davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-10-06
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc. (CA)

I tried to get a copy of my data, to freeze the account and to opt out of third party sharing. The website kept giving me an error code even though my passwords met their criteria. I tried several times with different passwords all of which met their criteria and kept getting error messages. In addition, when I tried to enter my birth year the little calculator pops up and I have to manually scroll to 1953. I have a XXXX with my hands and can not use this item on their website.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (AZ)

I informed XXXX XXXX that my debit card had been used fraudulently debiting my account near XXXX in 3 separate transactions to XXXX XXXX on the XXXX and XX/XX/2018. I contacted XXXX XXXX and filed a complaint and subsequently filed a police report. I contacted XXXX XXXX and filed a dispute and promptly faxed over a signed statement and copy of the police report. Complaint filed XX/XX/2018 fax received and added to my file XX/XX/2018. I asked about a provisional credit to pay my rent and avoid fees and eviction and have been told continually that I may get one after the XX/XX/XXXX but that it is not guaranteed in any way. I asked them why federal regulation E didn't apply to my account and my dispute and have been continually told they are not a bank they are a preloaded debit card and provision E doesn't apply to my account and that i may receive this credit sometime in the future. They have been informed of my eviction and loss of my home and I've taken all necessary and reasonable steps to accommodate them. XXXX XXXX is making me a victim a second time and causing me through there refusal to follow federal law to lose my home and possessions as I am literally broke and without transportation and now without a home. Please help, this is wrong and needs to stop, your bank should protect you not revictimize and punish their card holders. I've called level one and level two support five times each day for the last four days to no avail. 
Please help. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

A creditor or furnisher listing an account as Charge off status is considered by the IRS as canceled or forgiven debt. The creditor or furnisher must issue the consumer a 1099c form. Which turns an account into taxable income for consumer. And, income can not be reported on a consumer report and also can not be listed as derogatory.This account is also reporting inaccurately. 15 U.S. Code 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached you would see proof of this account reporting inaccurate information such as late payments, open dates, date of last activity, dates of last payments, wrong credit limits across the bureaus and credit limit amount.This account is still reporting negatively on my consumer report even though it was sold/transferred to another lender/collection agency to collect on this CHARGED OFF debt which I am not liable for nor have a contract with XXXX XXXX XXXX violating 15 usc 1692a ( 4 ) . 15 USC 1692a ( 5 ) states the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction. I do not owe any debt, especially if an account is already CHARGED OFF. I as a consumer have the right to privacy.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NEW YORK COMMUNITY BANCORP INC (IL)

Subject : Urgent Assistance Needed : Unresolved ATM and Debit Card Claims I hope this message finds you well. I am writing to express my deep concern and frustration regarding the unaddressed ATM and debit card claims associated with my account. Despite my persistent efforts, which have surpassed a hundred calls, there has been no response from the bank, and crucially, no evidence validating the questionable transactions. 

I find myself in a precarious situation, as my account has been reported to XXXX, leading to a negative balance of {$1200.00}, contrary to the expected {$2300.00}. I urgently seek your assistance in resolving these issues promptly. Moreover, I kindly request a callback from the relevant department to discuss and rectify this matter. 

I was in XXXX at the time of the transactions in question, which primarily consist of ATM charges. Strikingly, I have no recollection of receiving any corresponding funds. Despite my civil attempts to resolve this matter with the institution, there has been a notable absence of cooperation. The bank has failed to provide any information or respond to my requests for clarification. 

The specific transactions in question are as follows : - {$360.00} on XX/XX/XXXX ATM - {$98.00} on XX/XX/XXXX ATM - {$460.00} on XX/XX/XXXX ATM - {$300.00} on XX/XX/XXXX ATM - {$360.00} on XX/XX/XXXX ATM - {$98.00} on XX/XX/XXXX ATM - {$120.00} on XX/XX/XXXX ATM - {$290.00} on XX/XX/XXXX ATM - {$290.00} on XX/XX/XXXX ATM - {$170.00} on XX/XX/XXXX ATM - {$290.00} on XX/XX/XXXX ATM - {$170.00} on XX/XX/XXXX ATM - {$140.00} on XX/XX/XXXX ATM In addition to these, there are XXXX charges that I believe are fraudulent or a result of a scam : XXXX ) {$150.00} on XXXX XX/XX/XXXX XXXX ) {$800.00} on XXXX XX/XX/XXXX XXXX ) {$970.00} on XXXX XX/XX/XXXX I understand the bank 's perspective on the validity of these transactions, but as a consumer, I have the right to obtain proof of their legitimacy. Regrettably, the bank has failed to provide the necessary information, leaving me in financial distress. 

I earnestly request the prompt resolution of this matter, the restoration of my account balance, and the removal of the derogatory report from XXXX. 

Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Guglielmo and Associates (TX)

Guglielmo & associates. A guy named XXXX threaten me with a lawsuit I did pay him XXXX a month. He took more money out of my account. And he said that it would have the company name on my bank statement. It doesnt it says fast phone pay for {$30.00} every month. I didnt give permission for XXXX to come out of my account. And this company said I never paid. I was paying finger hut every month {$25.00}. I dont understand how I was late on this payments I was all most paid off. Where do they get {$400.00} at and for what. This company is a rip off.
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

My student loans started off with XXXXXXXX XXXX I signed up with the SAVE plan for my repayment plan. With the SAVE plan my monthly payment was XXXX dollars. I applied for PSLF and was approved. I just got an email today that my loans were switched to MOHELA. I set up and account and found that my payment changed from XXXX dollars to XXXX dollars. I called about this and spoke with someone who advised me to upload my SAVE plan approval from ED Financial to my MOHELA account and that I would be transferred to the resolutions team to get my account fixed. I waited on hold for 3 hours just for an automated voice to come on the phone and say a supervisor was not available and for me to call back. Then I was hung up on. I called back 3 times and spoke with three different people who all gave me different information and who all ended up transferring me to a supervisor to which I yet again got sent to an automated voice saying a supervisor wasnt available. I have yet to get in contact with a supervisor. Nothing about my income or loans have changed. It should have been a seamless transition from XXXXXXXX XXXX to MOHELA. My Mohela account shows Im enrolled in SAVE but my payment amount now reflects XXXX instead of the XXXX dollars it had been the last 3 months with XXXX XXXX. I have a letter from XXXX XXXX that I was approved for save with a XXXX dollar payment for 12 months. I need Mohela to fix my payments as something has gotten mixed up or entered in correctly in their system during the loan servicer transition
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-21
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX of XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-09-29
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. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 12th 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.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

From the email I received today about my NEW checking business account, that I dont even remember the last 4 digits on the account, I have several questions : 1. Why these hackers have the last four digits of this new account?

2. How they were informed I opened a new checking business account with CHASE? It could be any other bank.

3. How this information was released?

4. Who else is having this PRIVATE information in your organization? 

I have been more than an hour on the phone, and none of your specialists know nothing. Just another waste of time. 

My personal information has been obtained from CHASE in the past, more than 300 times, Im not amazed about that, but this is a new company, a new name, a new checking account, I don't even remember the last four digits on the bank account, neither the EIN, but this hackers I already obtained from you. 

I DEMAND AN EXPLANATION. 

Look the bold and underlined information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I've submitted documents to Mohela to recalculate my IDR for payment starting back in XXXX on XX/XX/XXXX. I received correspondence via email from them that I needed to call them and additional info is required on XX/XX/XXXX. I've called everyday through today XX/XX/XXXX trying to get a representative. Each time I'm routed through the automated phone system until the system just hangs up on me and says goodbye. I have tried every method I can think of to get a hold of them. I have waited on hold hours to never be connected to a representative and have requested a call back only for the system to tell me an error occurred and I can't receive a call back at my number. So then I attempted to contact them via messaging thru their app/email, which I come to learn, does not exist. No messages can be sent through their website. This is absolutely ridiculous and the worse NON customer service I've ever experienced. There does not seem to be any way to resolve anything or get a hold of anyone to figure out my next steps. What am I supposed to do to fix this? It's unresolvable on my end.
Consumer complaint received 2023-09-28
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. (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 I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.