davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-14
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: CITIBANK, N.A. (NV)

To whom it may concern, Regarding the following disputes : XXXX & XXXX charged on my Citi XXXX card. 

I attempted to cancel the services from the company called : myperfectcoverletter.com prior to being charged with the company. I spoke to a rep over the phone, but never received a confirmation. I have no email confirmation of the cancellation prior to the charges. The company was reached out to multiple times, explaining that the services were meant to be cancelled, but I would continue to see charges. The services provided by the company were limited to me using them only during the trail period, nothing more and nothing less, no other documents or services were used, therefore, nothing should have been charged to my credit card. 

The company refuses to acknowledge how unfair these charges are. I am asking for both disputes to be evaluated and for the credit to be permanent as I did not receive any services from the company that justified their multiple charges on my account. Citi bank has been unable to understand the difficulty of me providing proof of the cancellation when none was provided to me by the merchant, which is exactly the problem here. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/year>, I received an email from the Department of Education confirming a full discharge of my Federal Student Loans under the Biden-Harris Administration 's Borrowers Defense program . This relief is due to widespread misconduct and misrepresentation by XXXX  XXXX XXXX XXXX XXXX, which I attended from XXXX. Since then, I have been unable to transfer my credits because the school didn't meet requirements and no longer exists in XXXX. 

Although my federal loans are discharged, I still have private loans with Navient ( formerly Sallie Mae ). Despite the issues at the XXXX XXXX, I have kept up with my payments and have been in good standing with payments for many years. I recently learned about the School Misconduct Discharge for private loans that I believe I certainly qualify for and have reached out to Navient for an application but haven't received a response. 

I am requesting an application from Navient for the School Misconduct Discharge as XXXX XXXX XXXX XXXX  XXXX qualifies under these circumstances.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report shows a charge off from my XXXX XXXXXXXX XXXX XXXX. I had that credit card for XXXX without incident of paying late. For most of that time the card was owned by XXXX XXXX but in later years other companies purchased the business with the last on being XXXX XXXX. I have always made the payments on this card to a XXXX XXXX XXXX on my statement via a check authorized through my bill pay with XXXX XXXX XXXX XXXX 
Sometime after XXXX XXXX took over, I received a letter saying my payment had been returned. I contacted XXXX XXXX regarding this problem. We reviewed the details of the payment, account number, etc. and they told me it must be a problem due to that it was a newly acquired card and I should try again. I send another payment ( also eventually returned ) and then receive the new statement showing a late fee had been assessed. I contacted them again with the same results and then more fees. I finally told them I would pay using a different method. I sent the amounts due but not the late fees as they needed to remove them ( They returned my payments ). My understanding was this was resolved, and I closed the account due to the frustration of their customer service. Recently, when buying a car, I was informed that my credit report had a charge off from XXXX XXXX XXXX XXXX. The amount of the charge off was the fees they improperly assessed. 

I have attached several documents showing the payments made at my bank, that they were returned by XXXX and that they then charged me fees and negatively affected my credit. I must stress that several other companies took over the XXXX XXXX over the year and there never was a transition problem like this.
Consumer complaint received 2024-05-23
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number: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 XXXX 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 2024-07-16
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

On XX/XX/year>, I contacted Pennymac about accessing some of my equity to do some repairs on my XXXX manufactured home with XXXX acres of property. Pennymac holds my current loan. I spoke with XXXX XXXX throughout the whole loan process. They charged {$650.00} for an appraisal. Many weeks later, I get a call. There is a delay on the loan until XXXX. A few days later she calls and Oh, I am sorry to tell you the loan was declined. It was declined because they don't do conventional loans on XXXX XXXX manufactured homes. So, now you have to apply again, submit all new current documents and we will try for an FHA loan. and that takes another appraisal. So, a different day, I speak with someone different at Pennymac. I talk to someone to help with this. She says .... let me check something. oh! Pennymac doesn't finance XXXX manufactured homes at all! Tough luck! Meanwhile, because I was assured my loan was going well, I scheduled some work done on my home. {$4000.00} + I paid it with my credit card, Maxing it out, knowing it would be paid off in XXXX! Now that my loan is not available, to pay off the bill. Now, my credit score has tanked XXXX points!! Who will finance me now? 
They finally refunded my {$650.00} for the appraisal! But what recourse do I have for my credit score? Pennymac needs to address my credit score problem they created with all the credit reporting agencies and make this right with me somehow. They are the subject matter experts about loans and they screwed me over royally with their ignorance of their own loan process! Now, not one person will return my calls from Pennymac. Hence this complaint!
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I got a promotional later frome chase bank stating that I am pre qualify for a promotion of XXXX interest for 18 month, on XX/XX/2023 I decided to go ahead and apply for that credit card, I must say that I have enough credit cards and I don't need more, the only reason I opend this credit was just because the 18 month XXXX interest promotion, after I applied online for the card I called to see if I got approved and they said yes and that the card is on its way and I should receive it in the mail, I believe there even was a confirmation of the 18 month XXXX interest In that conversation... 
On XXXX I checked my credit spending history and noticed that they are charging me interest! I called to cheek why are they charging interest, the first customer service responder was a lady and she said that it's a mistake and that the card should have the promotional XXXX interest, she even reversed the interest charges Back to my card and said they are sorry... 
After that she said she will transfer me to an account supervisor to fix the problem so I won't be charged interest on my card in the future, the supervisor checked and said that they are charging me interest because this card has interest on it and when I say that I got the XXXX percent XXXX interest he checked and said that I was not qualified for that promotion! He said that I should have Read all the small details which I did and nothing said clearly that the may decide not to give me the promotion even if they approved me for the credit card! 
This is very deceiving and bad business to lower customers to sign up for a credit card because a specific promotion and give them an approval for the credit without the promotion which is the only reason for opening the account!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXXXXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX P

lease remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2024-05-23
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: EQUIFAX, INC. (WA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MA)

Dear ACS ; XXXX XXXX, Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (MI)

This collection company claims that I owe a fraudulent debt that they purchased from the original creditor. This debt was already charged off as a bad debt, yet I have not received a 1099c for the cancellation of the debt from the original creditor. I reported this debt as fraud and have attached the FTC identify theft affidavit and the police report as well. I am asking for the third time for this fraudulent debt to be removed immediately. The collection company never notified me of them taking over this fraudulent account. Otherwise, I would have provided them with proof of the fraud that has occurred with the handling of this account. I reported the fraud to the original creditor as well. Please remove this XXXX, fraudulent, unverified, defamatory, misleading, credit hurting account immediately. You are on notice and i expect that this account be removed deleted or whatever the XXXX needs to happen to get this XXXX off of my XXXX  credit report. You stupid b! tches need to stop playing with me before I take this matter to litigation for the repeated harassment that is being directed towards me because Im a minority. If I was some XXXX  XXXX this XXXX woulda been removed let alone sold to a unknown third party without acknowledgment or consent. Yall better stop with the shenanigans. Where the XXXX is the signed agreement with my signature. I bet there isnt one.
Consumer complaint received 2024-05-22
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)

There are multiple old address on my credit profile that are not mines. I communicated and wrote these credit bureaus such as experience XXXX and XXXX. I have gotten no response and these credit bureau have not complied with my request. These old in accurate information are hurting me and my family situation And lifestyle due to identify theft Im currently going thru
Consumer complaint received 2024-05-23
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. (TX)

XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected Accounts : XXXX XXXX XXXX ALL XXXX XXXX XXXX XXXX ALL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ALL XXXX XXXX XXXX ALL XXXX XXXX  XXXX XXXX XXXX ( UPDATE PAYMENTS ) XXXX XXXX XXXX XXXX  ( UPDATE PAYMENTS ) XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> Equifax
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (DE)

I pulled my credit report via my Experian account on XX/XX/XXXX. I noticed a single derogatory Collection account from XXXX XXXX. I filed a dispute with Experian via their online dispute center and after 2 days they have " validated '' the account. I've never opened an account with this company or the debt they represent. I was not given any written proof of their findings as required by law. The account alleges to have been opened on XX/XX/XXXX yet I have no credit inquiries on or around that date. No inquiries in the month of XX/XX/XXXX at all.
Consumer complaint received 2024-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (GA)

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy. 

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed