davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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. 

AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I deposited a cashiers check from another bank into my 5/3 bank account. I confirmed with the bank teller that the cashiers check was valid and once it cleared it would be available as funds to me. Amount {$1900.00}. The next day, I verified the amount was cleared in my account, I then contacted my bank to confirm the same. 5/3 confirmed the amount had cleared and the money was in my account. On XX/XX/XXXX, I noticed the deposit was involuntarily removed from my account. I contacted XXXX who stated the money was removed and could not tell me why other than I should contact the issuing bank? I asked to speak to a supervisor who gave me the same information ( XXXX ). I advised the bank representatives that once they clear another banks check, and deposit that money in my account, they can not arbitrarily remove it. If there is a dispute, it is their responsibility not mine.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please have this removed from my consumer report. ( XXXX, TransUnion, And XXXX etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries
Consumer complaint received 2018-12-22
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: Experian Information Solutions Inc. (TX)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

In XXXX of XXXX, after several attempts, I have tried to remove Discover Bank as the debt has been fully canceled, XXXX with box XXXX being code g. 

Discover has stated that they will no longer try to collect, that they have fully discharged the debt and I have amended my taxes in XXXX to include the discharged/ canceled debt
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

Charges were made in XX/XX/2023. There are a total of five charges they were split into two separate disputes one for XXXX and one for XXXX. The dispute for XXXX has already been approved and resolved. I attached the exact same documents to both disputes and I have now been denied for the XXXX over 20 times even though I have been providing more paperwork from the merchant as well as from the merchants legal team
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

In 2004 I purchased a rental property located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Soon thereafter I had tenants living in the property and a check from XXXX XXXX in my name was sent to this address. The " check '' was some type of instant loan that I had never requested. The tenants found a way to cash said check and then the debt obviously went bad as I did not even know about it. Since that time I have been XXXX  and XXXX  for collection of this debt even though XXXX XXXX has been in receipt of proof that this debt is not mine for XXXX  years. Most recently, the deceptive practices of Resurgent have brought this back to the surface. No one, over XXXX  years has been able to provide me with proof this debt was mine, in fact the last go around XXXX XXXX provided a different debt company with what I sent to prove the debt was not mine.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

MY PHONE WAS STOLEN XX/XX/2024 AT XXXX XXXX I CONTACTED THE XXXX SECURITY AND THEY CHECKED CAMERAS AND SAW THE PERSON THAT STOLE MY PHONE.THEN THE SECURITY OF THE XXXX WANTED TO SHOW THE FOOTAGE TO THE POLICE, THAN CALLED THE POLICE AND THE POLICE SHOWED UP AND THEY SAW FOOTAGE AND THEN THEY MADE THE REPORT.THEN THE POLICE CALLED THE PERSON THAT STOLE MY PHONE, AND THEY TOLD HER TO RETURN THE PHONE AND THEY WOULD DIMISS THE REPORT AND IF NOT, THEY WOULD ARREST THIS PERSON, THEN THE SAME DAY LATER THE POLICE CALLED ME TO ASKIF THE PERSON RETURNED THE PHONE AND I TOLD THEM SHE DID NOT RETURN THE PHONECASE # XXXX XXXX NAME : XXXX, BADGE # XXXX, OFFICE HANDLIING THE CASE : XXXX XXXXXXXX CALL CHASE BANK STOP ANY ON LINE TRANSACTION CLAIM # XXXX CHASE AKS ALL DOCUMENTS SEND THEM KNOW CHASE NOT WANT TO PAY ME SEE ALL ATTCHED PAPER
Consumer complaint received 2024-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Good day, In XXXX, after going back and forth with Navient about getting an affordable payment arrangement, I was offered a plan called the Structured Rate Reduction program. This plan was for the life of the loan, ending XX/XX/year>. I have emails and documents to prove it. I enrolled in autopay and was told that I can not miss a payment or go on any time of deferment because that will jeopardize my enrollment in the program. I never missed a payment, enrolled in autopay where I was paying {$240.00} a month faithfully. During XXXX  when I was really struggling I still made sure to pay Navient because I needed this program. 
Last week I received an email that my program is coming to an end! I was confused and found the paperwork that says my loan agreement term is until XX/XX/year>. I called Navient today and they told me that there is nothing they can do for me. I explained the situation and told them I have the documents that say my program is supposed to end in XXXX. I asked for other options and they said that they dont see an option for me to be on a rate reduction program anymore but I should call back next month. I am so upset. I am on a tight budget and its a fact that they lied to me. Not only did they stop my plan but they couldnt give me a better option and I dont know what to do. I can not afford a higher payment. I am uploading proof of what I am saying. This is a horrible business with no respect for their consumers
Consumer complaint received 2023-12-05
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (PA)

On XX/XX/23 I contacted Freedom Debt Relief to inform them that I still had more than {$8000.00} on the XXXX XXXX credit card that they Freedom Debt Relief said had been settled about 3 years ago. The reason XXXX XXXX says that there is still over {$8000.00} in delinquent moneys owed is that Freedom Debt Relief broke the settlement by not paying the total amount agreed upon by both parties. Freedom Debt Relief acknowledged to me that this is correct, and they did not pay a XXXX  XXXX the entire amount yet told me 3 years ago when I graduated from their program that all settlements were complete. Freedom Debt Relief refuses to contact XXXX  XXXX concerning this matter and is telling me that I need to get a collection report from XXXX XXXX showing that they are still trying to collect a debt from me. XXXX XXXX is refusing to contact Freedom Debt Relief to discuss the matter and refusing to send me any type of collection notice or even send me the balance on the credit card account so I can forward it to Freedom Debt Relief. I am stuck, and this debt has been on my credit report as a delinquency for 3 years now negatively impacting my credit score!
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

Opened a credit card with American Express, enrolled in online profile and linked the card to my XXXX account, after that made a purchase all worked fine. 

After the first transaction went thru they blocked everything and since then I cant use the card anywhere, it dropped my credit score XXXX points, they ask to connect to a system to provide my drivers license and the system didnt work, I dont get it, why do you approve and do all this to a customer? I had to do 3 interviews proving my identity before getting approved, and I dont have any identity theft alert on my credit, they want to do the same thing after getting Me approved, this is ridiculous and abusing
Consumer complaint received 2023-12-29
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I cancelled my service with XXXX a few years ago but they continued to charge me ( I had moved to a new apartment that included Internet ), and they refused to fix the issue. They then placed my account in collections. I've successfully disputed the debt several times, but it keeps getting re-added. Here 's the dispute history with Equifax : Confirmation # Status Dispute Date Completion Date Results xxx PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX  COMPLETED XX/XX/XXXX XX/XX/XXXX Expired XXXX  COMPLETED XX/XX/XXXX XX/XX/XXXX Expired I think I've disputed it with XXXX  as well but I don't think it's ever been re-added there.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BSI Financial Holdings, Inc. (GA)

I am writing to urgently bring to your attention a concerning issue regarding receiving collections from the county due to unpaid taxes even though I paid as agreed via my monthly mortgage payments in 2020 ( and the entirety of my loan ) which is when county says they did not receive payment This situation is highly distressing and unacceptable, especially considering my consistent track record of timely payments. 

I kindly request your immediate assistance in resolving this matter. It is crucial that we rectify this error swiftly to prevent any adverse impact on my credit score Address : XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I was the victim of an elder scam. The scammer illegally tried to move my money from XXXX of XXXX checking accounts to another XXXX of XXXX. A fraud claim was filed. 3 of those accounts are not my money. Two are XXXX accounts where I am Trustee. The third was is the account I established for a XXXX beneficiary of one XXXX account. After the bank used the money in XXXX  of my XXXX accounts to satisfy the loss from the fraud, it made it impossible for me to pay my everyday expenses like rent/maintenance. Thus while my pension goes in to the only account which is my money, I am unable to use those funds to pay bills. I must have some form of access to this account - the only one handling my money. I will replenish the funds the bank took out of the XXXX account by next Tuesday, XX/XX/XXXX. Funds from dissolution of an asset could not be transferred into my personal account so a check will be sent to me for manual payment.
Consumer complaint received 2023-12-29
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (NC)

Hi, I decided to change my address on upgrade on XX/XX/XXXX, I was told my new debit card would be sent there and had photos that were approve for verification. I ask if I needed any proof of verification for my address and they said no. I later receive a email of my debit card canceled and I call to ask whats wrong but said to ignore the email and that my card is coming. Since XX/XX/XXXX I have received emails stating my card is coming in the email and no card so I called on XXXX XXXX and I got answers that I needed more verification and I am like no one has called me or emailed me anything and how am I suppose to know. Nobody reach out and I got mad at them cause they werent helping so I talk to the head person of the whole dept and told him he needs to gets his dept in line and not lie and this is false advertising of my debit card coming and I have a pay coming in and I cant use it and I have bills due on wed and they dont care. I am really upset and refuse to send it faster for their fault. So I be contacting XXXX XXXX  XXXX  to tell them what upgrade has done and never reach out and lied about the debit card and never sent no email about them asking anything and they all can say is sorry and refuse to send it to corporate. Now, I have more emotional stress than before and I get sorry. They have no care for our situations. I love corporate to reach out cause this isnt right. Banks should be reaching out to tell you about more info to get the debit card send but rather you wait and send emails lying that your card is coming into the email. They rather me send a letter to their legal team than fix it.
Consumer complaint received 2018-12-22
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: Experian Information Solutions Inc. (TX)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX
Consumer complaint received 2023-08-07
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 ( XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I am writing to bring to your attention an issue I have recently discovered on my credit report that requires your prompt assistance and resolution. Upon reviewing my credit report, I noticed that there are late payments inaccurately reported on the account mentioned above. Im very confused why this one seems to ignore my requests. These late payments are not reflective of my actual payment history with the creditor, and I believe there may have been an error in the reporting process. 

WELLS FARGO CARD SER XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO CARD SER customer service. 

I understand that maintaining an accurate credit report is crucial for financial well-being, and I am confident that this matter can be resolved amicably. I kindly request your assistance in correcting this discrepancy promptly. 

I appreciate your prompt attention to this matter and believe that with your assistance, we can rectify this situation efficiently. A correct credit report is essential for various financial transactions, and the accuracy of the information is crucial for maintaining my financial integrity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that you will update my credit report accordingly.
Consumer complaint received 2023-12-19
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. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (MI)

The account was charge off on my credit report and still remains there ask XXXXNITED AUTO CREDIT to send a 1099 but they declined. According to the law 15 U.S.C 1681 ( e ) b This is not prohibited After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. Contact the creditor if you receive a 1099-C reflecting incorrect information. If a creditor continues to attempt to collect the debt after you receive a 1099-C, the debt may not have been canceled and you may not have income from a canceled debt. Verify your specific situation with the creditor. Your responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.