davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
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: AES/PHEAA (IL)

In the months of XX/XX/XXXX and XX/XX/XXXX I have spent several days corresponding with XXXX XXXX    about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.
Consumer complaint received 2024-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy And according to 15 U.S.C 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 7 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Following 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. 

XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an 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 : accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (KY)

I had a secured credit card that I put a deposit down for in the amount of {$200.00}. I paid my balance in full almost every month. I started getting behind on my bills and did not want to get to far behind so I closed the account in XX/XX/year>. The company called wanting payment and I asked them to send me a final itemized bill. I never got that. It went to a collection agency and when they called I asked for the original signed contract and the final itemized bill. The only information they provided was copies of my monthly bills from when I was in good standing with them. I called them to tell them that isn't what I wanted and that my {$200.00} deposit has not been applied to the balance. The balance is {$260.00}. Once my deposit is applied the balance will only be {$65.00}. A couple weeks later I received a notice from a new collection agency. So, I went through all this again still not getting the information I requested and my deposit still has not been applied to the balance. Once again I now have a new collection agency holding this debt. I have disputed this on my credit report with all XXXX agencies and I can not get any resolution. As soon as my deposit is applied I will pay it and that's that. I don't know what else to do to get them to apply the money I originally sent them in order to get the card. I don't know what else to do.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Tried to open a chase checking account but the information is showing incorrect. Showing a last name by the name of " XXXX '' and not " XXXX ". I can not update the account online and wanted some help in updating the information showing throughout the system.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

XXXX XXXX XXXX XXXX ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed XXXX XXXX XXXX- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed XXXX. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX XXXX have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION (MS)

On XXXX XXXX i was in a store & shortly after leaving i recieved a text about a transaction i responded with the answer no & shortly after recieved a call allegedy from the instuition it displayed the number & the security questions asked when contacting the instuition & my card was cancelled because the transactions were fraudulant but my money wasn't replaced because an investigator claims i initiated the transaction when i was clearly a victim of fraud they were the amounts of {$1300.00} & {$39.00} transaction fee
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

Since restarting student loan payments in the fall of 2023, I have had numerous issues with Mohela trying to pay my loan balance. Simply put, I am trying to pay off my loans and Mohela is inconsistent in actually taking the money out of my checking account. I called my bank, who said the issues are not on their end. I called Mohela, and they could not figure out why payments are sometimes going through, and other times not. My issues are enumerated below : 1. I have entered my bank account information into the system multiple times exactly the same. Sometimes Mohela will take money out of my account when I pay. Other times, Mohela will say they received payment, only to send me notifications many months later saying that my bank account does not exist and payment did not go through. 
2. Autopay does not work.

3. I have a loan with XXXX XXXX still on it. I have attempted to pay this XXXX XXXX for 6 months. Mohela told me it would go through in XXXX days. This was 5 months ago. 

I am trying to do the right thing and actually pay off my loans, however, Mohela has made this extremely difficult. Every time I make a payment, I have no idea whether it will actually go through. Seemingly, Mohela does not know what the issue is either. This is completely unacceptable as these loans accrue interest.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TN)

I discovered I had been the victim of identity fraud. Someone had used my personal information to fraudulently open several credit accounts and services. I obtained a copy of my credit reports and discovered an American Express Card opened on XX/XX/2016, had been one of the fraudulent accounts. I called and sent letters to American Express to inform them of the fraudulent account. Additionally, I informed American Express a fraudulent bankruptcy petition had been fraudulently filed to cover up the identity fraud. I also requested a copy of the fraudulent application for a police report. American Express would not send a copy of the fraudulent application. American Express said the information on the application matched my information so the account was mine and I needed to pay the balance.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number : XXXX Dear Online information Services, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
2. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-06
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : Inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, they stated everything was complete and accurate XXXX 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 supposed to modify inquiries that aren't reported 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 an 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.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting your assistance regarding this misleading account on my credit report. This has caused significant harm to my reputation, and I need your help to address it. Your mishandling of my credit report has greatly impacted me, as this misleading information has destroyed my reputation. It is imperative that you remove this misleading information from my credit report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (MS)

I had an aafees military star card that went delinquent. The account did not go to collections and I paid it and closed it, since I closed it they have been reporting as the balance is changing on my credit report, repeating false information, which is fraud and I had to ask XXXX why is this company reporting when the balance is XXXX .. they said contact the company which I did. I emailed several times after closing it and paid it off completely. The balance is XXXX yet they still remain open. This is a closed account by them. The company themselves closed it. I asked them repeatedly and Ive emailed them repeatedly to stop reporting on my account since it is closed and and paid off. I paid off the entire balance. It was not a settlement. It is at a balance of XXXX and closed. As you can see in XXXX of the documents I uploaded the balance went from {$5200.00} to {$0.00} to {$5200.00} without my authorization the account is closed. They can not keep fluctuating the balance like this. The other document is the confirmation that the account is paid in full in 2023. Please help me with this.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. ()

Subject : Unauthorized Re-charge of Refunded Amount on XX/XX/XXXX Dear Chase Bank Customer Service, I am writing to formally lodge a complaint regarding an unauthorized deduction from my account. On XX/XX/XXXX, I made a purchase at the XXXX XXXX outlet in XXXX XXXX for two bags, totaling {$130.00}. I initially bought the wrong color and immediately requested a refund, which was processed at the store. I then repurchased the bags in the correct color for the same amount, resulting in two identical charges on that day.

Both the Chase Bank representative and the stores staff informed me that the first transaction would be refunded within seven business days. On XX/XX/XXXX, I saw that the refund for the first transaction had indeed been processed. However, to my dismay, I discovered today that on XX/XX/XXXX, the same amount XX/XX/XXXXwas once again charged to my account. 

I find this situation highly confusing and unacceptable. This was a refund that I was entitled to, yet the money has been deducted from my account again without my authorization. I kindly request that you promptly investigate this matter and ensure the {$130.00} is credited back to my account. Should this issue remain unresolved, I will be left with no choice but to file a formal complaint, as I have the receipts and documentation proving the legitimacy of my claim. 

Please address this issue as soon as possible and confirm that the funds will be restored to my account without further delay. 

For verification purposes, my routing number is XXXX and my account number is XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

I am writing to formally file a complaint against Wells Fargo regarding my experience with their XXXX XXXX Key Plus credit card, which I opened on XX/XX/year>. 

Background : I was pre-approved for the Wells Fargo XXXX XXXXXXXX XXXX XXXX  credit card and opened the account on the aforementioned date. For about a month, I used the card without any issues. However, I then encountered unexpected restrictions on my account. 

Attempts to Resolve : I made at least XXXX phone calls to Wells Fargo to resolve this issue, but each time I was told to wait for further mail correspondence. Eventually, I received a letter requesting a XXXX form, which I submitted to the branch on time. 

Account XXXX : Despite submitting the required form, my account was closed a couple of weeks later. I later received a notification stating that my account was closed due to a discrepancy between the income I provided during the application and my income as reported on last year 's tax return. I would like to clarify that my reported income of approximately {$40000.00}, as evidenced by my XXXX and XXXX forms, was accurate and matches what I provided during my application. 

Unfair Charges : I am appalled to have received a final statement today that includes a charge for the annual fee of {$99.00} and approximately {$50.00} in interest. Given that my card was restricted and subsequently closed by Wells Fargo for what I believe is an unjust reason, it is unacceptable to be charged these fees. Additionally, I was not provided with instructions on how to pay the bill while my account was restricted, and now that my account is closed, I have no means to settle the charges.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX at XXXXXXXX XXXX my brother sent me XXXXXXXX XXXX XXXX from XXXXXXXX XXXX in XXXX to my account in JP Morgan Chase. The money was sent in my name but there was a mistake in the account number. My account number is XXXX but my brother wrote XXXX and this is a live account number in JP Morgan Chase. So when the money came ordinarily Chase bank should not have deposited the money into the account knowing fully well that the name did not match the account number. But they did anyway. Now the owner of the account took the money and closed the account. 
I Have put across at least a total of nine phone call to J P morgan chase on this issue all to no avail. The sending bank XXXX XXXX said that they have put a series of fund recall request which they said That Chase vehemently refused to respond to. Even when i call chase to tell them what the sending bank said they will tell me that they can not speak with me on the issue. 
The above narrative is exactly the same with my inlaw in XXXX who also sent me {$120000.00} from XXXXXXXX XXXX in XXXX. The money also went to the Chase account number XXXX. They are the people who have been so frustrated by Chase that they discovered that the money was wrongfully deposited and the person took it and ran.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I feel behind in my payments two months, I went into an agreement with them to pay more money towards the two payments plus my car payment. I have been paying them XXXX for a while now and the payment hasnt change. I asked them to send me a copy of the agreement and they didnt have it. I asked them how is this helping me, when the amount is still the same and not going down. Please I need help.
Consumer complaint received 2022-10-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

In constantly disputing to no avail, Ive continued to bring to bring to the attention of Experian, XXXX, and XXXX the erroneous debt on my credit report the charges and fees. The more I do my part in fairness the more they add or update false unauthorized information, through dates, time-frames, balances, and amounts. For instance ; Experian ( Dept.of EXXXX # XXXX is listed ( 4 ) times with different amounts and opened dates. XXXX XXXX which has ( 2 ) accounts and I've only went to the school once with absolutely no extra funds or renewal at all. 
Which should've fallen off in XXXX this year. The other has the same information and account # dated XXXX XXXX, with ( 2 ) accounts as well when I only attended once and no extra funds as well. My purpose for this complaint is to delete all the erroneous accounts but one because this is not fair. Some how XXXX and XXXX has done the same unauthorized thing. Thank you for allowing my input to be heard in all fairness. 
XXXX XXXXXXXX XX/XX/22
Consumer complaint received 2024-06-24
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.