davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/XXXX, I received a call from an individual identifying himself as " XXXX XXXX '' from a debt collection agency. He informed me that my drivers license had been suspended due to a debt allegedly related to a car purchase made in XXXX. The amount in question was approximately {$500.00}. However, I have never received any formal documentation or written notice regarding this debt, which should have been provided by law. 

During the call, I repeatedly requested verification of the debt and clarification of the charges. The collector became increasingly hostile and aggressive, talking over, belittling, and implying that I was committing fraud. When I mentioned I would consult my father, a lawyer, to verify the details, the collector threatened legal action, including serving me with papers, and continued to pressure me to make an immediate payment without providing proof of the debt. 

I attempted to resolve the situation by asking for verification via email, but the collectors aggressive tone and threatening statements left me feeling unsafe and pressured. I felt that the companys behavior was inappropriate, and I suspect this may be a fraudulent attempt to collect money using scare tactics.

Actions Taken by Me : I requested verification of the debt and refused to make a payment until I received proper documentation. 
I informed the collector that I would seek legal advice and call back once I had more information. 

Actions Taken by the Company : The collector refused to verify the call. 
The collector threatened legal action and served papers within 103 days, further escalating the situation. 

I am seeking legal action against the company for its aggressive and threatening behavior and verification of this debt. If the debt is found to be fraudulent, I request that all records be cleared, and I be protected from further harassment.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Had my business accountant look through my XXXX year student loan payment history. He feels overpayments were applied incorrectly and were not applied to the principle correctly on many occasions. I have contacted Navient in the past and XXXX assured me that payments were processed correctly. I have no background in financial accounting so I can not confirm that is the case. I'd like Navient ( my student loan servicer ) or, preferably an independent XXXX XXXX review my payment history to confirm that all standard payments and overpayments were applied correctly- as Navient has a long, well documented history of erroneously processing and applying payments.
Consumer complaint received 2024-05-15
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. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-15
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. (CA)

This account is not CLOSED. my credit limit increased by {$1000.00} this month. closed accounts dont raise credit limits. All three credit agencies needs to report the account as open.
Consumer complaint received 2024-05-15
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (FL)

I made a payment from my XXXX XXXX  account to my Barclay 's NFL Card for {$780.00} electronically on XX/XX/2022. The payment should of went to the new company that Barclay 's sold the XXXX card to XXXX XXXX. My bank XXXX sent me the information showing that my electronic payment cleared through Barclay 's but Barclay 's never sent the payment over to XXXXXXXX XXXX or sent the payment back to me. When a bank or financial institution bulk transfers accounts from one custodian to another it should have the ability to sweep to the new account for a time period of at least 90 days. Barclay just held the money for my payment of {$780.00} or transferred my payment to the wrong institution. I have been trying to locate my electronic payment over a year now. I am both confused and concerned how nobody has an audit trail for an electronic payment getting paid into a financial institution that is required to maintain all of this pertinent data. This information being maintained is required by ( REGULATION E ) Governed by the CFPB I am attaching all the information from XXXX XXXX showing I made this payment and also a copy of my bank statement showing the electronic payment went to Barclay 's and cleared at Barclay 's.
Consumer complaint received 2024-05-15
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-15
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. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I am filing complaint as I found inaccurate information AMERICAN EXPRESS accounts. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2024-05-15
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. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-15
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. (MA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2024, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2019-04-26
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: JPMORGAN CHASE & CO. (MD)

I made a purchase from XXXX where I was buying a prep course on XXXX XX/XX/2017 in the amount of XXXX. The course was not as described and I provided documentation ( emails ) from the vendor describing the total price of the course and the purpose of the course. Following this review class, XXXX significantly updated the class since it was horrible. So I attempted to dispute the issue with Chase, but the vendor said I only purchased books. I provided additional documentation that I already purchased the books and Chase denied the charge back. I have made several attempts to get my money back but neither the vendor nor Chase is reviewing the documentation. Chase should have reviewed the information I provided. Why should the customer be responsible if the company sells a product but delievers a different one. Then they dispute what they sold.
Consumer complaint received 2024-05-15
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, 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. (AL)

I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.
Consumer complaint received 2024-05-15
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-15
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-15
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. (AZ)

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 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concerns regarding the practices of XXXX As a consumer, I have encountered several issues that I believe warrant investigation by your esteemed bureau. 

Furthermore, I urge the Consumer Financial Protection Bureau to thoroughly investigate these matters and take appropriate action to ensure that XXXX adheres to all applicable laws and regulations, and that consumers are protected from any further harm.
Consumer complaint received 2024-06-03
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. (NC)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I am issuing a complaint against XXXX XXXX XXXX as well as National Credit Systems. I was a tenant with XXXX XXXX XXXX for roughly 6 years. When I moved out in 2021, I did a walk through with management, turned my key in along with my badge to the gate and fitness center. Management stated the apartment unit was in good condition and that all balances were satisfied. They did not mention any additional fees such as cleaning fees or anything of that nature. On XX/XX/2021 I received a balance due email reflecting a balance of {$0.00}. Several moths later I was contacted by National Credit Systems stating that they had purchased a debt that I had with XXXX XXXX XXXX. I advised them that the charges were bogus and that I had received an account balance of {$0.00} from XXXX XXXX XXXX and asked them to remove the charges. Instead they reported to all three credit Bureaus ultimately resulting in my credit score being negatively affected as well as causing me to be denied for an apartment to which I lost {$300.00} for application fees, etc. I disputed with all three credit bureaus and they all came back and said they contacted National Credit Systems who stated that the charges were valid although I provided all three credit bureaus with the letter of XXXX account balance. This entire situation has caused me a lot of unnecessary time and energy. I am submitting a complaint against XXXX XXXX XXXX for bogus charges. I also wrote a negative XXXX review for them and much to my surprised there were multiple XXXX reviews stating that XXXX XXXX has also done this previous tenants. I am also issuing a complaint against National Credit Systems for not doing their due diligence and reporting these bogus charges to the credit bureaus. Thank you.
Consumer complaint received 2024-05-15
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (CA)

I used affirm to pay for a hotel room booked through XXXX. When I went to go check in with the hotel they informed me that there was no reservation created. I have tried disputing this to affirm but they keep siding with the merchant XXXXo despite all the evidence I have provided.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I asked the lender mid XX/XX/year> to cancel PMI. I got two communication letters on end of XXXX and early XXXX on instructions and options to cancel PMI. I submitted requested appraisal check and written request to them by mid XX/XX/year> and followed up by calls and online chat systems several times since. Every time I follow up with them I get a new date that is pushed back by few weeks. In my last comm with them they say a decision is expected by end of XXXX. This is despite the fastest option I chose for appraisal ( XXXX XXXX XXXX ). I am not sure now even if they are going to stick to the latest due date they provided and meanwhile keep charging me for PMI. The issuance of a brand new mortgage took less than 30 days from the lender but removing a PMI is taking close to 3 months. How that makes sense?
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TN)

Naver got contacted and tried to collect around {$300.00} from me claiming they tried to contact the other lease holder for the apartment adding interest cause i havent lived there in several months. Showed up just recently when i was attempting to pull a car loan and made my credit go from XXXX to the XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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. 

U.S. BANKRUPTCY COURT : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX IN : # 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 : 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.