davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (GA)

I, XXXX XXXX XXXX, have sent multiple letters to the credit reporting agencies XXXX and TransUnion for the past year due to fraud repair and they fail to verify, correct, or remove these accounts. 

According to the law, which is protected by congress, 15 U.S.C. 1681i, which is a part of the Fair Credit Reporting Act ( FCRA ) states : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also according to paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This has been very frustrating over the past few years and I demand that they are immediately deleted from my report : XXXX XXXX XXXX and any others I have disputed in the past due to fraud. 

Thank you for your prompt attention in this matter.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I signed up for a promotional offer with Chase Credit Card services. I was to get a {$15.00} credit if I spent {$150.00} on utility payments using their card between XXXX and XXXX. I paid my gas and electric bill in the amount of {$170.00} on XX/XX/2024. However I was denied the credit because Chase did not post the transaction until XX/XX/2024.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, a person cut the lock on my locker at the gym and stole my gym bag which included my wallet with credit cards. I reported the incident to the police and received a case number. The criminal used my Mastercard to make purchases at a XXXX XXXX in XXXX DC. The first charge went through but the second charge was declined. I disputed the fraudulent charge with Bank of America. They informed me today that I was responsible for the charge.
Consumer complaint received 2024-01-03
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2024-04-04
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. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-14
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: Navient Solutions, LLC. (WA)

In accordance with the fair credit reporting act XXXX acct XXXX, has violated my rights. 

15USC 1681 Section 602 states ; I have the right to privacy 15USC 1681 Section 604A Section 2 states : A consumer reporting agent can not furnish an account without my written instuctions.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-04-04
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. (NM)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EXPERIAN, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

EXPERIAN : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX NM XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Consumer complaint received 2024-04-04
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. (AZ)

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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

Lived at XXXX XXXX XXXX XXXX. Was a victim of a XXXX XXXXXXXX XXXXXXXX incident. Gave my property manager the appropriate notice using Safe Homes Act. Property manager charged me to buy out my lease and a fee, stopped responding and sent to a collection agency.
Consumer complaint received 2024-02-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation (LA)

Telerecovery is attempting to collect a debt I received a collection notification from this company in regards to doing business with XXXX XXXX XXXX the amount of {$1500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Meta Payments Inc. (PA)

The US court ultimately ordered the business to settle the complaint, paying a fine of {$25.00} XXXX and allocating {$720.00} XXXX in settlement funds to the customers. The sum must be released to the users within the 90day period set by the court.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was a victim of Identity Theft, my former roommate opened XXXX XXXX XXXX XXXX accounts in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly XXXX years with no unemployment, no family, no friends and various XXXX XXXX  issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN XXXX 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (MI)

XXXXXXXX FORTIVA has furnished information on my consumer report without my consent. I do not have a account with FORTIVA. This account has since been charged off to collections to XXXX XXXX and I have not given FORTIVA permission to communicate with any third parties regarding my personal private information under the FCRA and FDCPA. I am demanding FORTIVA to pay for the violation of 15 USC 1692c. Payment to be made no later than 10 days from receipt of this notice. If this matter is not resolved I will take this matter to court and will include actual damages and request punitive damages determined by the court.
Consumer complaint received 2023-07-03
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. (GA)

In accordance with 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 XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT NUMBER:XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX , BALANCE {$20000.00}, XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX , BALANCE : {$4900.00}, XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Hello, My name is XXXX XXXX, and I am submitting these complaints in hopes of getting a late payment reversed. I have never been late on this account. I am not sure if my payment didn't go through or if it was an oversight. 

As a courtesy, I am asking if this payment can be reversed to good standing or current. 

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MD)

After multiple attempts to resolve the problem, we spoke on the phone with Shellpoint Mortgage on XXXX. They finally informed us they had no intention of paying our real property taxes as they were dealing with a third party provider who was collecting data from the previous lender ( this had not been conveyed to us in prior conversations ). We informed Shellpoint we had emailed them a copy of our property taxes ( based upon a previous phone conversation ) on XXXX XXXX, 2015 and receipt was acknowledged. Due to the late date ( taxes are due XXXX XXXX, since we had no confidence in Shellpoint, and since we were told they were not going to pay our taxes, we went ahead and paid them ourselves, incurring a 2.45 % credit card fee, since failure to pay on time could result in injury to our credit rating. This could impact our security clearance possibly resulting in job loss.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I 've submitted info numerous times for the company XXXX and XXXX ( now reporting to XXXX collection agency ). The account was opened with my SS # I contacted my local police dept. for police report for fraud account. ) I also spoke with Experian for them to validate account and no identity documentation was provided.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

I have sent you copy of my police report and FTC report over 10 times through CFPB showing I was a victim of identity theft along with my SS card and passport.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I have tried to call several times and get placed into forbearance as I have now served over 10 years and have the necessary payments. Ive been told 2x now I could be placed into forbearance while the number was under review but I havent been and I can never get a hold of them in a timely manner as well as when I do, it gets escalated and I get put on hold for eternity. 

I want forbearance. I want my money back that is post submission of my documents since I should no longer be paying. I dont have time to deal with this terrible servicer as Im STILL SERVING.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

1. Fraudulent Charges on Chase Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, my Chase credit card was used at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shortly after this legitimate transaction, multiple fraudulent charges appeared on my account, including over {$1000.00} in transactions at XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX XXXX I received text alerts from Chase notifying me of suspicious activity, specifically the charge at XXXX XXXX XXXX prompting me to review my account and report the fraud immediately. 
2. Negligence in Chase Bank 's Investigation : - Despite my prompt reporting, Chase conducted a flawed investigation and erroneously concluded that the charges were not fraudulent because they believe the physical card was used, and I had possession of the card at the time. 
- I was at home during the time of the fraudulent transactions and did not lend my card to anyone, making it impossible for me to have made those purchases. 
Chase informed me that the card was added to XXXX XXXX at the time when I first reported the charges, which I did not authorize or initiate, further indicating fraudulent activity. 
- I asked if I should get in touch with the police but I was assured by Chase that they would collaborate with the police department to investigate, yet I dont believe Chase involved the police nor did they acquire evidence with police assistance. 
- The response to me about this case was delayed until XX/XX/XXXX, nearly two months later. This delay has hindered my ability to obtain critical evidence, such as security footage from the stores where the fraudulent transactions took place. 
- When I inquired if I needed to file a police report, I was explicitly told by a Chase representative that they would handle it. This, coupled with the delay, suggests an intentional stalling tactic, preventing me from acquiring necessary evidence within a reasonable time frame. 
- Furthermore, the nature of the charges, such as the exact {$200.00} charge at a liquor store, is highly suspicious and inconsistent with typical consumer behavior. Yet, this was not adequately considered in Chase 's investigation. 
- Now I am in the process of collecting evidence myself. And as I collect more, I can share the information with your department.