davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OZK (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Consumer complaint received 2023-08-24
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I received a letter from Radius Global Solutions stating I owe {$170.00} to XXXX XXXX XXXX. From my understanding, this would fall under the medical debt under {$500.00}, which they shouldnt be able to report or collect. Im not familiar with the rules, so I figured Id submit a complaint if it aligns with that law.
Consumer complaint received 2023-12-28
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I tried to deposit XXXX {$1000.00} checks into my checking account and Chase Bank verified it with the issuing bank and it was verified. However it wasnt in Chases " system '' so they are now threatening to close my account and saying thy cant cancel the checks even though they were never fully deposited anyway because of their " System ''. Now my account is frozen and my money is unavailable.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

On Friday, XX/XX/2023, I made a payment totaling over {$100000.00} on my Neltnet federal student loans. I allocated the payment to pay off four of my thirteen federal student loans. The funds have been taken out of my savings account, but have not been applied to my loans. Because the funds have not been applied to the loans that I paid on, the loans are accruing interest. I now owe more money on the loans despite paying off the entire loan amount. As of XX/XX/, the funds still haven't been applied to the loans and they are still accruing interest.
Consumer complaint received 2023-09-26
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)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-12-21
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. (VA)

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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, 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 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 2023-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TN)

My credit card went missing a few weeks ago. Once I realized I got on my Wells Fargo app to pause the card and noticed it was used twice somewhere. I called Wells Fargo TWICE to settle this and they have denied both requests even though the transactions werent made by me. At first they reimbursed me and then took it back. Im not sure what else to do. I ended up canceling the card and getting a new one but theres over XXXX that was spent
Consumer complaint received 2024-05-31
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. (NJ)

The below account has been charged off, per my credit report. 

Chase Card ending in XXXX Per IRS guidelines I should have received a Form 1099-C from any creditor who charges off a debt.

As of the date of this complaint, I have not received a 1099-C from said entities.

The creditors have charged off the aforementioned debts thus receiving a tax write off. Per IRS regulations, this now becomes income to me and must be reported on my tax returns.

Per 15 USC 1681 ( 2 ) ( a ) ( i ), No transactions or experiences are permitted to be on a consumer credit report. Furthermore, credit bureaus report ; 1. Soft and Hard Inquiries 2. Bankruptcies 3. Unpaid Child Support and Alimony 4. Collection accounts Credit bureaus do not collect information on income as it is deemed irrelevant and does not reflect one 's ability to back debt.

As this charged off accounts has now become " Income '' to me, it should not be reported to the credit bureaus.
Consumer complaint received 2023-12-28
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. (FL)

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 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 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was out of town when someone stole my card. Upon finding out that my card was stolen I immediately called the bank to inform them of unauthorized transactions. I was out of town from XX/XX/XXXX - XXXX you can see on my bank statements I was using XXXX XXXX instead of my card in XXXX Texas. On about XX/XX/XXXX my card was used for the amount of XXXX dollars and XXXX dollars I was given credit but then it was taken from me. I would like for my money to be given back.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

My account with Best Buy ( CitiBank ) XXXX XXXX XXXX XXXX has been closed for some time. In error on XX/XX/XXXX a payment was sent to Best Buy from my XXXX Checking account in the amount of {$550.00}. Despite the account being closed, CitiBank cashed the check on XX/XX/XXXX. 

When this error was noticed, i attempted to contact CitiBank to see how a refund could be processed. My first call took XXXX minutes to get through the " automated '' system to a human. After explaining the situation I was told that they could not locate my account and I would be transferred to the " fraud '' team. I was transferred back to the " automated '' system and hung up in frustration. 

On XX/XX/XXXX I attempted to contact CitiBank again. After fighting through the " automated '' system again I reached a human who again informed me that she could not locate my account using the account number, phone number, or my social security number. She then informed me that I needed to file a dispute with my bank ( which has now been done ). I asked to speak with the Fraud team and was told that since there was no account that they could locate that the Fraud team would not answer the transfer. I asked what happens when they receive money that they can not apply to an account and I was told that they would not cash the check and would return it. Upon advising them that I was looking at the cancelled check, I was again told an account could not be located and that I would get no further assistance. 

XXXX took my call immediately and will be filing a dispute on my behalf. The sheer lack of concern or customer service exhibited by CitiBank is alarming. Automation is vital to any big business but there has to be the ability to interact with an intelligent human being.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I had a XXXX XXXX from XXXX that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed XXXX a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> a purchase alert came to me by the message : " Synchrony Alerts {$54.00} card not present transaction exceeds {$50.00} at AMAZON XXXX on your Prime Store Card ( Synchrony Bank ) ending ****. '' We called the number on the card to report a fraudulent purchase and close the card. They launched an investigation and didn't respond back with the results, instead sending me the {$54.00} bill without additional information. In addition, they opened a new account without my consent, putting said bill on the new account. Despite reporting the fraudulent purchase right after receiving a notification for a purchase, they still required me to pay {$54.00} on a card that stated {$0.00} fraud liability. When calling to question why I was charged even after reporting a fraudulent purchase, they simply sent out the investigation report that stated quote : " You have accepted responsibility for the charges. '' Even though I didn't. When calling Fraud Investigation Team Manager, they refused to explain what kind of investigation was made and didn't do their job in resolving the problem, simply stating " You have to pay this '' with no further help. There was a recent data breach with my network provider, which was followed by this situation. In my amazon purchase history there is no order stating what was even purchased, leaving me even more confused. The report claimed that the order was shipped to my location, despite me not receiving any packages or items. How is the shipment of the items possible if I called to cancel this fraudulent purchase?
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (CA)

since XXXX my income has been reduced and I was unable to pay on time since then, I reach Chase Auto loans customer service for help, but they no give me any option just to pay, I asked for those fees that every month charge for repossession fee even when the car no was repossessed, plus late fees every month. I asked for waive of those fees, for me looks was not fair to charge you XXXX repo fee plus late fees every month, that make me kind impossible to put my account current.
Consumer complaint received 2023-12-28
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. (FL)

A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX XXXX, XXXX, XXXX and Experian but this account still remains on my report. Please help!
Consumer complaint received 2023-12-28
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'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 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IA)

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

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 -Experian 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