davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On Thursday, XX/XX/2023, I flew to XXXX XXXX, LA with the attorney I work for to meet a new client who was relocating to the New York area. The evening of the XXXX, I went to some bars, the last one was the XXXX, and that is the last thing I remember until I woke up in my hotel room the next day. I discovered that my debit card, my mobile phone and my driver 's license were missing. Instead of staying in XXXX XXXX until the XXXX to fly home with my employer, I decided to return that evening at my own expense ( {$310.00} ). The following day, the XXXX, I filed a police report with the XXXX XXXX Police Dept. My mother filed a claim with XXXX, who insures my mobile phone, and she paid the {$220.00} deductible since I had no money, and my new phone was delivered the next day and a technician came to set up the phone. My mother also filed a claim with XXXX under her homeowners policy, but it turned out that money isn't covered. I went to Chase in XXXX, NJ four separate times and put on the phone with different people, the last time being a XXXX in the Escalation Dept. Each time I was told I authorized the XXXX XXXX XXXX XXXX {$3400.00} and the XXXX withdrawals totaling {$600.00} because my PIN number was stolen even though I told Chase my PIN was on my mobile phone. With all my money gone, I wasn't able to make my monthly payment for my XXXX XXXX  loan, after making payment for XXXX years, and getting my debt down to {$120000.00}. My elderly mother, whose only income is social security had to make my {$350.00} car payment and pay the {$220.00} deductible to XXXX so I could get another phone. I usually try to help my elderly parents and give them money to pay their bills. This is causing a terrible hardship, not only for me, but also for my parents financially. First I was victimized by a thief, and now I have been victimized by Chase. Chase never did any investigation like contacting the XXXX XXXX Police Dept. or XXXX XXXX How can Chase believe that I authorized someone to make XXXX XXXX XXXX and then even overdraw my account and have Chase penalize the owner of the account just because the PIN was used after I told Chase at least four separate times that my PIN was on my mobile phone, which was stolen along with my debit card and even driver 's license.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

I enrolled in 2 online XXXX XXXX at XXXX XXXX XXXX XXXX. I have found out that they falsely reported that I never started class so my federal loan was canceled after being disbursed. The class did not have any coursework only a final. I was never notified of the cancellation and only found out when I was denied graduation. I have reached out to several advisors and was told that I would have to pay the loan back on different terms than I initially agreed upon. I have reported this issue to student aid and was told that there was an opportunity to reinstate the loan but time had expired to do so. XXXX XXXX XXXX XXXX has denied me the ability to graduate and has now sent this account to collections. It is extremely unfair to sign up for an XXXX XXXX  and then later be penalized for not " utilizing office hours '' which is an optional task. It is also unacceptable to force a student into high interest rate loans!
Consumer complaint received 2023-09-12
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consum
er 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 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I WAS A VICTIM OF IDENTITY THEIFTED AND NOW A VICTIM OF WELLS FARGO SUSPIOUSE ACTIVITY,,, THESE DISPUTES ARE A FEW OF MANY XXXX WAS AN ONLINE ORDER THAT I NEVER RECEIVED TO THIS DAY I HAVE AN ATM {$300.00} WITHDRAWAL NO CASH DISPENCED A {$100.00} ATM WITHDRAWAL ON A MOBILE CHECK DEPOSIT THAT CAME BACK UNCLEARED AND WOULDN'T ALLOW ME ( IT WAS ON HOLD AND SAME DAY IT CAME BACK IS WHEN THEY ARE SAYING I WITHDRAWAL THIS MONEY AT A XXXX BALANCE ) TO TAKE MONEY OUT. A {$60.00} WITHDRAWAL CANCELLED TRANSACTION,,, A {$40.00} No cash dispenced atm withdrawal,, as I've talked to claims,, cases were not even fully looked into,, and they had no reasoning,, then at branch i an informed of an everyday checking account i didn't open i had an easypay account and I'm this checking i didn't know i had three credit card i was clueless about,,, so with Wells Fargo reputation i became feared,, as o asked questions my account is facing closing yet i have XXXX owed that's being icored and now I'm in minis,,, all i want is my money back and then close these accounts out
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XXXX  i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted. 
If car was repossessed and sold or auctioned off then it need to reflect that
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-03-22
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (PA)

XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXXXXXX XXXX  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 whether written, unwritten, verbal and non-verbal per XXXX XXXX XXXX. 
GreenSky is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information.

The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in 2020. I intend to pursue it. 



XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Attached are the documents. I'm kindly asking the bureau to start an inquiry into these accounts, as they wrongly depict me as late in my payments, despite my consistent punctuality.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/2023. I have submitted a dispute with Fair Collection and Outsourcing, and I dispute the validity of the debt mentioned on my credit report with XXXX XXXX XXXX and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute and Section 1681-N any person who claims a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. Please REMOVE these two accounts from my credit report immediately.
Consumer complaint received 2024-03-22
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. (AL)

Experian and XXXX violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done! I've sent in everything that was asked of me!
Consumer complaint received 2023-04-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX Date opened : XX/XX/2019 Balance : {$180.00} ; XXXX XXXX XXXX Opened :XX/XX/2019 Balance : {$93.00}.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name 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 an 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 2023-05-19
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

After 2 years of using paypal for XXXX XXXX  our business account was banned for zero reason. We sell approved items that our competitors sell on XXXX with XXXX issues. Our business is 7+ years old with very little refund issues and one day paypal decided to ban our account with no reasoning. 

Why back a merchant that will turn their back on you with no comments back or way to fix whatever was not " in their standards ''. Others are allowed to use their service but if they paint you as a black sheep youre better off using another 3rd party payment system than thinking theirs any longevity with this company.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

As per my previous correspondence, I have sought a Debt Validation from your office and have allowed sufficient time for the submission of relevant documentation. My objective is to receive conclusive evidence establishing the validity of this purported debt. I remain unconvinced of my responsibility to settle this account and the associated creditor 's name, as I have no recollection of engaging with them in any capacity.
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (CA)

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi so I received a Bank of America EDD card about 2 years ago and I filed for identity fraud and filed a claim for {$8000.00} something hot dollars and another one for {$2000.00} something dollars and it's been 2 years now and it's still being investigated without any provisional credit or anything I believe something should have been done by now
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Have been trying for a Mortgage modification through Wells Fargo for years ... most recently X/XX/17.  This time they denied us because we have too much equity in our home. Previously they denied us because we were " underwater '' - not enough equity. Wells Fargo has been rude and consistently unhelpful - we only stopped paying the mortgage because we were told by one of their reps that it would be the only way to get a call back. They dont deserve to be in business. I caution EVERYONE to boycot Wells Fargo.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2024 I opened a checking/money market account with Truist with XXXX Check in the amount of {$60000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter that the account had been closed with no explanation and that I needed to deposit funds to make the account whole and to not withdraw or present any payments against it. 

On XX/XX/XXXX, I went to the bank and spoke with Branch Manager/Assistant VP ; XXXX XXXX in regards and after making a phone call she was instructed that I needed to provide a bank statement from XXXXXXXX XXXX XXXX XXXX XXXX showing the funds were removed from my account. At that moment, I went across the street, got a copy from XXXX XXXX XXXX, and provided it to XXXX XXXX, and she scanned and emailed to her fraud team. She advised the funds are available and the money cleared so there shouldn't be any further issues. 

As of today, after daily calls and holding for over an hour each time to speak with someone who can help me, I still have not received any calls from them and they have not released my funds even though it has cleared.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

I have already disputed these items, but the bureaus did not remove nor validate them.

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