davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE (IN)

XXXX XXXX, 2024***Dear XXXX XXXX XXXX XXXX XXXX & Co-Chairman at Charles Schwab ** **Re : Notice of Misrepresentation of Material Facts and Potential Breach of Fiduciary Duties** I acknowledge your response regarding the status of the accounts in question. However, your communication contains a material misrepresentation of facts, and I must inform you of potential breaches of fiduciary duties that have occurred in this matter. Firstly, your assertion that the accounts " have no value and are closed '' fails to address the issues surrounding the collateral that rightfully belongs to the Estate of the account owner. The nonresponse to these critical issues, particularly concerning the collateral, could potentially constitute a violation of 18 U.S.C. Chapter 77, which addresses crimes related to peonage, slavery, and trafficking in persons. Specifically, the failure to account for or return collateral that is properly the property of the Estate may be seen as an attempt to unjustly retain or convert assets that do not belong to the intermediary, thereby facilitating financial exploitation. As a result of the banks default in this matter, it has exposed itself to substantial damages. The ongoing breach subjects the bank to a claim for damages in the amount of {>= $1,000,000} ( XXXX XXXX dollars ) per day that the breach continues. Please note that this failure does not alter my rights regarding the use of closed account checks to recoup the consideration that has moved from the account owner to the intermediary, Charles Schwab & Co. , Inc . The recoupment of this consideration is not only a matter of equity but also a legal right that remains enforceable despite the current status of the accounts. In light of the serious nature of these issues, I expect a prompt and thorough resolution. Failure to address and rectify these matters will not only exacerbate the banks liability but may also lead to further legal actions to protect the interests of the Estate. Thank you for your immediate attention to this matter. **Sincerely, ** **XXXX  XXXX XXXX XXXX representative XXXX [ Case Number : XXXX ]
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (FL)

I have been disputing these accounts for several years due to having my credentials stolen. I reported to the 3 credit bureaus and still, the account is affecting my credit. The other parties can't provide an agreement contract as evidence of those accounts which does not belong to me and I am asking the 3 departments to delete these accounts from my credit. I have been calling the 3 credit bureaus and they have not taken care of this matter. These are the accounts affecting my credit. Alleged Account 1.Nelnet - XXXX {$20000.00} 2. XXXX XXXX XXXX XXXX- {$1000.00} 3. XXXX XXXX XXXX XXXX- XXXX {$560.00} {$340.00} 4. XXXX XXXX XXXX- {$5000.00}
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: EQUIFAX, INC. (IL)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following REPORTING OF UNAUTHORIZED INQUIRY ... XXXX XXXX XXXX DEALER- XX/XX/2022 2022
Consumer complaint received 2023-04-21
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. (CA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX  has violated my rights. Under 15 U.S.C. 1681, section 602a, section 4 states, I have the right to privacy. 15 U.S.C 1681b 604a section 2 also states, any consumer reporting agency my not furnish an account without written instructions of the consumer to whom it relates. This law only provides for a maximum length of reporting time, not a minimum length of reporting time. As such, this reporting is in violation of the law the Fair Credit Reporting Act. Not only that, Truth in Lending Act 15 U.S.C. 1601b states, a creditor may not treat a payment on an open ended credit account as late for any purpose. Continuing to report this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.
Consumer complaint received 2024-06-22
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor 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. 16815-2 ( 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 2024-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

YOUR COMPLAINT In XXXX of this Year all of my information was compromised online. This resulted in a lot of fraud on my main checking account as well as my credit cards. Way too many to list My bank is or was JPMorgan Chase.

I am now filing a case with the receiving bank because I feel that, as the customer, I am getting XXXX  so far. 


What would be a fair resolution to this issue? 
I have had all of my accounts shut down and have no access. The fair resolution would be paying me back all the money involved in the fraud. Other credit card companies that were also involved have taken care of their charges, but Chase is dragging their feet after I have done most of the legwork. This has been going on now for 4 months. I have been a Chase customer since 2018 and their decision was to 'terminate ' their business relationship with me. This whole thing is ridiculous and as i said, they owe me more that {$50000.00} and I have all the paperwork to back this all up.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Sunday XX/XX/year> I used XXXX for the first time through my Truist banking app. 
Immediately following I received an email from Truist stating : " Your XXXX payment is on hold. Head 's up, your payment is under review. '' email received XX/XX/year> at XXXX XXXX. I called Truist at XXXX ( XXXX mins after receiving e-mail. ) I explained that I called the recipient of the XXXX to verify and found out they were hacked and did not initiate the payment, I said this is a scam, I DO NOT authorize this transaction, the gentlemen assured me he would stop the transaction ( it was pending and on hold ). After spending 4-hours on and off of hold with Truist, he told me he did not know how to stop it. I figured it was a Sunday so I would go into my branch in the morning to stop the still on hold, pending transaction. 
The manager XXXX XXXX had me come into the branch, she did nothing to help me although the transaction was still pending, and I said it was a scam. I filled out a transaction dispute, but it was denied, without talking to me or asking any questions. I have the e-mail from Truist, my phone records showing me on the phone with Truist for hours on Sunday XX/XX/year>. They let the {$500.00} be sent anyway although I said it was fraud and I do not authorize.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

Account name : XXXX Account number : XXXX Account charged off. {$460.00} written off. 

Account name : XXXX Account number : XXXX Account charged off. {$990.00} written off. 

Exact wording used when disputing with XXXX : " These XXXX are charged off accounts, if this account was indeed charged off. I did not receive a copy of a 1099c from the creditor. They received a tax write off and this debt should not be reported on my profile. Send me any forms are documents showing that you have the right to report this as debt, if you can not REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. " Steps I took : Asked creditor to send me any forms are documents showing that you have the right to report this as debt, if you can not REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (NV)

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, I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I DO NOT HAVE A CONTRACT WITH XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. 

I requested that all negative items to be remove from my XXXX, XXXX XXXX XXXX XXXX XXXX credit report. I in fact asked the companies to provide me with all documentation that they have which proves that I owe any debts for the account that is reporting as a collection account. Any documentation requesting for my credit report to be pulled resulting in a hard inquiry. This information is damaging my credit reputation and I am unable to obtain financing for my household. 
I do not agree with the information that these companies are reporting on my credit and I ask for it to be to removed it permanently.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XXXX, I called Capital One to inform them that I wanted to revoke XXXX authorization to XXXX, XXXX and block them from future withdrawals. XXXX, XXXX was notified of this weeks prior. Capital One issued a provisional credit for {$310.00}. Later they reversed this credit stating that they completed their investigation and considered the matter closed. 

Authorization to the merchant was revoked. They were blocked. That money should be returned to my account. A consumer has the right to revoke authorization at any time with ample notice to the merchant and bank and yet Capital One refused to do so.
Consumer complaint received 2024-08-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I am asking for an application to submit for student loan forgiveness. I was denied via email. My school, XXXX XXXX XXXX XXXX XXXX XXXX XXXX down due to unlawful tactics and for profit gains. They have had multiple lawsuits, loans forgiven, and are no longer in existence. My federal loans have been XXXX because of these tactics, and I have made payments throughout the last XXXX years. I am asking for my loan to be reviewed as I feel the school used aggressive and deceptive recruitment tactics, pressuring me to enroll and take out loans, while discouraging me from discussing my decision with family and friends. I was XXXX at the time, and my family was not educated financially when it came to my decision. The school made untrue or misleading statements to persuade me to attend, and I feel, through the facts of the situation, I should receive an application. This is for my private loan that Navient is now offering this service.
Consumer complaint received 2024-08-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Subject : Formal Dispute of Delinquency on Credit Report Dear Sir/Madam , I am writing to formally dispute the delinquency reported on my credit report concerning my accounts with Chase Bank . The account details are as follows : Account Number : XXXX XXXX XXXX XXXX Date of Delinquency : Date Listed on Credit Report XX/XX/2024 Account Number : XXXX XXXX XXXX XXXX Date of Delinquency : [ Date Listed on Credit Report : XX/XX/2024 Reason for Dispute Upon reviewing my credit report, I was surprised that XXXX delinquencies had been reported without my knowledge. I was never notified of this delinquency nor allowed to address it before it was reported to the credit bureaus. As a responsible consumer, I take my financial obligations seriously and believe this delinquency was reported in error. 

Violations of Consumer Protection Laws This situation raises concerns regarding the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. Reporting this delinquency without notifying me violates the FCRAs requirement that accurate and complete information be reported to the credit bureaus. I request that you investigate this matter and remove the delinquency from my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : If this delinquency is related to any debt collection activity, I was not provided with the necessary verification of the debt, as required by the FDCPA. I request that any debt collection activities cease until this matter is thoroughly investigated and resolved. 

The Truth in Lending Act ( TILA ) requires clear, precise, and accurate disclosure of loan and credit terms. If this delinquency stems from a misunderstanding of my account 's terms, I was not properly informed, and I request that the delinquency be removed. 

Equal Credit Opportunity Act ( ECOA ) : I expect this issue to be handled fairly and without discrimination. If any decision on this delinquency was made based on inaccurate information, I request an explanation, as required under the ECOA. 

Fair Credit Billing Act ( FCBA ) : If this delinquency relates to a credit card account, I could not dispute any erroneous charges or billing errors before this adverse information was reported.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2023 My credit score was around 740 or better on all three credit reports to include TransUnion. After I paid off a couple of credit cards some review TransUnion did got two of my my accounts closed the greatly impacted my credit score.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (PA)

A family member XXXX XXXX transferred {$5000.00} cash into my PayPal account for living expenses, but PayPal charged a {$150.00} fee and then placed a hold on {$2800.00} without any explanation. This hold prevented me from paying my utility bills, which resulted in a shutoff notice. When I reached out to PayPal about this issue, my inquiry was forwarded to another department ( XXXX ), who responded with a rude and unprofessional email that didnt address my concerns. It was clear that they hadnt thoroughly reviewed my account, as the only negative transactions were refunds I initiated for testing software products as part of my job as a mystery shopper. I have a one-year guarantee from the developers to return products if they dont meet my expectations, which is completely within my rights. There is no fraud or misrepresentation on my account. PayPal 's assumption and subsequent hold on my funds caused unnecessary delays in my payments and late fees, which I find unjustifiable. There have been no fraudulent attempts on my account, and if PayPal had taken the time to communicate with me, they would have understood my situation better. Instead, they mistakenly believed the refunds were from customers, when in fact, they were all refunds to me, the account holder, for testing these products.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

**Inquries** All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (LA)

Auto debit on Nelnet is not doing what it advertises and taking automatic debits from my account on the due date. I 'm not behind on payments but they put me in a status that is " no pay hardship kwikpay ' and I never requested that.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Paypal Holdings, Inc (NJ)

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an phishing email from apparently PayPal. This email contains information of a transaction of {$890.00}. Attachments in pics will explain further
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Initially I called into wells Fargo to request a refund on a fee that I was told was not optional. I let the representative know that I had requested this feature to be turned off many years ago but was told that " transactions would still go through and the fee would still need to be payed '' I was then told by the representative that I didn't need to pay those fees, I could just request this feature to be turned off. I have had this account for over 10 years and have been charged overdraft fees since I opened this account. I have been lied to since day 1. I have lost time and missed out on family events, couldn't pay rent at times and struggled a lot. This is the worst betrayal of consumer trust, if I can't trust my financial institution, should I go back to under the mattress?