davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2023-08-30
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. (AR)

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern.I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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: EQUIFAX, INC. (GA)

I submitted a letter to the XXXX and Equifax Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-30
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. 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 fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

Chase bank has a tool called XXXX XXXX  where you can send a link to your clients for debit or credit card payments. In my case, my construction company completed a lighting installation job in a warehouse for a total invoice of about {$30000.00}. I agreed with my client to receive multiple payments over time. The first transaction, {$7000.00}, went smoothly using Chase 's tool. However, WePay blocked my account for the second payment. I contacted the bank, and they advised me to appeal the decision via email. After providing invoices, email conversations, company documents, and social media details, they unblocked my account. 

Initially, I thought it was a security measure due to fraud suspicions, so when they unblocked me, I assumed everything was clear. To my surprise, when I attempted another transaction, they blocked me again. Not only that, but they also kept the {$10000.00}, which my client and I no longer have. Bank agents are unable to assist, impacting my business and payment obligations.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (GA)

This account is not 30 days late, OneBlinc received a payment on the XXXX of XXXX, the payments are biweekly, they have a times on their website under my account showed where you owe them nothing yet your still XXXX number of days past due. also, the balance they report for the end of XXXX does not match the statement balance. 

OneBlinc is reporting false information. They have already damage my credit by lowering my score XXXX points
Consumer complaint received 2023-06-14
Product: Credit card or prepaid 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: CITIBANK, N.A. (NV)

I attempted to do a balance transfer from Citibank for approximately {$7000.00} it was never posted to the account and I am being billed for it. I contacted the company in attempt to dispute and they have failed to remedy the situation. XX/XX/2023 for a balance transfer and a fee was also charged on XX/XX/XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX of XXXX I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over 15 times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all 3 platforms. Experian, XXXX XXXX and XXXX. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over 17 different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out 132 pages on this report that the inquiries listed are insane. I have requested for this to be taken care of as well.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

On the XXXX of XXXX, an automatic draft of {$86.00} was supposed to be deducted from my checking account, but it was not. As a result, a late fee of {$40.00} was added to my account. I filed a dispute request through the company 's process, but it was denied. I have an auto-pay draft and have already done it. I went ahead on XX/XX/24 and made a payment again.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Called several times about these so-called unpaid fees, back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they said these unpaid fees came from XXXX and that is a lie as I have been under forgiveness and iDR under department of education , they told me on all the calls after these appeared, that they would take care of it and waive all the fees. They have lied and lied and lied. They took forever to discharge my other loans from department of education over 9 months of trying to collect higher interest until they were discharged. Everytime I call them they tell me lies and continue to lie. I am disabled and always submitted the income driven renew on time and when they get they will take 3 months to process it or give a run around.
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (OH)

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies.

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XX/XX/XXXX : I successfully open a XXXXXXXX XXXX XXXX  savings account XX/XX/XXXX : I attempt to connect my bank ( XXXX doesnt take my bank. doesnt tell me this though! ) instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXXXXXX XXXX  : I call XXXX. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently XXXX sent ChexSystems some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because XXXX 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for chexsystems, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of ChexSystems, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, just XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call XXXX back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules XXXX can not do ANYTHING FOR ME~! I have to reach out to ChexSystems. He was upset as well, he didn't even know this could happen. 
XXXX filing this complaint. Will bring lawyers into the situation if needed.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

When I opened a checking account with Wells Fargo, an additional savings save as you go account was opened for me. Funds would be moved to this account at irregular intervals causing overdrafts and fees usually in amounts of $ XXXX {$35.00}. I opened these accounts in 2013.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (CO)

I went to transfer funds into my Affirm savings account and was denied the transfer stating that they can not verify my identity. They locked all of my bank accounts that have been input for transfers with no explanation they have never called me, emailed me or anything so as of right now I have {$780.00} that I need for a vacation that I have been saving for that I can not access, when I called them I was transferred four times no one could tell me why my account was frozen. Finally the last person I spoke to you told me they had to escalate it and that someone would email me within 4 to 5 business days now when my money is frozen, I understand youre trying to protect my identity, but I expect this to be resolved within 1 to 2 business days not be sitting here waiting for five business days for whatever information that they want when they never even notified me what was going on with my account. I suspect they flagged it because I let my daughter take alone and we have been paying that loan with her debit card so Im going through this ridiculous nightmare because I used my daughters debit card on my loan I just want my money out of my savings account. One must wonder what would happen if I had an emergency and couldnt access my money I will never bank with them again. The really infuriating part is that they continue to take money out of these accounts that theyre saying they cant verify so its fine for them to take payments, but they wont allow me to access my savings.
Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

THIS IS NOT A DUPLICATE COMPLAINT I applied for the School Misconduct Discharge Application through Navient back on XX/XX/XXXX, and after several weeks of not hearing anything about the application being received, I called and found that my emailed application with supporting evidence had never been received. After about a week of correspondence, I was able to get the application and evidence through their email server as well as mail a physical copy of all of the documentation to Navient and my loans were finally put into forbearance on XX/XX/XXXX. 

After XXXX weeks of waiting ( to the day ) I received XXXX denial letters from Navient, XXXX for each of the loans, but with no specific information about why I was denied discharge given all of the personal evidence and the federal evidence ( and discharge ) announced on XX/XX/XXXX. 

I want Navient to provide specific evidence as to why my application for XXXX XXXX XXXX was denied as the following tells me nothing about rectifying this situation : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' Regardless of whether the person that reviewed my application on this particular day agrees or not, I was misled by the Art Institutes as a student, and since the government has determined that there was enough evidence for a mass discharge on the grounds of fraud and deceptive practices, under the Holder in Due Course rule, Navient should do the right thing and at bare minimum discharge these loans, if not discharge and fully refund all payments, as stated under the Holder Rule. 

Navient, please provide specific reasons as to why my XXXX XXXX XXXX XXXX was denied and reconsider my application.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (FL)

Hello, I ordered a new physical checkbook from SOFI from my online account. 

I never recevied the physical checkbook in the mail. Then a few weeks later, I saw XXXX forged checks on XX/XX/XXXX in my account. Since my savings is linked to my checking, these checks overdrew my account and then they look all the funds out of my savings. 

Check # XXXX {$1900.00} Check # XXXX {$1900.00} Check # XXXX {$1800.00} Check # XXXX {$1800.00} XXXX : {$7500.00} I called XX/XX/XXXX to start the investigation. I send in XXXX affidavits of forgery. I have emailed and called into SOFI to get this matter resolved. They have not temporarily reimbursed me for the funds and I am closing on a house XX/XX/XXXX and need those funds for my downpayment. 

I have been with SOFI a few years and have never had any issues. Please help me to resolve this and get my money back ASAP. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (WI)

In accordance with the Fait Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account as an open end consumer credit plan as late for any purposes! 

Security finance late payments XXXX and XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

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.