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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy. which Experian was alleged to have violated. 

Section 602 A of U.S.C. 1681. States I am entitled to privacy.

In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent.

No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section.

U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

In XXXX of XXXX, my employer wrote me a check for {$5000.00} as a personal loan. I deposited the check into my checking account with Chase Bank on XX/XX/XXXX. Chase never released the funds to me. They claim they need to verify that it's authentic but it's been almost a year and I still do not have the {$5000.00}. My employer called their bank XXXX XXXX  XXXX XXXX XXXX and said that it's Chase 's responsibility since the check was cashed. I will include screenshots of the cashed check. When I asked for the status of the " verification '' they said they are calling the owners of the business. The owner of the company I work for, New Standard Building Materials, never received a phone call. Chase will not release who they are calling. This checking account I had with Chase was receiving bi-weekly payroll amounts from this same checking account with XXXX  XXXX XXXX so I'm not sure how this would be fraud.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OK)

Hi, My loans since XXXX have been at a fixed interest rate for over XXXX. Now some of my loans are in variable interest rates and fixed. My interest rates has not changed in over 20 years on my loans. I have never consolidated my loans due to this. Now all of my loans have high interest rates and were closed and reopened on my credit report I don't know how this is even possible. 

Another complaint I have is each time I worked with XXXX XXXX and was not able to make payment on my loans the customer service agents either put my loans in deferment or forberance. Where if I was guided on income repayment plan most of my loans would be paid off or completed in XXXX. 

Navient aquired my loans in XXXX about and did the same thing. 

I have also worked in non profit organizations for XXXX  years but then was told that my loans don't approve for forgiveness plan even though I worked in a lower paying job for this option when I was appplying for forgiveness. 

My sister told me about the IDR plan XXXX  years ago. so all of my loans are on a XXXX  year idr plan. In XXXX my IDR was in review and I accured late payments on my loans even though the student loan payments were in grace untill XX/XX/XXXX. Navient is stating they didn't have to follow this due to being a private loan company. 

I feel like XXXX XXXX and navient are corrupt companies and honestly should be about done with my student loans. Also if they would educate people about the right payment plans maybe people would not be in such issues on student loans.
Consumer complaint received 2024-03-21
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. (FL)

I have found an account ( XXXX XXXX ) on my credit report that I did not authorize and this accounts need to be removed immediately, pursuant USC Title 15 1681b. I am writing to request immediate federal intervention regarding unresolved identity theft on my consumer credit report by : Experian Information Solutions Inc . Although I have received notice the account had been removed, the fraudulent account remains on my report ; this action violates my rights under the FCRA and to inflicts financial harm to my Family. I urge the CFPB to uphold my consumer rights as per the FEDERAL TRADE COMMISSION, to ensure immediate removal of this account : XXXX XXXX.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

In XXXX I received an email from my insurance company that my subscribers account was available for viewing online. I went to the companys website to view the account and saw that there was over XXXX dollars in savings.I was also told to look for a distribution in a few months. As if this week, I have received {$16.00}. I have been a member with USAA for 41 years. 
When I talk with other USAA members, my reimbursements are far less than other members that have experienced similar situations as my own. 
After receiving this distribution I call in to find out what remains, and there is just over XXXX remaining. That means that within less than 8 weeks, more than XXXX was distributed, but I only received {$16.00} dollars and XXXX cents. This has been occurring for the last few years, where my account has had greater returns.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

On Tues or Wed XXXX XXXX, I talked to a lady and told her I would call her back on Friday XX/XX/2023 & I wasn't able to do so due to getting sick. However, on that day after she called me from private numbers 2 times in one day and once on Sunday the XXXX of XXXX. I did not talk to her at that time, but I checked my voice mail and it was her leaving a message. I have since logged & received today on XX/XX/XXXX XXXX calls all by XXXX. I have within this past week received over 7 plus calls from One Main Financial which is against the law. They are switching up calling from private numbers and from their XXXX number. The calls/phone numbers/ date & time are kept on my cell phone incoming log.
Consumer complaint received 2018-09-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My credit report is showing that I was 30 days late XX/XX/2018 with my XXXX XXXX account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that XXXX reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. XXXX is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
Consumer complaint received 2023-12-14
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Started XX/XX/XXXX in which an unauthorized payment from my checking account was made on Jcpenny credit card in the amount of {$330.00}. 

On XX/XX/XXXX a miscellaneous adjustment was made on my account in the amount of XXXX and on XX/XX/XXXX a refund check was mailed to me in the amount of {$330.00}. 

These two adjustments were duplicated on my account and my account is now XXXX more than it should be. If the XXXX XXXX is taken off as an owned portion then the calculations would be correct.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

My XXXX best friend XXXX XXXX gave me a XXXX XXXX XXXX with my name from His account so that I could help him take care of his business as he became wheelchair bound, he said he put me on his account as an authorized user so i could help him, we were best friends for 20 years, he passed away in XX/XX/2022 and by XXXX I'm being notified by a collection agency that this is now MY debt! Afraid my credit would get ruined I pay the debt first payment on XXXX the XXXX on XXXX and XXXX on XXXX paid in full but know it's not MINE I contact original creditors and they open a fraud claim and later find me to be NOT RESPONSIBLE for the debt. The collection agency doesn't want to hear this they don't care they got my money and tell me I'm not going to get it back! They have come up with every excuse to not give me my money back, I've asked to speak to managers and still they won't give me my money back. The total paid is XXXX being on total XXXX myself I need my money. What's strange is the original creditors never tried to bill me for this so how does it end up in collection in My name??
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Telephone representatives that represent Synchrony Bank ( XXXX XXXX ) are refusing to give me access to my XXXX XXXX account so that I can make payments. After becoming ill ( and having to miss work for a time ) they locked my on-line account, and claimed a charge-off. I had already signed a prior contract to make payments of {$50.00} a month until the amount was paid off or caught up ; so they broke the contract, locked me out of my account; and as a result, my credit score is being negatively affected. I wish to have the account unblocked so that I can continue to get the account to a current state. They are engaged in unfair business practices.One should not have to argue to make payments on ones own account. The account is still active when they are claiming it's not. When I attempted to make a new account I received the message that I couldn't because their was already an account with my information. So they are actively lying. 

Thank you.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Still not letting this go! Wells Fargo has showed how classless it actually is. this is the 5th complaint on the same issue and the bank refuses to take responsibility for the dispute that is entirely its fault. why do I have to jump through hoops to prove my innocence on the back of a security breakdown of the bank. I have been through so much with my family and countless hardships due to the lack of compassion on the banks part and my family has been put in jeopardy because of it. ive done exactly as I was asked by all parties involved and still as a loyal customer of 20 years, am being asked to eat everything I have in all my accounts combined and the banks has not even offered as much as a XXXX of compensation. 

I will not stop these complaints Ever. until I have what was stolen from me I will not stop. its complete XXXX that the bank said they tried to get my money back from the XXXX XXXX that allegedly got my funds. ive done my due diligence and I am not willing to let this slide. im contraction every news outlet and im blasting this story. enough is enough. im tired of being blamed for your mishap and im tired of doing without while the bank looks down its nose at me and my family getting robbed while it fails to meet expectations of security and loyalty. grow up and make this right. I want every cent that was lost not a dollar more or a dollar less. im not in this to get a free payday. I just ask that I get back what I worked for months so hard for. just asking for decency. refer to my past complaints for details. if you are my case worker reading this put yourself in my shoes and imagine looking at my wife and XXXX XXXX XXXX girl and explaining why they didn't get a XXXX last year and why food is scarce. not a pity party but reality. use the contingencies that the bank has to make this right. do something opposite of the greedy world and help those who invest there money into a banks protection and rely on it to keep its word. protect those who are employed by the bank because of our business. ive more than proved my own innocence now lets see the bank do the same. 

God Bless The XXXX family
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. (CA)

Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution including mortgage companies to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information on my credit. I was not made aware these remarks were going to be placed onto my credit prior to or 30 days after.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution including mortgage companies to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information on my credit. I was not made aware these remarks were going to be placed onto my credit prior to or 30 days after.
Consumer complaint received 2018-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (AL)

TD Bank ( TD Retail Card Services ) sent me a debt collection letter dated XX/XX/23 for a past due amount concerning my TD Bank Yard Card. I received the letter on Friday, XX/XX/23. I immediately called TD Bank customer service to let them know that there was an error on TD Bank 's part because I made the payment online as I always do and the payment was removed from my bank checking account on XX/XX/23, two days before the payment was due. After speaking with three different agents between Friday, XX/XX/23 and Saturday morning, XX/XX/23, I was told I would have to email proof of the transaction. I was provided with the email address and an " Attention to '' number, being " XXXX '', and sent in proof on XX/XX/23. I was told I would be contacted once received. I did not hear from anyone yesterday, XX/XX/23, nor today, XX/XX/23, and have emailed TD Bank twice more requesting a response. I tried the customer service again who stated I would just have to wait to hear back from my email submission. I'm " disgruntled '' to say the least that I received a past due notice in the first place on an account that wasn't past due. I'm afraid this will cause a derogatory statement through the credit bureaus on a matter that was no fault of my own.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I DO NOT RECOGNIZE THE FOLLOWING INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Good afternoon, I had a credit card with XXXX XXXX XXXX.it was sold to a collection agency called XXXX XXXX ( account XXXX ) Their address XXXX XXXX XXXX XXXX sc XXXX Then another company trying to collect on the same debt called XXXX XXXX ( account XXXX their address XXXX XXXX  XXXX XXXX XXXX MN XXXX Then another called Resurgent capital account XXXX Adds XXXX. XXXX  XXXX XXXX MI XXXX   None of them would validate the debt because XXXX XXXX bill me some items in error
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXXXXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.
Consumer complaint received 2022-12-20
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2018-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Good afternoon I had a credit card by XXXX XXXX issued by XXXXXXXX XXXX .my credit line was only {$800.00} Now this collection agency called XXXX XXXX XXXX , who address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX They are trying to collect {$1100.00} I have contacted several times to validate the debts their reply was verified. 
I even disputed with the bureaus and their reply was verified.