davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries XXXX5 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 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ARVEST BANK GROUP, INC. (AR)

I have not been able to use my card since XX/XX/2024. I have spoken to customer service 4 times, the first 3 times I was told I will receive a call back within 24-48 hours. I never received a call back. The last time I spoken to supervisor, XXXX, on XX/XX/2024. She advised me to wait 3-4 business days before calling back if I don't hear from them. Clearly, Arvest is not in a hurry to solve this issue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX 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 2023-10-30
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-14
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. (VA)

I have no knowledge of these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these alleged debts are reported as a chargeoff collectionon my XXXX, Experian and XXXX XXXX XXXX which is negatively affecting my ability to obtain credit.
Consumer complaint received 2023-10-30
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. (MI)

delete XXXX XXXX XXXX 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 ( CREDIT COLLECTION SERVICE ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-11-08
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (DE)

Why am I STILL confused about the status of my loans? 

Why can't I get clear, concise and COMPETENT information... EVER? 

Why does it take FOREVER to receive responses from " Customer Service ''? 

On which plan am I? I believe that I applied for the " SAVE PLAN '' that AidVantage has been touting for so long? 

From where did the XXXX XXXXXXXX XXXX come? Why is it listed on my loans at all? I NEVER completed more than a WEEK of class at that institution. Weren't those loans CANCELLED? 

There are at LEAST TWO ( 2 ) more e-mails that were sent to " Customer Service '' within these past TWO ( 2 ) WEEKS. Why am I STILL WAITING for CLEAR, COMPETENT, and TIMELY responses? 

What is my progress towards loan forgiveness? 

What was the REAL issue with my JOINT BANK ACCOUNT? You can SHOVE " auto-pay ''! I'll pay MANUALLY, thank you! 

Frankly, my student loans have been through entirely TOO MANY servicers during these past XXXX or so years!
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (LA)

I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed XXXX inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WV)

On XX/XX/XXXX I was XXXX XXXX XXXX XXXXXXXX XXXX to get some much needed help. No personal items are allowed in the unit. NO cellphones or any devices are allowed. While there my Chime Financial Checking account was drained of {$3700.00}. I did not make these charges, I did not authorize them. I opened this checking account back in XX/XX/year> and funded it the first time on XX/XX/year>. So it's over 30 days old. I was released on XX/XX/XXXX. I seen that a hacker theif stole my money and made fraudulent charges on my account. I immediately contacted Chime Support and filed a disputed explained where I was and it was not possible for me to have made these charges. Six hours later I get a email from Chime saying my dispute is denied and my account would not be credited. I filed the rebuttal and sent my discharge paper proving it was not possible for me to have made the charges since I was admitted to a unit that dont allow personal items or any devices. Chime Support assured me that in fact I was eligible for a temporary provisional credit that would be placed in my account on or before XX/XX/XXXX. Once the bank sees a error was made they have 1 day to credit the account. It's been 2 days. I have a special needs kid, my husband died last year so it's only my income to support us. I explained that to Chime Support I'm going to be evicted if they wait until the XXXX of XXXX to place the credit in my account. Ive called them countless times in the past 2 days trying to get the credit expedited but they keep saying only the back office can do that and only Support can reach them via email. I have begged and pleaded with many different Support agents to get this resolved. Once I sent the evidence proving I was locked up and it could not have been me that made the charges that should have been the time my account was fixed. Well by the next day. That's proving a error was made and fraudulent charges are on my account. Also if a account is new that warrants the 20 days to have it resolved or the tempory credit applied. My account was funded on XX/XX/year> and this dispute was filed on XX/XX/year>. So that's a error as well, they have XXXX not XXXX. Since I proved the that my account was charged while I was locked up shouldnt that mean they have one day to credit my account? Is that not evidence of error? Please help me, Chime won't and I desperately need my money so me my kid are not evicted.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Account was frozen due to fraud. Unable to unfreeze account after spending more than XXXX hours between phone calls ( transferred circularly between the same departments ) and XXXX physical branches. Unable to withdraw account balance of over $ XXXX to close account due to being frozen. Aside, cash ( $ XXXX ) that was deposited into account at physical branch disappeared and do not show up on account balance when I log in. Eventually, I was also blocked from online and mobile access. Tried to resolve by calling in, they were unable to verify my identity by asking me questions from their public information scrapping, and was unable to let me log in. Currently I have over $ XXXX USD that is frozen and can not be withdrawn, and account can not be closed.
Consumer complaint received 2024-07-12
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. (NV)

My credit card was used fraudulently with Chase. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. Chase has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by XXXX points!
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld systems inc instead of contacting me on a debt owed to the military chance who was alread. Collecting its money through my military allotment. And instead of contacting me, they filed false documents stating that they had already taken me to court, and they had a garnishment order while my Work gave it to me. It was not a garnishment order, signed by a judge. Instead, it was just them stating that they were representing the United States government, which they do not do Contact military star and they said they were still collecting their money from military allotment which it shows they misrepresented the amount that was owed because according to XXXX XXXX I owe {$3000.00} according to XXXX {$4200.00} and the fact that I was never notified about the garnishment never notified about court because there isnt any court order and it is specifically signed by the people via electronic signature And Michigan law states they have to have a court order. I do not work for the government. I work for XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Citibank charged me two large late fees, plus interest, on a {$21.00} charge. The first late fee, imposed XX/XX/XXXX, was {$21.00}, and the second, imposed in XXXX, was {$41.00} plus {$1.00} interest, for a total of {$84.00} on a {$21.00} charge. The third was {$1.00} in additional interest, charged in XXXX. I checked, and these excessive fees seem to be against the new rule, implemented in XXXX, that CC late fees can not exceed {$8.00}. The company waived the {$41.00} fee and refused to waive the other fee, stating that the rule was stopped from implementation. I am not clear whether the government shares that view.
Consumer complaint received 2023-10-30
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (TX)

XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( s ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 permission.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp. (CA)

On XX/XX/XXXX my wallet was stolen and debit card had 2 unauthorized purchases on it. 1 for {$490.00} from XXXX and other for {$4.00} from XXXX. I immediately reported it the next day. Thats when the interrogation of me and my business started. They issued provisional credits for them on XX/XX/XXXX and as soon as they did froze my account and is still holding them hostage. I am attaching ALL correspondence between the company and I.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Regional Management Corporation (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

I opened a business checking account with Chase. When I went in to sign the paperwork and open the account, I emailed my banker a coupon for a {$300.00} sign-up bonus. The banker never enrolled me and despite numerous phone calls, online secure messages and emails, Chase is refusing to take any action to rectify their own mistake. I met the terms of the bonus and am entitled to the terms advertised. The only reason I picked Chase to open my business account was because of the offer.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX, I contacted Nissan to find out what I needed to do to resolve the issue with the charge off listed on my credit report. I was told I need to pay it or they could offer to settle it for 60 %. I asked why it was so much and they told me that although they sold the car that I owed the entirety of the lease ( 3 years ) even though we only had the car in our possession for 6 months. I was told this was stated in the contract I signed. I requested a copy of this contract and received it. 
On XX/XX/XXXX, I contacted Nissan again after reviewing the contract and it did not say that I owed the remainder of the balance. It stated that I owe the disposition fee, previous back payments, taxes, and the termination fee ( difference between the adjusted lease balance and the wholesale Fair market value ). When I reported this to Nissan they stated the same thing as before. When I read the contract to him, word for word, he just repeated that I owed the entire amount. He told me I need to discuss it with the credit bureau since they already reported it. I informed him that they can fix what they reported and he disagreed. I asked to speak with his supervisor and was told he was on break. He was given my number to return my call and I never received a call back. 
According to what the contract states that I owe it should be around {$3000.00}, not {$15000.00}.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.