davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (GA)

XXXX or XXXX I finally spoke to one agent at Ed financial she said I qualified for {$0.00} payment on IDR she never answered if I needed to resubmit paperwork for IDR. She told me to call back again in a week or two and mentioned vaguely transferring stuff. My account currently shows I owe {$590.00} I believe in XXXX. On XX/XX/XXXX or XXXX I submitted an IDR form on student aid.gov I have not received emails from EDFinancial that they received it at all. I have heard nothing about it. I spent weeks trying to get in touch with EDFinancial from XX/XX/XXXX to XXXX. They are rarely answering calls or clearly answering questions. I also filled out forms on the EDFinancial site to apply for IDR on their site. I am currently still trying to contact EDFinancial and sort my account out. I need at least temporary forbearance until I can get this sorted out no one has helped me. I have spent entire days on hold. I have sent emails I have messaged them on fb. I also have letters from them from XX/XX/XXXX and XX/XX/XXXX that state that my IBR isn't set to expire until XX/XX/XXXX. They haven't given me any clear information about what is happening with my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you with an urgency that demands immediate attention. It has come to my attention that fraudulent accounts are still being reported on my credit file, despite numerous attempts to rectify this matter. This is unacceptable, and I will not tolerate any further negligence on your part. 

XXXX XXXX XXXX, XXXXXX/XX/XXXX 

Let me be unequivocally clear : the presence of these fraudulent accounts on my credit report is damaging my financial reputation and causing irreparable harm. I have diligently followed all necessary procedures to dispute and rectify these inaccuracies, yet they persist. Your failure to address this matter promptly is not only negligent but also a blatant disregard for the law and my rights as a consumer. 

I demand that you take immediate action to cease reporting these fraudulent accounts on my credit file. Failure to do so will result in severe consequences for your bureau. I am prepared to pursue all available legal avenues to ensure that my rights are protected and that justice is served. 

Furthermore, I expect a written response from you within the next XXXX business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I demand full documentation outlining the steps taken to investigate and rectify this matter.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 the XXXX, Transunion, and XXXX to reinvestigate these account : XXXX XXXX XXXX XXXX XXXX, CA 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 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 2022-10-09
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. (TX)

fraudulent accounts were identified and disputed with the proper documents and they didn't remover the accounts per the law ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-04-18
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. (OH)

XXXXXXXX XXXX XXXXXXXX you furnished alleged transaction on my XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX : XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-05-17
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. (VA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX 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 2024-07-18
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

I received an alert from XXXX. The alert asked me to verify that my Sephora account had been closed. I called Sephora and was connected to another unit because my account was closed. I spoke to XXXX, and I asked why was my account closed ; according to her Sephora received a call from me at XXXX XXXX  XXXX on XX/XX/24 to close my account. I explained, I did not. I asked if she could verify the my name, address, card number, and last four digits of my social security number was during the call on XX/XX/24. She acknowledged that someone did. Additionally, she said according to the notes, I stated that it never a valid account. By the end of the call, I began to think it was Sephora that closed my account. First, I thought it was the persons I listed in a previous FTC complaint. However, I filed a XXXX complaint XXXX on XX/XX/24 that Sephora and Ulta listed erroneous XXXX information of a denial credit limit increase letter, and notices to decrease credit limits ( these letters were included with XXXX complaint XXXX on XX/XX/24 ). I purposely left the {$100.00} credit limit accounts open until I received a response from XXXX. My card is in my possession ; I have not let anyone use it. Nor have I discussed that I filed a complaint about the decrease letter. I did not close the account. If Sephora manufactured a business transaction to hide wrong doings on their part, I would like to know. My credit is not pristine ; however, my credit scores will be impacted by Sephora terminating my credit account.
Consumer complaint received 2024-02-01
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. (LA)

I did not authorize unknown Non account INQUIRIES dated XX/XX/2024 & XX/XX/2024 from XXXX XXXX XXXX. Identity theft report attached. Please no fraud alerts
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I attempted to withdraw money from my 5/3 Bank account at a XXXX ATM on XXXX XX/XX/XXXX. The ATM whirred, etc. like normal but the door did not open, I did not get my money and it did not provide a transaction receipt. ( This was not the only time this has happened to me. ) I called my local 5/3 branch and was told to contact the dispute resolution dept. I did this, repeatedly, and it has been denied each time. 

During my XX/XX/XXXX call, " XXXX, '' a dispute center supervisor, told me I can NOT have any of the information used in this decision, including the ATM 's video of my transaction ( obviously showing my angry face after I did not receive my money ). I told her the letter they sent states I can request copies of the documents used in this decision. She told me it is a " form letter '' and may not be correct. 

The correspondence and notes related to this are in the attached pdf file. 

Thank you. 
XXXX XXXX
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NY)

I had a package stolen by usps worker, I tried contacting merchant and my account was closed I tried contacting usps and nothing came from the investigation even though packages in area are being scanned delivered and customers never receiving their packages. I submitted multiple disputes with cashapp, I was refunded the money then it was taken out my account again and the dispute was closed with no communication or explanation.
Consumer complaint received 2024-01-10
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2024-08-10
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. (CA)

I recently created an account with Equifax to freeze my credit. After creating a user name and password I used those credentials to freeze my credit. On XX/XX/XXXX I attempted to log in to Equifax to verify my credit was frozen. The login failed saying that my user name / password were incorrect. I verified that they were in fact correct. I clicked on the " help with login '', but received the message that the service was " temporarily unavailable ''. I tried again XX/XX/XXXX, both in the morning and again in the evening, with the same result. Each time their login help was " temporarily unavailable ''. On XX/XX/XXXX I called Equifax and was put in contact with an agent. The agent said the problem was fixed and I needed to wait XXXX minutes to log in. I waited several hours and when I tried to log in I received the same error. I called Equifax again, this time the recording said they could not put me in contact with an agent. The result is I am now locked out of my account and Equifax will do nothing to resolve this. If this was any other company I would just cease to do business with them. Unfortunately we can not opt out of their credit reporting.
Consumer complaint received 2023-09-12
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. (PA)

So I got 14 hard inquires on my credit report transunion and I need help taking it off but need deleting letter so credit report told me to have u guys give me ftc report they they while remove all inquires for me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I have a credit card with XXXX XXXXXXXX XXXX, there where credit inquires from Jpmcb card an XXXX XXXX I never had any business affairs with either company this had a bad effective to my XXXX XXXX can I have these inquiries removed an my XXXX XXXX fixed. 


Thank you XXXX XXXX
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (AZ)

Navient and other student loan companies need to refund FFEL loans that have been approved for borrowers defense. 
Those loans are conveniently " federal '' and untouchable when I filed for bankruptcy many years ago, and " private '' when I was approved for BDTR. They seem to be whatever is convenient for FSA or Navient. Never for us borrowers however.

THOSE LOANS ARE FEDERALLY INSURED AND WOULD BE PAID BACK TO NAVIENT ANYWAY BY THE GUARANTEE AGENCY AND OR FSA!
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX Bank Account # XXXX. XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXXXXXX XXXX XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 : 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 sever 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 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX and XX/XX/XXXX AMERICAN EXPRESS DENIED, DISCRIMINATED AND DAMAGED MY CONSUMER REPUTATION. I DEMAND MY SECURITIES THAT I ISSUED TO AMERICAN EXPRESS BE USED TO OPEN AND FUND MY ACCOUNT. TRUST INDENTURE STATES THE SECURITY INTEREST IN THE COLLATERAL IS GRANTED TO SECURE THE NOTE!! SO WHY WAS I DENIED MY SECURITIES? I ISSUED A SECURITY COLLATERAL ( PROMISSORY NOTE ) THE INTEREST SHOULD HAVE GRANTED ME AN ACCOUNT/CREDIT WITH AMERICAN EXPRESS XXXX 
I BELEIVE MY PROPERTY IS BEING ADMINISTERED WITHOUT MY CONSENT AND I DEMAND IMMEDIATE RESTORATION AMERICAN EXPRESS. AMERICAN EXPRESS RECEIVED A ELECTRONIC CHECK TO OPEN AND FUND AN ACCOUNT FOR A CONSUMER AND INSTEAD STOLE FROM THE CONSUMER. OPEN THE ACCOUNT AND RETURN ALL PROCEEDS OBTAINED WITHOUT MY WRITTEN CONSENT
Consumer complaint received 2024-08-05
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. (FL)

" 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 "