davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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)

On XX/XX/XXXX th, XXXX, The Creditor, XXXX XXXX XXXX sent an email informing me that they deleted their negative reporting from my credit report. It reads : XXXX XXXXXXXX XXXX has requested that the major consumer reporting agencies either change XXXX XXXX XXXX  's tradeline, concerning this Account ( my credit report shows two accounts, where XXXX XXXXXXXX XXXX  allowed someone to open another account in my name and make fraudulent charges, after having a security alert and credit freeze on my credit file ). 

They knew the accounts had received multiple fraudulent charges, so I sent them the police report and FTC report to have the account deleted. They then sold the same accounts to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when they knew they were deleted and paid, due to Identity Theft. Is that not illegal? Is that ethical? How are there two accounts for the same company, that opened around the same time? One was opened fraudulently and one was used to make fraudulent charges on my credit accounts that thieves stole from my purse, while I was in the gym. A police report was sent as well. As of today, XXXX XXXX XXXX XXXX XXXX, XXXX is still trying to collect funds on a closed debt. I demand they remove these inaccurate collections accounts from all of the major credit bureaus reporting negative information.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I made an ACH transfer of {>= $1,000,000} between accounts at Bank of America. The ACH was held until XX/XX/2022 when it finally went through from one account to another. The funds remained in my account until XX/XX/2022 when the funds were debited from my account but not returned to my other account. Bank of America tried to construe the transaction as a check deposit from one account to another, but there is no way it could have been processed as a check deposit with only a deposit slip which is how Bank of America tried to explain this transaction. This is impossible. The ACH transaction was an approved transaction that was in my account for over five business days when it was debited with no explanation nor any explanation of where my funds went. My many attempts to have Bank of America explain where my funds went have been repeatedly stonewalled and Bank of America refuses to provide all accounting to justify their actions against me. I have reported this transaction to every Federal agency that investigates such matters including the FBI, FTC, XXXXustice Department, SEC, state law enforcement and state attorneys general and local law enforcement. This matter is still under investigation with these agencies.
Consumer complaint received 2018-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I enrolled in the Income Based Repayment ( IBR or IDR ) on XX/XX/XXXX based on XXXX XXXX advice to have up to {$17000.00} of loans forgiven under the XXXX loan forgiveness program and a future opportunity for Public Service Loan Forgiveness ( PSLF ). Ive maintained employment with Title I public schools in an effort to obtain XXXX loan forgiveness after 5 years, yet now that Im finishing my XXXX year in XXXX XXXX I have been told if I take the XXXX  loan forgiveness, I will not be able to count any of the qualifying 60 payments towards PSLF. 

Ultimately, I decided to stay XXXX for a full 5 years at a XXXX XXXX institution after learning about the loan forgiveness options from my lenders. XXXX XXXX and Navient advised me to continue with IDR toward XXXX  loan forgiveness, but I never would have stayed employed with a public school if I had known about this discrepancy. My career decisions were directly related to how I was advised and counseled on my loan repayment options. I worked at XXXX XXXX XXXX for XXXX consecutive years thinking all along that I would have an opportunity for partial teacher loan forgiveness at the end, only to be told if I take that relief I will have to start 10 years of PSLF payments all over again. 

I now find myself in a payment plan known as the J-payment. Technically, this still falls under the IDR plan, but I never officially knew about my plan until XX/XX/XXXX. I fall into this category because my IDR plan lapsed on XX/XX/XXXX, and I defaulted to this new plan. This is just one example of how I have been misguided over the years and placed into various plans without adequate explanation. 


XX/XX/XXXX beginning of income driven repayment XX/XX/XXXX IBR plan submitted again ( not fully advised on what this meant for future payments or loan duration ) XX/XX/XXXX officially put into J-payment XX/XX/XXXX first payment in inactive J-payment plan since didnt renew Currently in inactive J-plan ( 60 months of payments made toward PSLF if I dont take XXXX  loan forgiveness )
Consumer complaint received 2024-06-21
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)

I submitted documents to Experian in regards to human trafficking - Experian has decided to ignore the Rules and Regulations that have been established by the United States Congress by stating the NGO provided is not authorized to make the determination of human trafficking. They are causing me great harm by prolonging my recovery efforts. Furthermore, I have provided more than enough information that supports who I am and my identity to Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions.

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to XXXX XXXX  responses confirming the deletion of these items from my credit file. 

Please send your written response to my address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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. (GA)

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 2024-05-09
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX action requested ; To have illegal hard inquiries removed
Consumer complaint received 2024-06-27
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)

My account with XXXX XXXX. XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX XXXX. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-10
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 wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (PA)

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.

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 2024-06-21
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : AN # XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (TX)

I am writing to complaint to REGION/AMS/REGIONS BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
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: Experian Information Solutions Inc. (OH)

These accounts have been beyond illegal and I will keep complaining. Please remove these illegal fraudulent old accounts off my report. Please remove this! 

**Collections/Charge Offs** XXXX XXXX XXXX  Balance {$13.00} XX/XX/2024 XXXX XXXX XXXX Balance {$57.00} XX/XX/2024 XXXX XXXX Balance {$150.00} XX/XX/2024 **Inquiries** XXXX XX/XX/2024 XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 2024
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (SC)

As a federally protected consumer I am writing to file a formal complaint against Navy Federal Credit Union for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It has come to my attention that Navy Federal Credit Union has been engaging in illegal reporting practices, specifically stating that accounts are closed every 7 days. This not only violates the FCRA but also constitutes harassment under the FDCPA.

According to the FCRA, each violation may result in a settlement of {$1000.00}. Therefore, I demand compensation for the damages incurred due to these repeated violations.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank repeatedly places holds on my deposits for excessive amounts of time. This has only started happening in the last few months. I have had repeated paper check deposits from my employer into this account for the last XXXX  years ( approximately ) with perfect account standings and never a bad check. Most of these holds ( dated below ) have been placed for over XXXX  days unless I call to have them released. I understand a hold for a reasonable amount of time, but these are interfering with the way I do business and are unacceptable. 

XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit It seems obvious to me that Chase is likely doing this to thousands of customers daily and earning massive gains on other people 's money. All three of these deposits have been large amounts ( as normal )
Consumer complaint received 2024-05-10
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. (KY)

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below a

s Fraudulent. Please remove all from my credit report. 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. 
Items listed above, have 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 ( AN ( 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. 

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX  XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.