davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (CA)

I recently reviewed my credit report and was shocked to discover numerous errors in the reporting. It's baffling to me why this company is reporting this account on my credit file. I have always maintained timely payments and have never been delinquent. Upon contacting them, I was advised to dispute the matter with you.Specifically, I noticed discrepancies related to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

Started receiving emails a couple weeks ago about an account being opened with Chime and then got another email today to activate my new card. I never opened an account with them and never received anything in the mail. When I called their customer service line today XX/XX/2023 they had my cellphone number already tied to an account so I got right through. They tried to get my DOB and other information to verify me but I refused. They transferred me to the investigation department which they tried to do the same thing, I also refused. They would not cancel the account over the phone so they gave me an email " XXXX '' to ask them to cancel my account. I did and the emailed me back within 10 minutes without any further questions and that my account has been canceled. I went on some threads online and see this is an ongoing problem with Chime and I fear they are falsely opening accounts without approval.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
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: EQUIFAX, INC. (TX)

XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
Bk of XXXX. 
XXXX Bank XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX CR/Dodge of XXXX XX/XX/XXXX XXXX 
Bank XXXX XXXX XX/XX/XXXX. 
XXXX Fed XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX  an email was received from Chase bank on my wife 's email stating thanks for applying for a Chase Sapphire Preferred card ( the application was under my name. ) I did not submit the application and neither did my wife. On XX/XX/XXXX  I called Chase at XXXX and was told there was no application under my name or SSN. I was transferred to the application team at XXXX who confirmed there were no active applications under my name or SSN. On XX/XX/XXXX  I called the Customer Protection Group at XXXX and was assured there were no applications under my name or SSN. On XX/XX/XXXX  I received a letter dated XXXX ( mail ) from Chase telling me they were unable to access my credit report and that I should contact XXXX to allow access. The letter refers to reference # XXXX. I called the Customer Protection Group at XXXX again and was told there were no applications under my name or SSN. I then called the number on the letter, XXXX, Chase Card Services and they confirmed there is an active application .They cancelled the application. I asked for the information that was submitted on the application and was told they can not provide it.
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc. (NC)

Over the course of   XX/XX/XXXX , I ac crued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on   XX/XX/XXXX .  While I was on  XXXX   XXXX , the colleg e discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA.  That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA.      ( my  web browser wont let me select the box for publication of this complaint, but I consent to the CFPB 's doing so )
Consumer complaint received 2023-10-18
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)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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 an account without my written instructions
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MA)

Account ending in XXXX with Suntrust bank was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by Suntrust Banks collecting department. 
I have disputed with XXXX  and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-04-10
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)

I am writing to bring to your attention a fraudulent and/or inaccurate medical collection that has been reported on my credit score. I do not recognize this alleged debt and have not received any validation from the credit bureau as to who the original creditor is, the original account number, the amount of the debt, the date the debt was incurred, and why the original creditor or collector never pursued the collection directly to me according to the Fair Credit Reporting Act. 

I have taken all necessary steps to dispute this collection with the credit bureaus and have requested that they provide me with validation of the debt. However, to date, I have not received any validation from them at all. 

As a consumer, I have the right to accurate and truthful information on my credit report, and the inclusion of this fraudulent and/or inaccurate collection is causing significant damage to my credit score and my ability to access credit. The continued listing of this medical collection despite previous investigation suggests that Their procedures have not been adequate in this case.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OR)

I open a checking account with Citibank. The promotion was that if u open a city priority checking account and make a deposit of XXXX then you will receive {$500.00} bonus after 90 days. I made a deposit of XXXX to my city priority and after 90 days have still not received the {$500.00} bonus as promised. I have contacted city and they refused to give the bonus that was promised
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc (OH)

XX/XX/2023 was notified by pay pal i owe XXXX to an XXXX XXXX. I do not know or even heard of this person. Now they added a late fee, total now is XXXX. 
I do not owe this to pay pal or This XXXX XXXX.
Consumer complaint received 2023-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

I have contacted this loan company American education services several times about lowering my monthly payment and interest rate. this company states there are only 3 repayment options able to use in the life of the loan and that I have use all of them. I think it is unfair to have only 3 lowering payment options in the life of a loan of this size. I have already exceeded paying the amount the loan was initially taken out for which was {$33000.00} on XX/XX/2007. As of today, the amount paid on my loan is XXXX. Total interest satisfied has been XXXX. Total principal satisfied {$9700.00}. This company is saying that I still owe {$38000.00}. I am a XXXX XXXX and have worked through covid to pay this loan with no relief or help from this company in lowering my new monthly payment of {$640.00} and new interest rate of 12 %.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid 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: Paypal Holdings, Inc (PA)

A teacup puppy was offered for sale for {$600.00} on XX/XX/XXXX. I paid the purchase price asked, which included taxes and fees. I paid a total of {$620.00}. Later, they wanted more than double the purchase price for me to receive the puppy  via air transport. When I declined and asked for my money back there was no response. XXXX XXXX XXXX is the name of the website. They still have the same puppy  named XXXX listed for sale. All I want is my money back. I have also messaged XXXX at Paypal twice with no response. His name on Paypal is XXXX XXXX XXXX. Fortunately the purchase was through my XXXX XXXX and not my bank account. Beware of these scammers at XXXX XXXX XXXX advertising teacup puppies!
Consumer complaint received 2023-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation (VA)

I am writing to you to file a complaint against a company known as NCC Debt Collector, whose persistent and invasive harassment has been ongoing for an extended period, causing a significant infringement on my privacy and immense inconvenience. I am hopeful that your department can take action to address this issue. 

The Debt Collector is using multiple different phone numbers, including XXXX XXXX XXXX XXXX and XXXX, to harass me several times daily. Furthermore, they leave computerized recordings of meaningless numerical codes, simply repeating these codes during the calls. One such instance was on XX/XX/XXXX, where they used the phone numbers XXXX and XXXX to call me on the same day. The first call was XXXX and they called again in the afternoon at XXXX on that very day. This harassment has not ceased during my business trip to XXXX, they have continued calling late at midnight, significantly disrupting my rest and work. 

I understand that because of this harassment is a medical bill, but I must emphasize that I have expressed my concerns on multiple occasions, requesting that the Debt Collector contact the hospital and insurance company to verify the accuracy of the bill. However, they not only disregard my requests but persist in daily phone calls. While NCC Debt Collector claims in their correspondence that they can resolve disputes via email, they have refused my emails for various reasons, asserting that they only accept contact via phone and regular mail. This suggests a lack of transparency on their part, and it leaves me feeling highly uneasy. 

I kindly request your department to take immediate action to put an end to this harassment and protect my rights and those of other victims. I also ask that your department investigates the actions of NCC Debt Collector to ensure they comply with all applicable laws and regulations, and that appropriate measures are taken to curtail their abusive behavior. Thank you for your attention to this matter, and I look forward to your prompt response. I am willing to provide further information if needed.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seattle Service Bureau, Inc (NY)

Hello, I took a loan from XXXX XXXX  in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called National service bureau last year. In XXXX of this year I called National Service Bureau and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you
Consumer complaint received 2024-03-14
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. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (AZ)

When making attempting to complete the final {$34.00} of my monthly minimum payment for my XXXX  XXXX XXXX credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with 0 late payments, and for my account to be closed immediately after 1 late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX, which XXXX XXXX  XXXX did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have submitted my Employment Certification for all of my nonprofit employment periods and my eligible payments towards PSLF has not been applied. I should over 120 payments to begin my loan discharge but MOHELA/Fed student aid has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over 3 years but they are not applying it correctly. And I asked for Forbearance or pause to monthly loan payments until issue resolved and they have denied my request.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX I have not applied for any credit nor have i caused any inquires since XXXX the following information has been my only information since XXXX address XXXX XXXX XXXX XXXX ga XXXX. XXXX. I have never applied for student loans.
Consumer complaint received 2023-06-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-31
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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