davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2020, I was a fraud victim. Chase replaced my accounts with new accounts. 
Chase set me up with a savings account that has a monthly fee of {$5.00}. I did not know this. I think they took advantage of my victimization to get me to sign up for something. 
The interest rate on this savings account is ZERO. ZERO PERCENT. Remember, we currently have the highest interest rates in recent memory, some banks are hitting 5 % interest. 

Who would ever want to sign up for a " savings '' account that has 0 % interest and charges a $ 5 monthly fee? Not me. This is unconscionable. Especially since they signed me up and changed my accounts after I was a fraud victim. This is a scam, this is theft. 

I asked them to reverse the fee, they reversed one for {$5.00}. 

If they do this to XXXX customers, they make $ XXXX a year off this.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Sheffield Financial ( a division of Truist ), XXXX, ran my credit report and used a XXXX party vendor to verify my information ( phone number ). I was initially approved, but when I couldn't verify an old phone number, which I changed over a year ago, they denied me credit. I then proceeded to ask for the company they used so that I may correct the error or dispute it and they refused to provide me that, then I asked for my consumer report and credit they used and they also refused to give me that information then accused me of attempting to commit fraud against myself. A phone number is not an identifying feature of my personal information and they then refused to use my drivers license, check stub, bills, or any other method of verification outside of an old phone number. These people were downright rude and refused my rights to a credit/consumer report so that I may correct the error.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (CA)

The vehicle was turn in on XX/XX/year> in which it had a {$0.00} balance I have all proofs and also I letter from Mercedes. This company keeps on sending me balance and calling me.
Consumer complaint received 2023-04-17
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. (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. 

Account name : XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

at XX/XX/XXXX ... I made a request to XXXX XXXX XXXX through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to Equifax company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
Equifax confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
Consumer complaint received 2024-05-05
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. (NM)

i have recently discovered that someone has been using my personal information to obtain goods and services and using my identity, this makes me a victim of identity theft. 
i have taken all the steps to file reports to support my claim on these frauddulent accounts.please see attached supporting documents to support my claim on these fraudulent accounts and then p [ lease remove all fraud accounts from my personal credit report. 
thank you.
Consumer complaint received 2024-05-13
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. (VA)

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on my XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-05-08
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. (MD)

I reached out to the company multiple times asking about ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that they send me a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I ask that they remove all information associated with this debt from my credit report immediately.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (LA)

CFPB Complaint : Credit Resource Management - Debt Validity Dispute I. Introduction I am filing a complaint against Credit Resource Management ( CRM ) regarding the validity of a debt they are attempting to collect. This complaint disputes the assignment of the debt and the validity of the trilateral agreement. 
II. Parties Involved Complainant : [ XXXX XXXX XXXX ] Debt Collector : Credit Resource Management ( CRM ) III. Dispute I am disputing the validity of this debt for the following reasons : Assignment of Debt : I have not received any verification of the debt assignment from the original creditor to CRM.

Trilateral Agreement : I have not received a copy of the trilateral agreement between myself, the original creditor, and CRM. 
Belated Debt : ( Optional - Only include if applicable ) I believe this debt is past the legal statute of limitations for debt collection in my state.

IV. Request I request that Credit Resource Management : Cease all collection efforts until the validity of the debt is established.

Provide verification of the debt assignment from the original creditor.

Provide a copy of the trilateral agreement.

Investigate the validity of the debt based on the statute of limitations in my state.

V. Additional Information ID and Proof of address VI. Closing Thank you for your time and attention to this matter. I look forward to your prompt response and a resolution to this dispute. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. (SC)

I have disputed with all three credit agencies multiple times to have my account XXXX. of XXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
XXXX - I disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

TransUnion - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to one or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX  XXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.
Consumer complaint received 2024-05-08
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. (LA)

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 Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-05-05
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. (NJ)

XXXX XXXX XXXX - XX/XX/year> XXXX-XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XX/XX/year> These companies have fraudulently pulled my credit without my authorization. I do not recognize any of these inquiries. I have spent a lot of time trying to reach out to these companies and they do not respond to me with proof that I opened these inquiries. I believe these are fraudulent and I am a victim of identity fraud. I am demanding these inquiries be immediately removed or I will take legal action. I am also filing an FTC report. Please help me get these removed, thank you.
Consumer complaint received 2024-09-15
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-08
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. (NY)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PR)

at XX/XX/XXXX ... I made a request to Rushmore Loan Manage through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XX/XX/XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to XXXX company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
XXXX confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NH)

In XXXX I took out a mortgage with my wife. In XXXX XXXX we divorced. Per our divorce decree she was to refinance or modify and take me off. The mortgage company modified the loan without my acknowledgement which caused me to become ineligible for another loan for 3 years. They did not obtain my signature or permission to do the modification. 

They refuse to take the loan off my credit report XXXX the loan is current ) and it shows a modification and I am told there is a 3 year waiting period. My damage is that I can not move on and purchase another home because they did a modification without my signature.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-07
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: The Aligned Company DBA Extra (NY)

on going messages I known charges from one specific company XXXX is an unauthurized charge there were multiple charges from thos company but they want the charge to thru first then dispute it the XXXX is not going thru but still this company wants it to go thru I try cancelling but they threatened if I don't pay the unauthorized charge they will report to credit bureaus as non payment
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I made a payment of {$6200.00} on XXXX and my full payment amount has not been processed. They claim that because the payment was made within 120 days of dispersant that only partial payment was made. {$3700.00} was applied to the loan and still waiting for {$3000.00} to be processed. I have contacted multiple times and no resolution has been made other then be patient.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I requested my credit report from three major credit agencies. On XXXX credit agency, I noticed a credit card account on my XXXX credit report. I contacted XXXX, letting them know I dont have a Citibank credit card. XXXX informed me that the account has me as an authorized user. I didnt give anyone permission to put me as an authorized user, so its a fraudulent account. I requested XXXX to remove that from my credit report. Two weeks later, Citibank , N.A . sent me a letter dated XX/XX/year>, saying they were not removing it. Citibank , N.A . noted in the letter that they are not removing it as long as Im an authorized user. They are not even saying which account it belongs to, so I can see if I know the credit card holder. The letter said I could contact them at the phone number on the back of the letter. It was only a mailing address, not a phone number. Im requesting Citibank, N.A., to remove that credit card account number XXXX. This card no : was on the top right-hand corner of the letter dated XX/XX/year>. I will fax CAG, OCC, a copy of the letter from Citibank , N.A .