davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (FL)

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional XXXX  days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

Hello. I am a long-time XXXX XXXX XXXX  who is dealing with many mistakes from MOHELA that are preventing me from getting PSLF loan forgiveness. I have sent in all necessary paperwork, consolidated all loans, and recertified my qualifying employment each year for years. I have worked at this qualifying school since XXXX, and I have made more than the required 120 payments, so my loans should be forgiven. MOHELA has made mistakes and has delayed correcting them since my loans were transferred to them from XXXX. MOHELA and/or Federal Student Aid needs to remedy this mistake. My loans were marked as forgiven and closed, and then for no reason, they were reset to reflect only 10 qualifying payments. I should have been forgiven in XXXX. I ask that you please help remedy this situation as soon as possible. I want to continue to serve as a teacher, and I need this to be resolved for my own financial and personal well-being. Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GU)

I have had two loans with XXXX XXXX now Navient in a matter of a 3 years my loan has gone from XXXX to XXXX. In a matter of two weeks my loan went from XXXX to XXXX I do not feel that it is a fair amount of fees nor do I even understand. 

I have tried time and time again to change my payment plan with continuous bouncing back while fees adding up by the thousands in a matter of weeks. 

I have a strong feeling that something is not right and unfair in this situation but my lack of knowledge prevents me from pinpointing what exactly it is.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

There is old information showing on my credit reports regarding my student loan. I have 1 student loan yet, my reports show several loans. Most of which states closed, and there is a late payment remark which is incorrect. I need this fixed and adjusted expeditiously!
Consumer complaint received 2023-05-22
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. (NY)

I am a victim of identity theft I have no knowledge of a XXXX account that is being reported on my credit and I would like for it to be remove. I uploaded a copy of my identity theft report
Consumer complaint received 2024-02-28
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: JPMORGAN CHASE & CO. (MS)

I am writing to bring to your attention a concerning issue I have encountered with JP Morgan Chase & Co., a prominent financial institution. My complaint pertains to misleading practices surrounding their credit card locking feature, which has led to unauthorized transactions being processed despite the supposed security measure in place.

As a responsible consumer, I have taken proactive steps to safeguard my financial accounts by utilizing JP Morgan Chase & Co. 's credit card locking feature through both their mobile application and web browser interface. This feature, as advertised, is purported to prevent any transactions from occurring on the locked credit card, providing peace of mind to customers like myself. 

However, it has come to my attention that JP Morgan Chase & Co. has been disregarding the lock status set by customers and allowing certain transactions to bypass this security measure under the classification of " recurring transactions. '' Despite my explicit instructions to lock my credit card, unauthorized charges labeled as recurring have been processed without my consent, leading to unnecessary financial strain and frustration.

This deceptive practice not only undermines the trust between consumers and financial institutions but also poses a significant risk to the financial well-being of customers. By falsely representing the effectiveness of their credit card locking feature, JP Morgan Chase & Co. is failing to fulfill their obligation to provide reliable and secure banking services to their clients.

Furthermore, this issue extends beyond a mere inconvenience ; it raises serious concerns regarding consumer protection and financial security. Customers should be able to rely on the features and safeguards implemented by their bank to protect against fraudulent activities and unauthorized transactions. The blatant disregard for the lock status set by customers is not only unacceptable but also constitutes a breach of trust.

In light of these troubling practices, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold JP Morgan Chase & Co. accountable for their misleading practices. Additionally, I request that measures be implemented to ensure that the credit card locking feature functions as advertised, providing customers with the security and peace of mind they deserve. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this issue and uphold the rights and interests of consumers.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
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. (TX)

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Consumer complaint received 2024-03-22
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. (NC)

Attached are my IRS 1099c Copy B forms for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX All three accounts will be updated to paid on time in full, as agreed upon immediately. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, XXXX North Carolina XXXX, All other addresses shall be removed they are not my address and are non-mailable addresses which is defined as mail fraud. See attached utility statement and Passport I.D . Card for Identity and address verification. Lastly per 15 USC 1666B, 12 CRF 1026.13, and the CFPB Timing of Payments ; A Creditor may not treat any payment as late on an open-end credit plan account for any purpose ; meaning The XXXX XXXX credit card open-end plan account on my report shall be removed immediately you are in violation of the law. Furthermore, a write-off/charged-off is considered income and per the Department of Treasury ( IRS ) website income can be reported on credit reports. The XXXX XXXX and all other charge-offs are to be removed 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. (NJ)

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXXXXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXX XXXXXXXX, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a XXXX late payment. This is misleading and inaccurate. 
* XXXX XXXX XXXX, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to Experian, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

By XX/XX/XXXX I have it on my account two balances a Loan ( flex Plan ) for XXXX ( 60 monthly payments ) Promotional Balance ( Purchases ) for XXXX at the moment to make the payment the system give me the folloqing option to pay " Option 2. This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months '' I selected that option and paid a total of XXXX, the payment was applied totally to the Flex Loan By XX/XX/XXXX I Made two purchases under the same option ( Flex ) One for XXXX and other for XXXX. ( both to 6 monthly payments ) I returning the XXXX purchase and instead to cancel that balance the returning balance was applied one more time to the higher amount with the longest payment period I has been charged for interest in all those errors I has call 4 times with an average of wating time over an hour. to get the last answer about to call my lawyers so this is my first step and i hope get your help
Consumer complaint received 2023-05-22
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OH)

I'm the executor for my sister who passed on XX/XX/XXXX. I have personally handed the death certificate, copy of the will, Power of Attorney ( when she was still alive ) and all other Wells Fargo forms they requested by them. Each time I gave them what they requested they would hand me another form to complete. Did not give me all the forms at once. This happened several times during the month of XXXX. It started to get worse when I had my last conversation with XXXX XXXX on XXXX / XXXX XXXX. I had made XXXX trips to the W F office, dropping of documents, prior to her death. When I was on the phone with him telling him if my sisters passing, and asking for some information, he chuckled and said that he could not deal with me anymore only the Beneficiaries. He said paperwork that I submitted to this point was no good because of her passing.. I went off on him asking why he thought this was funny? Since then I have been trying to guide the Beneficiaries thru this process and have gotten no where to this day XX/XX/XXXX. Their office is about XXXX miles away from me. Anything that they gave me to fill out or needed I personally drove there and handed it to them. There are XXXX Beneficiaries and they use the U S mail as one is out of state and the other XXXX are in state. I also spoke to a XXXX XXXX, who is a branch Mgr there, and got no where. In short I was told they never received a death certificate, which I personally handed to them. Gave them a copy, which they said was ok, and last week was told it was no good. They said that they did not receive proper paperwork from XXXX of the Beneficiaries when both were mailed at the same time. Paperwork had to be redone and sent. Was told nothing could be done until all paperwork was completed together. Once that was done XXXX stated that she forgot another form that needed completion and that would be sent out but not until she came back as she was out of the office for period of time. XXXX stated also that she just got the " lost '' form from the beneficiary. This is going to be 5 months since my sisters passing and we are no where. This branch is demonstrating that they are unorganized and unprofessiinal. My feeling this is being done deliberately because of my last conversation with XXXX XXXX. I can't see any firm being run like this and be successful.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RELIABLE FINANCIAL SERVICES, INC. (PR)

Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Reliable gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.