davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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. (MO)

In accordance with The Fair credit report act XXXX  account XXXX XXXX XXXX in co, XXXX XXXX and hard pulls has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I am writing to assert a serious complaint against Chase Bank for the unauthorized opening of fraudulent accounts and the mishandling of my funds. Over a year ago, a teller at Chase conducted an erroneous transaction by depositing my money into one of these fraudulent accounts. This action has not only deprived me of {$1700.00} but has also exposed me to the broader issue of illegal account activity within the bank.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (SC)

I went through an emailed promotion to open a checking and savings account and completed all of the required activities for the promotion that was a total bonus of {$900.00}. I waited well past the 90 days for the bonuses to hit my accounts. When that time passed with no bonus $ in either account I reached out to Chase and have gotten nowhere with them. I have been back and forth secure messaging them but no information other than the promotion wasn't attached to the accounts. I sent them a screenshot that showed the coupon would automatically apply if the accounts were opened through the email, which they were. I explained the timeline of events matched up completely with the promotion so why would I have done all of those exact specified activities without receiving the promotion. Please help me as I explained that every day I'm losing $ bc the interest rate is only 0.1 %.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX '! XXXX XXXX {$980.00} XX/XX/XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
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)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: Solar Mosaic LLC (PA)

I sent emails to the company ( Mosaic ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in XXXX. I also have spoken to them on the phone XXXX times in XXXX explaining my situation. On XXXX XXXX, a representative showed up at my door to post a letter and proceeded to shut off my power. I explained the situation to them, and they left. I turned my power back on. I have asked for a mediation hearing, but Mosaic refuses to listen to anything I have to say. I had solar panels put in and Mosaic was the company handling the finances. The solar panels have never worked for the XXXX  years I had XXXX company who installed them XXXX XXXX XXXX ) has filed for XXXX. I paid for XXXX years for something that didn't work. No one will fix the panels because of the XXXX I want the panels removed and the loan canceled since they don't work. I feel the contract should be voided because I am not receiving what I signed for. I am supposed to be getting XXXX % of my energy needs and XXXX hour monitoring. I have not gotten either. I can't keep paying for the panels and my entire electric bill.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Child Support Recovery Services, Inc. (MD)

CSRS Inc. is totally WRONG regarding this circumstance. According to the State of Virginia Code of Virginia Title 60.2-229 A. " Wages '' means all remuneration ( money paid for work or a service ) paid, or which should have been paid, for personal services, including commissions, bonuses, tips, back pay, dismissal pay, severance pay and any other payments made by an employer to an employee during his employment and thereafter and the cash value of all remuneration payable in any medium other than cash!! Moreover, bonuses are Not Debt, but are considered as wages earned in the State of Virigina and therefore can not be considered as Debt and therefore should not be submitted to any credit reporting agency as Credit which is clearly what CSRS Inc is doing, by placing on my credit report as such, trade-line entry as a line of credit owed and or money borrowed from XXXX XXXX XXXX XXXX XXXX XXXX 
Where is the proof CASRS Inc.?! I borrowed money and or entered an agreement with XXXX XXXX XXXX to repayment. 
CSRS Inc. is egregiously ignoring the laws and regulations, declared by the State of Virginia Code of Virginia Title 60.2-229. CSRS is a debt collection agency and per Code of Virginia Title 60.2-229 A. bonuses are monies paid for work or a service!! CSRS Inc. is using a primitive strong-arm tactic by creating narrative to fit its unethical and ruthless business model and practices of ( Debt collecting ), this is not a Debt within the guidelines provided by the Fair Credit Reporting Act and the Fair Debt Collection Act CSRS Inc. is practicing on deception to mislead. I was employed by XXXX XXXX XXXX as an employee and did not borrow a line of credit, which is clearly how this is crafted and reported to the credit bureaus as such!! 

CSRS Inc! Has to be stopped with unfair and misleading for the sole purpose making a profit!!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

On XXXX XX/XX/XXXX, I made several attempts to contact someone from Experian to address the missing student loan payments dating back to XX/XX/XXXX to present and the apartment  rental payments that have been successfully paid since XX/XX/XXXX, which is unacceptable. I make all financial transactions through XXXX Bank. Secondly, Experian does not have my accurate home and mailing addresses despite my efforts to provide clarity to them on this matter. As a result of the aforementioned, XXXX currently XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXXXXXX that I contracted from the current apartment that Im living in. Because of the inaccurate information on my credit file, I am being denied an opportunity to move to a better apartment. Since I can not access any human being working for Experian to immediately resolve this, I am submitting this complaint to expedite the matter and can be contacted via email or phone at any time. Thank you in advance for your assistance and expediency on this critical matter.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nelnet, Inc. (NJ)

Dear [ Consumer Finance Protection Bureau ], I am writing to bring to your attention a concerning situation involving Firstmark Services, a predatory lender that has been uncooperative in reaching a settlement agreement despite my efforts to resolve the matter. 

The personal loan with Firstmark Services was initiated on XXXX with an initial principal amount of {$15000.00}, with an interest rate that accrues at a rate of {$11.00} per day. Despite my attempts to engage in dialogue and negotiate a settlement, the lender has failed to provide necessary information and has been unresponsive to my inquiries. 

I first contacted Firstmark Services on XXXX and subsequently on XXXX, requesting additional information and seeking a resolution to pay off the loan. However, I have not received any meaningful response or cooperation from their end. 

This lack of communication and cooperation has put me in a challenging financial situation, as the accumulating interest is making it increasingly difficult to manage the debt responsibly. I believe this behavior is indicative of predatory lending practices and warrants investigation and intervention. 

I kindly request that your office look into this matter and take appropriate action to ensure fair and transparent resolution practices are followed by Firstmark Services. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (FL)

I'm so sorry you lost my first complaint with PNC Bank, # XXXX this has something to do with that. I got a call from PNC wanting to know how I liked the bank, I told her twice I was closing my account for lying to me when I opened the account. A few weeks later I closed the account when all outstanding was complete righting on the last check " to close account '' since then every day they send me a low account notice. Now they won't allow me to log into my account and want to charge me {$24.00} fee for what I don't know. This is a closed account and I don't owe them anything.
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove/delete the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-11-08
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (OH)

Been signed up for autopay with this company for almost 2 years. The same issue with my payments occurred last year in the XXXX  timeframe as well to no fault of mine. 

I paid my bill for XX/XX/XXXX, much higher than the minimum payment of {$300.00}. I then get an email stating that they accepted my payment and my next bill is due on XX/XX/XXXX, which was clearly an error. I log into the site and it says for XX/XX/XXXX, there is no payment due. 

On XX/XX/XXXX, they stated my payment was late and to make a payment before my next due date, XXXX, to prevent negatively credit. This was a generous offer as the payment being late was of no fault of my own as my account is on autopay. 

On XX/XX/XXXX, I got an alert from my credit report that they reported my account past due. I paid the outstanding on XX/XX/XXXX as they stated before XXXX. They did not report this payment to the credit bureaus accurately and destroyed my ability to close on my house as it dropped my score over XXXX points!!!! No phone number to call and all of my emails for remedy have gone unanswered. 

They need to correct my credit report and remove the late payment annotations on my report immediately. The same thing happened last year due to their system limitations and they resolved it as ago as possible. This year, same timeframe, my emails have been ignored. Many other clients have experienced the same issue around this time of year. 

Ive filled a complaint with the XXXX that has also gone unanswered from this fraudulent company. This is not right. I have rights and I have a right for the information on my credit report to reflect accurately my character as a consumer and they have literally turned my life upside down as Im no longer able to close on my house due to their unprofessionalism. This is unacceptable.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (GA)

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXXXXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (WA)

XXXX XXXX XXXX switched to a new system? At least thats what i assume. I get a call and a letter from this new company telling me my account is going to be sent to court or somthing unless i make payments. Im in the XXXX so i explained and apologized originally to XXXX for being late. This new company called " comenity '' has claimed to take over the proccess. They called, asked when and how much i could " promise to pay '' communication with them is horrible, its absurdly hard to hear them, and understand them. I called back recently to try and get my account so if i do owe i can at least pay online. They claimed they cant give it to me? Im so confused im trying not to get scammed here, and more and more its seeming more like a scam. Im freaking out because the court thing or whatever.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (FL)

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

MOHELA is absolutely useless. They give information that is directly contradicted by what is on the federal aid website, they say essentially " too bad figure it out '' after you wait on hold for hours, and if you email them they say it will take 3 months for them to respond. The lack of accountability and lack of communication is absolutely UNACCEPTABLE. XXXX forbid we are ever late with a payment there are consequences, but they can take months to process anything with impunity. They are simply unable to handle the volume and do not care that they give out bad information. 

Most recently, I was given incorrect information from them about how direct loan consolidation impacts my PSLF payment count and even after reading the information on the federal site to them they said I was confused.
Consumer complaint received 2023-08-30
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. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

My information was sold illegally I was a Victim of XXXX XXXX XXXX. No actions has been taking I did check to see if my information was impacted by the XXXX XXXX XXXX. Claim has been filed against XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accoun1ts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency.

can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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.