davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit report dated XX/XX/2023 from the three major credit bureaus shows that XXXX consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Consistently, I've made sure payments on this account are timely, never allowing them to lapse. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be applied.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I am filing a complaint against Chase Bank and the investigator for a transaction at a post office for {$1000.00} that was fraudulently taken from my account. This is in response to an original complaint I made against the bank where they failed to do proper due diligence in investigating my case and kept my money in a transaction their bank never fulfilled.

Original Complaint-XXXX : On Monday, XX/XX/XXXX, between XXXX ; XXXX and XXXX XXXX  I tried to purchase a money order at the post office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used both my Chase debit cards and each one was declined. When I went to check my account, the money had been deducted from my account, but the money order wasn't processed. I went to the clerk again and she said that the money order was declined which is why their machine wasn't able to process it. I went back two days later to speak with her and recorded her repeating the same thing on video. Anyway, I called and made a complaint to Chase on the same Monday to their fraud department. I was promised to have the money credited back to my account within 2-4 business days, it's been 6 days now. I called again on Wednesdays and they said it should only take 4 days at most. When I called again yesterday, XX/XX/XXXX, I was told that they would take care of it and return the money since the transaction posted. I checked my account today ( XX/XX/XXXX ) and the money ( {$1000.00} ) still hasn't been credited to me.

New Complaint : I have read Chase Banks response and it didn't address my concerns at all, in fact it deflects the blame on me. First, I never received a money order from the post office I paid for. Secondly, Chase Bank insinuates that the transaction did go through on the first card and that only the second card was declined when I specifically told them that both my debit cards were declined at the point of service. The clerk at the post office can verify this too. I have made a complaint with the post office since then and who have been much more responsive and considerate than the Chase representative, XXXX XXXX. When XXXX XXXX contacted me he asked for additional evidence to provide him in the investigation. I told him I would get back to him. When I called back two days later with more evidence he told me the investigation was closed while denying he ever asked for any additional evidence previously to resolve this problem. In the complaint I made with post office ( Service Request # XXXX ), their preliminary investigation found there were no money order transactions made for {$1000.00} at that post office branch that whole day. So it seems that the problem reverts back to Chase bank. The money was taken from my account, the post office never received that money, I never received a money order, and that my money still resides in Chase bank.
Consumer complaint received 2024-03-24
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. (IL)

Experian, XXXX, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX  XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XXXX XXXX  XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Consumer complaint received 2024-02-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peak Acceptance, LLC. (OK)

XXXX and XXXX are attempting to collect a debt that has exceeded the legal time limit. The debt is an auto loan from XXXX that I cosigned for my ex-husband. The vehicle was surrendered in XXXX. After calling them, a call that was recorded and they have referred to in a previous dispute, their representative told me that they had never seen a debt that old before. After disputing the debt, in retaliation XXXX and XXXX have added late payments to my credit report, in XXXX on a XXXX XXXX XXXX debt that has no late payments. 

Last year I had XXXX XXXX that caused XXXX and I don't have very long to live, and what this company has done to me and my credit report has forced me to stay in a rented home in a bad area that is bleeding what little finances I have dry.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My mortgage from XXXX XXXX XXXX XXXX was removed by Equifax from my credit report. This was done on purpose by Equifax to lower my credit score/rating. Per XXXX XXXX XXXX XXXX, they are reporting and have always been reporting my mortgage to Equifax. Equifax needs to put this account back on my credit profile.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian XXXX XXXX has been violating my consumer right i mailed them a certified letter notary letter on removing late payments due to XXXX XXXX which is a violation of 15 USC1681i ( a ) ( 7 ) on XXXX TRACKING NUMBER XXXX under the cares act law i was granted a payment accommodation per Section 623 of the FCRA account has to now report as current. They have yet to respond or sent any updated credit response in reasonable 30 day time for the past 7 months i have all tracking receipts for these times im asking them to do what is by law and update my information to current.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I submitted my paperwork for 4 years in a row, certifying my public employment and was given no credit when my loan was transferred. I only have my new current positions credit with my new servicer. Navient did not send over any documents indicating I was enrolled in an IDR and I had certified my employment. They need to provide this information, I am having to go through a lot of hoops to prove my public employment and eligibility because they didnt send over the information.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc. (NC)

On XX/XX/XXXX ADP took {$3400.00} out of my account. They said it was a forfeiture. I caught it on XXXX. Called them and they would not explain it to me. Said I needed to speak with my companys administrator. I did and my company administrator said they were not right in do it and in fact they had done it for several other people at the company. Our company administrator could not get a good explanation from them either but ADP admitted that it should not have happened and they would correct it and put the money back. Some time between XX/XX/XXXX and XX/XX/XXXX they totally erased the transaction as if it never happened, however my account value only went up by {$1700.00} between those two dates. In addition my account, by ADPs calculation, had been showing an over 20 % gain between XX/XX/XXXX and XX/XX/XXXX. So, my account should have gone up by {$3400.00} plus the 20 % gain. Also, after they erased the transaction, the ADPs calculation of my net gain dropped to less than 16 %. I have requested an explanation, but to this day they have not even attempted to give me one. They tell me to see my company administrator and she says ADP is not giving her answers. These people are supposed to be a fiduciary, but they wont explain to me what they did and why it doesnt appear to me like they put enough money back into my account.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC (CA)

Funds transfer from XXXX  XXXX XXXX to XXXX XXXX  via Zelle. 
XXXX  XXXX XXXX claimed & concluded from my recent inquiry that funds were withdrawn. XXXX XXXX  Account Holder claimed not received. Per Zelle, I need to inquire with my bank even after I explained that the money is with the Zelle provider. 
If both XXXX & XXXX do not have it, then where is the funds... floating in the air?
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (OH)

This credit bureaus stated that my account was properly investigation but how is that possible if open data is inaccurate, the date last active is inaccurate, the data last reported is not accurate. This ground for removal they have also violated my rights under XXXX XXXX XXXX XXXX XXXXXXXX States I have a right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : is also states a consumer reporting agency can not furnish a account without written instruction
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Ive told them what the correct name is and they fixed it on my personal member account. However, they still have it wrong on my personal credit report. The message I receive every time I try to receive my credit report. Sorry, we can't show you today 's 3-bureau report. 
This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. Since XXXX XXXX this has been effecting me.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I borrowed {$1200.00} to start a XXXX XXXX. I have been paying on this card from Chase bank for XXXX  years and the interest rates have not went down. The more I pay the more the payments increase. This has been going on for XXXX  years or more. No matter how much I pay it doesnt make a difference
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I have had this item on my report since XX/XX/XXXX called " Dept of Treasury '' to the tune of {$37000.00} on my Equifax report. 

I have disputed this item several times, in 48 hours flat every time it comes back as " Verified '' considering it is pure fraud I'd love to know how that is possible, but of course Equifax will not share how it " Verified '' I have demanded to see my signature on this alleged " debt '' no signature was every produced yet it " verified '' In XX/XX/2015 New York State attorney general XXXX XXXX stated " The bureaus often outsource thousands of disputes daily to workers overseas who generally are told to translate the problem into a two- or three-digit code that is fed into a computer ; the code and any documentation are sent to the creditor. If the creditor verifies the information, no further investigation takes place '' This was to change but it appears it is still happening today over 3 years later ... ... 

No one is governing these people no one is enforcing ANY rules up them. 

Force these companies to show a signature or remove it. 

In todays world, the consumers input is less important than the bank or collectors input, said XXXX XXXX, credit expert at XXXX, adding that the credit agencies always take the companies word over consumers. The attorney generals settlement changes that. 

Let 's be honest this is a BUSINESS and the collection agencies PAY for this type of reporting, WE as consumers are not Equifax 's customer, they are!!! This is nothing shy of monopoly on credit reporting fraud. 

I have sent notarized letters to XXXX XXXX - XXXX XXXX XXXX - XXXX customer Care XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX and most importantly XXXX XXXX Both Via email and USPS mail to each and every one of them I have got ZERO response on this issue however in the time since I have had TWO disputes " Verified ''
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit inquiry on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Az XXXX XXXX. XXXX XXXX Inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX inquiry on XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX  NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX 7. XXXX XXXX inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

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 2023-12-24
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America edd prepaid card un expectedly frozen my account back in XXXX, for about 1 year later on I then find out it was due to linking my card to cash app. So since that I've made numerous attempts and calls to them providing all information requested by them. Accuratly. Over and over I am told to physically go to a branch with id. Well a number of times not only myself but also my finance stressed the fact that due to a life threatening incedent I'm unable to do such due to physical and mental challenges I now am facing. I have offered to send over my identification documents. They are not willing to work with me. Not once have I been notified by edd if any identity issues. I still have funds in my account that I desperately need access to. So where do I go from here.
Consumer complaint received 2023-03-22
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: Navient Solutions, LLC. (TX)

This is in response to complaint XXXX. The true nature of my creditworthiness is not being reflected because there are inaccuracies being reported within the account NAVIENT. They are reporting that I was 90 days past due, but XXXX and XXXX are only reporting 2 negative dates while XXXX reports 1. How is this accurate when all data furnished should be the same? Also, if I was late 90 days there would be another date listed where I was late. Lastly, you are reporting different account numbers for the same account. How does this meet FCRA regulations? The account numbers being reported are XXXX, XXXX, XXXX. I am demanding that this account is deleted from my credit report immediately for incorrect information.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XXXX 2024 at approximately XXXX pm, I made a cash deposit with XXXX of Citibank 's ATMs at their XXXX XXXX XXXX XXXX. Instead of depositing the correct amount of {$2400.00}, the machine took the whole sack of bills and only deposited {$1900.00}. The atm screen showed errors and I couldn't take the money back. I believe the XXXX dollars was jammed into their machine.