davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (AR)

I applied for a Loan Consolidation and a XXXXncome Driven Repayment plan on XX/XX/2023. I have been attempting to contact Edfinancial once a week ever since then as both applications listed below are pending due to waiting to receive documents from Edfinancial. Like everyone else my student loans will start again in XXXX. I'm attempting to contact Edfinancial to either get them to send the documents or allow my loan to be in deferrment until they are able to process my application ( which states 28 days to complete and we are well beyond ). Each week I call and the wait time is above XXXX minutes, I wait as long as I can, but I never get through, when I give up on hold, I attempt to use their call back option, however, they have not returned any calls. I have emailed each week and they do not respond. I attempt their chat option and live representatives are not available only automated responses that are unable to help. It has been 2 months with over 10 different attempts vial email, phone, and chat, and I have exhausted all other options.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

A XXXX account was opened without my consent by an unknown source. Under the account, several purchases were supposedly made. I have never used the credit card, ever. I had no idea what " XXXX '' was until this issue was brought to my attention. 

A letter dated XX/XX/XXXX by XXXX XXXX stated " Thank you for notifying us regarding the unauthorized opening of the XXXX credit account referenced above. For your protection, this account has been closed to prevent further use. Please rest assured that our experience team at XXXX XXXX  will work to resolve this problem quickly and with as little inconvenience to you as possible. Please know our {$0.00} Fraud Liability policy means you are not responsible for any unauthorized transactions. '' I was assured by XXXX XXXX  my account is now closed, the credit report agencies were notified to remove this account from my credit report, my information was flagged in their system so no other account under my name could be created, and a fraud investigator was assigned to my case. 

As of XX/XX/XXXX, I being charged {$15000.00} in interest and purchases I never made. I have been trying since XXXX to clear up my name with no avail.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2023-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I received a receipt online from XXXX saying that my order will be delivered the next XXXX  for a XXXX XXXX for the amount of XXXX and went on explaining to him that I never purchased a phone and he went on to say I have XXXX or XXXX different accounts open like XXXX XXXX, which they shut down my account for suspicious activity, an open chase account with missing money, XXXX account which is missing money as well and a XXXX  of other XXXX I have no idea how this happened but it's destroying my life i will be in contact with a lawyer for breach of contract please help
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WA)

I have contacted LexisNexis Risk Solutions to get assistance correcting the consumer information they shared with the insurance company that denied my application for homeowner insurance. LexisNexis plans to file a dispute with the insurance company that was the source of the information and get back to me in 30 days. LexisNexis records are inconsistent with the claim history reported by XXXX XXXX as the reason for denying the policy. 
I believe there are 3-parties that have kept incorrect records or reported inaccurately and materially affected my ability to insure my home and keep my mortgage. 
XXXX is XXXX XXXXXXXX XXXX and XXXX XXXX is XXXX  a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, telephone : XXXX. XXXX XXXX Inquiry Record number XXXX XXXX is LexisNexis , who is maintaining inaccurate records and sent a report inconsistent with their records. Loss History Report : Reference XXXX I will provide you with an update in 30 days when LexisNexis has reported on their dispute resolution process. 
This issue is time sensitive as my insurance will expire with no prospect of a new policy. in 60 days.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this request to inform credit Bureaus that I have been a victim of identity theft and to dispute certain accounts on my credit report. The accounts I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

consist daily and evening calling to my home landline ( XXXX ) and my cell ( XXXX XXXX ) using different phone numbers with a name of Portfolio Rec XXXX XXXX  and XXXX prefix, received a call XXXX on XX/XX/year> @ XXXX XXXX  that was disturbing to me that consist of a couple of heavy breathing sounds from a male voice. The heavy sounds freaked me out, because the sound did not appear that the person on the other end, of the call had a XXXX XXXX  problem.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under XXXX U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXX XXXXXXXXXXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXXI - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (VA)

I originally took out a loan with Regional Finance, a second-hand loan company. The original loan amount was XXXX and later on I added XXXX, which totaled my loan to be around XXXX. I started paying on this loan around 2019, and it was supposed to be for 60 months at a 33 % rate. I made several payments on this loan, more than what I borrowed from this company. I know the interest rate was high, however, I never knew it would cost me twice as much. I then contacted the company to explain my concerns, but never got a direct answer. The only answer that was given was, " We are short-staffed and whoever did your loan did something wrong ''. I was told that after 12 months I could refinance the loan for a lower interest rate, well I did and that was false. Needless to say, I continued paying on the loan, but recently I fell on hard times and tried to refinance once again for a lower interest rate, along with wanting the company to explain to me why the loan balance was not decreasing. The company replied, " You have paid more on this loan than you borrowed '' SO the company tried to refinance once again, and this time they did, however for a new loan in the amount of XXXX. I am trying to figure out, how did they get that figure.
Consumer complaint received 2024-05-31
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. (GA)

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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Hi, hope all is well. I am reaching out regarding an issue with Chase Bank on the business banking credit card side. I opened a chase Ink card through Chase with a signup bonus of XXXX back in XX/XX/XXXX. I completed the requirements but was issued only XXXX points. I reached out to the people that I directly worked with to have the acct opened and received no response. 

I also reached out to the support number on the back of the card - the agent confirmed that I should have been credited the remaining XXXX points but a week later, received a letter from Chase saying that I was not eligible. I have escalated this issue to no avail. 

Please see below note and attachments for additional information. Thanks! 

XX/XX/XXXX : XXXX XXXX, a XXXX XXXX employee reached out regarding a XXXX offer for a XXXX XXXX card. I said I will sign up. He connected me with XXXX XXXX who sent me paperwork online. I completed the paperwork and was approved. 

XX/XX/XXXX : Sign Up bonus posts, but only for XXXX. I email XXXX but not surprisingly receive an out of office reply given the holidays. I call chase support and speak with an agent who confirms that I should be getting the remaining XXXX points. ( There was a case ID but i have lost that record ) XX/XX/XXXX : I receive a Letter from XXXX stating that I am not eligible for the XXXX bonus. There is nothing else on it. 

XX/XX/XXXX : I email XXXX XXXX- receive no response. I raise this to XXXX- and still no response. I also raise this in person later in XXXX. 

It's nearly a year and I am resorting to the CFPB for assistance please. Thank you
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MA)

I have spoken with at least XXXX different representatives at Wells Fargo over the past week, including their Executive Office, and can not get anyone to logically review this. I am being over assessed in the Escrow analysis. Wells Fargo has given me a case number of XXXX. My most recent call was today XX/XX/year>. I am waiting for someone to call me back, however given all of the prior calls, I doubt anyone will really look at this. 
They failed to include an estimate for the month of XX/XX/year> escrow and therefore calculated the Escrow Balance Difference at XXXX $ XXXX vs. XXXX $ XXXX This error results in my escrow analysis Projected escrow balance being understated. It should show a starting balance of {$2000.00} not {$1500.00}. 
They are overcharging me by {$500.00}.