davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I was unable to make payments on my student loan due to financial problems. I contacted sallie mae/navient in 2016 to see what my options were. I had heard of income based repayment options and possible refinancing. Sallie mae/navient told me i would not qualify for refinancing and told me my best option was forbearance. They pushed me hard to get me to forbear my loans, which i did. I feel i was lied to about my options, and on top of that was given 5 % late fees whenever i missed a payment. I feel these are predatory actions and sallie mae/navient needs to be punished for their actions.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IN)

Ive been locked out of two accounts since XX/XX/XXXX at Ally Bank. I received an email Friday, XX/XX/2023 : We regret to inform you that we were just made aware of an incident that resulted in unauthorized access to your personal information. 

Out of an abundance of caution, we have proactively placed a restriction on your account. Please call us at your earliest convenience at XXXX and press XXXX so that our team can help. 

Please do not reply to this email. 


I called twice on Friday, twice yesterday ( XXXX ), and once this morning. No one can ever tell me what is going on. No one can ever help in any way. I always have to talk to someone else, and some other dept. fraud dept ; loss prevention dept, APO dept, account take over dept. 

Ive talked to 6 different people. But no one helps in any way or explains anything. 
Ive waited on hold twice for 30 minutes, and once for 15 minutes. 

They refuse go put anyone on the phone who can discuss the matter.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

-This complaint is for Chase Bank -Regarding Debit Card Fraud -We 've called XX/XX/XXXX and placed a claim with them and they have rejected our claim on XX/XX/XXXX -We tried reopening our claim and they still refute our claim and refuse to refund the Fraudulent charges listed below -We had unauthorized charges on our debit card twice for the amount of {$200.00} each time totaling {$400.00}. 

-First Unauthorized Charge : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  Charge Date : XX/XX/XXXX Statement Date : XX/XX/XXXX Amount {$200.00} -Second Unauthorized Charge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Date : XX/XX/XXXX Statement Date : XX/XX/XXXX Amount {$200.00} -FYI Supplemental Evidence : Our credit number was also used for a fraudulent charge for the same amount, same vendor, same day and location and their separate Chase Credit Card Team acknowledged and refunded us the stolen amount for the credit card. However, the Chase Debit Card Team refuse to look at this highly coincidental evidence even though its the same bank
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Request for Reinvestigation per 15 U.S. Code 1666b Section 1637 ( b ) I am writing to request a reinvestigation regarding a debt reported on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXXXXX ). According to 15 U.S. Code 1666b Section 1637 ( b ) states that you can not treat a payment as late unless they have adopted reasonable procedure designed to ensure that each periodic statement include information required therefore, information related to this debt should have been mailed or delivered to me no later than 21 days before the payment due date. Moreover, 15 U.S. Code 1681a states consumer report should not contain any information solely as to transactions or experiences between the consumer and the person making the report. I was not aware of this account before it was reported. I received no written communication regarding this account. If this account is not handle account to the law, I will have to take this matter to court. 
I kindly ask for a thorough review of this matter and the removal of any inaccurate information from my credit report. It has come to my attention that you failed to investigate that matter. 
Thank you for your prompt attention to this request.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have Inaccurate information on my credit report. I have made this known in the past and as an example I requested that my XXXX address and XXXX phone numbers, Employers etc. Also there are When these things were taken off and then a few months later it back on there again. Please see and read my handwritten letter. I am requesting that a live Human Being read and correct my Credit Report. Again I am requesting to have my credit report cleaned up at once. 


I have put XXXX and XXXX on Notice
Consumer complaint received 2024-08-31
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: CITIBANK, N.A. (IN)

XXXX XXXX provided a merchant offer with 8 % back for purchases made at XXXX. I enrolled the offer and made a purchase of {$760.00} on XX/XX/year>. However, I haven't received the cashback as stated in the offer, and surprisingly found out that Citi bank changed the offer to 1.5 % back. I reached out to the customer service and escalated to supervisor level to resolve the issue, both agents insisted the offer is 1.5 % back and refused to acknowledged it was 8 % when I enrolled the offer.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been removed.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd. (FL)

Several calls are being made by the Leviton Law Firm stemming from different area codes and jurisdictions. False names/ identities are being used as the person leaving messages attempting to collect an alleged debt. The do not provide their contact details nor do they/have they submitted any debt verification in writing. The only unethical and illegal tactics ( identity theft/fraud ) - assuming the identity of a non-existent person- are made via telephone. Additionally, they are now making extortive threats alleging serious and complex litigation that " would be best avoided '' by use and pose " serious '' problems for us. SUMMARY : They are using assumed and false identities and
using telecommunication devices to perpetuate their identity fraud and theft. This firm does not adhere to any legal standards as supported by the FDCPA and the CFPB regulations.

We respectfully insist this firm and their tactics being deployed by ADMINISTRATIVELY pursued for complete and full remedy - to include involving the FTC as well as the US Attorney for IL as well as the FBI pursuant to the use of telecommunication devices in perpetuation of the use of false identities and other illegal tactics via telecommunication devices.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-01
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. (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 Account Number : XXXX has violated my rights. Or 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 2024-08-21
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

1. Wellsfargo card Account closed on XX/XX/XXXX 2. XXXX XXXX Account closed on XXXX XXXX, XXXX 3. XXXX XXXX XXXXXXXX Account closed on XX/XX/XXXX 4, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX, XXXX 5. XXXX XXXX Account closed on XXXX XXXX, XXXX 6. XXXX XXXX Account closed on XX/XX/XXXX All late payments on these accounts started when the covid-19 pandemic started. I did not receive any notification for payment. I would like for you to remove these accounts off of my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my most recent consumer report, I noticed bankruptcies listed that I believe to be inaccurate. I have concerns that this may violate consumer privacy protections under 15 U.S. Code 1681a ( 4 ). These bankruptcy entries should not appear on my credit report, and I'm concerned my personal information may have been improperly disclosed without my consent.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with USC FCRA 605B, it is crucial to promptly remove this account. I am quite frustrated that it is showing up on my credit record, so I earnestly request you to erase this account as it does not belong to me.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-27
Product: Credit 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: ENCORE CAPITAL GROUP INC. (MI)

I kept my card balance paid and up to date. I was actively building my credit score. I noticed a large purchase one day of over {$600.00}. I immediately called the credit card company to dispute. We discovered while on the call that the charge was made in Florida. I advised the company that this was fraud and they advised me that they mailed a card out to Florida in my name to an address in Florida because someone was able to call and verify my email and password so they shipped the card to them. I was distraught. While speaking to them and advising that I have never been to Florida and did not authorize these charges, they assured me that if I faxed them a copy of my I.D . they would fix the charges and close the account. I sent my I.D . that week and called several more times. They closed the account and did not reverse charges and now reporting negatively on my credit report. I would like to mention that they advised me that and payments of {$600.00} plus dollars were being charged and paid from Florida a few times during this period. I have now a fradulent Florida address on my credit report. I have this week called each credit bureau to have this removed/corrected. Midland Credit Management which represents XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX refused to correct this issue and is determined to bill me for fraud. I refuse to pay these charges and will continue to fight for my credit worthiness since they helped these scammers steal my identity and sent cards out without my knowledge or consent.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

i am a survivor of XXXX  and XXXX  XXXX and my information was used in the process of those crimes. i have filed a police report with my local authorities as well as with the ftc. im seeking relief under regulation v and the debt bondage relief act. please assist accordingly thanks in advance
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (LA)

A debt collection agency named Radius Global Solutions placed a tradeline in my consumer reports without providing information regarding the alleged debt they are attempting to collect. They are violating my rights to privacy per the Privacy Act of 1974 5 USC 552a, damaging my reputation per 15 USC 1692d ( 1 ), reported unvalidated information, a violation per 15 USC 1681s-2 and have not allowed me the chance to dispute the account a violation per 15 USC 1692g and 12 CFR 1006. This company has not provided me any disclosures as required per the Debt Collection Rule.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause XXXX XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report 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.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXX XXXXXXXX please remove this inaccurate item.
Consumer complaint received 2024-04-27
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX. Ive been a victim of identity fraud. I have no knowledge of these accounts and would like these items deleted they have on my credit and I would like to get that fixed.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.