}. I have been to several Regions Bank locations and spoken to many representatives on the phone. Finally one person said they saw the transactions but she could not do anything. It has been months and I have been at a loss. Please Help!!! Regions keeps sending me back to XXXX and XXXX keeps saying the money hasnt been returned. 
Also, both parties say if I have an account the money will just find its way into the account. I still have a checking account with Regions and this phenomenon did not occur. I need assistance!!!
Consumer complaint received 2022-09-17
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. (VA)

I sent my first letter to the credit bureaus- XXXX, Experian and XXXX reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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. 

I told XXXX, XXXX and Transunion to reinvestigate these accounts : Account : XXXX  # XXXX, Account name : XXXX XXXXr # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

I had a chase sapphire preferred account which was closed in XXXX of this year. I was under the impression that all points and rewards accrued ( XXXX points, worth approx. {$1600.00} per valuations by leading journalists ) would remain since I had another ultimate rewards account open ( chase freedom card ). Chase did not disclose anything different to me at the time of account closure. On XXXX of this year, I attempted to redeem some of these points and noticed that they were missing. 

Chase was telephoned on XXXX and I explained the situation. Chase associates were initially able to locate all documents and were understanding and sympathetic to my request. End Result of this call was that chase would file appeal on my behalf to receive the points back and I would hear back within 7-10 business days. After this call, chase purged records from this account on XX/XX/XXXX ( hardly seems coincidental ). Appeal filed was notated under wrong account ( ending in XXXX, not XXXX ) and was denied per letter dated XX/XX/XXXX. 

Telephoned Chase again on XX/XX/XXXX after receiving incorrect denial letter. Chase associates and supervisor were unable to find records of this account except that it was closed in XXXX of XXXX. This closure date is clearly incorrect, as statements were generated as late as XXXX of XXXX. Charges were made in XXXX of XXXX. Chase claims disclosure was read to me upon account closure, but I do not recall this disclosure and would have acted on this information. Reached impasse with chase and decided to escalate matters to CFPB.
Consumer complaint received 2023-04-06
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. (PA)

PA CHILD SUPPORT XXXX CO XXXX XX/XX/2012 Amount : {$1300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts dont report this type of account. 

Its also a violation of permissible purposes, they need direct written consent from me to report anything on my credit report.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WI)

On XX/XX/2023 I received an overdraft of {$34.00} from Huntington Bank. The day prior I received another overdraft amount of {$25.00} and some change. This is the fourth time that Huntington Bank has made me pay the fees in which I have had ample amounts of money in my checking account. I have no overdraft turned on so I dont understand how am I being overdraft from my account. In the past when I have made this complaint to Huntington Bank, they have made no effort in explaining the reason for overdraft and I am left with paying money back money that is actually mine because of transferring fro lm my savings account to my checking account to pay bills and etc. Upon reviewing the overdraft and having to pay the fees back I believe I am being fraudulently charged without proper reasoning from Huntington Bank
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

My name is XXXX XXXX, and I had referred a co-worker to chime, and she has had her 1st intial deposit. However, when she was setting up the account the representative advised her to chat back with Chime to add the refer to her account, and we would receive our refer bonus. Her name is XXXX XXXX, and she chatted with Chime today ; however, she was advised that we are unable to get the refer since she did not use my link. However, agent asked for my name & email address to my account. I called Chime, spoke with an agent who was rude & kept saying the same thing over & over again about I can not get my refer bonus, but he would note the account about my complaint, and send my complaint the escalation department. I asked to speak with a supervisor, and the agent is going to say well the supervisor is going to tell you the same thing. Supervisor was even more rude, refused to give me someone higher than her, stated she is the highest person at Chime, nobody at Chime speak English, and she does not care I file a complaint against Chime because she is the highest person. I am very upset right now to the point to where I want to close my account with Chime because to this customer service I just received. I would like to hear from someone in regards to matter ASAP. Then I have the conservation recorded from today as well if someone would like to listen to hear how awful this customer service was from the agent & supervisor. 
Thanks XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me.

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area