davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort
Consumer complaint received 2023-12-06
Product: Credit 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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023 I received notice that a purchase of {$810.00} was made on my account for a purchase of tickets to an event. I did NOT authorize this transaction, nor did I have possession of my card. I realized my card had been stolen and immediately called Chase Fraud Protection to report the unauthorized transaction, as well as issue myself a new credit card. They immediately credited my transaction and sent my card back. All seemed fine, until a month later on XX/XX/XXXX, they reinstated the charge for {$810.00}. They claimed that I had " received benefit from this purchase '' which is completely false and untrue. I have no idea what was purchased or where these tickets are. I have called Chase Fraud Protection multiple times and I am always outsourced to a call center in XXXX. They typically have no idea what is going on with my account and read notes that I benefited because my email and address were used to purchase the tickets. The problem is, the email they claim I used, I have not had access to in over a year. It is possible that my email account is compromised and my credit card information was left somewhere in my email account and that whoever had access, was able to make a purchase. Regardless, I did not authorize this transaction and due to Chase 's " Zero Liability '' policy on my credit card, I should not be charged for this transaction. I am leaning on the CFPB to right this transaction before I am forced to take Chase Bank to small claims court. Thank you for your help.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.
Consumer complaint received 2024-04-01
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. (CT)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I made payments to XXXX XXXX during the COVID forbearance period. My loan was transferred to MOHELA on XX/XX/XXXX when I submitted my waiver to be included in the temporary PSLF program. I received information about I am eligible for a refund of my payments under the CARES Act in XX/XX/XXXX and was told to submit the request to my current loan servicer, MOHELA. I requested the refund of my {$5700.00} in payments made to XXXX XXXX during the COVID forbearance period from XX/XX/XXXX through XX/XX/XXXX under the CARES Act to MOHELA via their online messaging platform on XX/XX/XXXX. MOHELA responded to my message on XX/XX/XXXX stating they received my request and will process the refund, quoting up to 90 days processing on their end and another 90 days for the Department of Treasury ( DOT ) to pay the refund. 

On XX/XX/XXXX I called MOHELA as the funds had not arrived. The representative stated only {$1700.00} was requested to be refunded and the authorization for payment sent to DOT on XX/XX/XXXX. I submitted an appeal for the full {$5700.00} I am owed and uploaded proof of payment for that full amount to MOHELA. I have received no response. 

This morning, XX/XX/XXXX, I was finally able to get a hold of a DOT representative. They said they have no records of a request for payment under my social security number. 

Please help as my family and I are facing extreme financial hardship as we were expecting to have these funds by now.
Consumer complaint received 2023-12-06
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. (IL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXXXXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 
( b ) OPT OUT ( 1 ) IN GENERALA 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. 


I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23. ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) { XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 } you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report
Consumer complaint received 2024-04-01
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a 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 2023-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I found a late payment on my credit from XX/XX/2022 for my Kohls credit card. My payment was NOT 30 days late. It was accidentally 7 days late and when I realized it, it was paid and account was current. XX/XX/XXXX payment was due and late fee charged, XX/XX/XXXX it was paid and most of late fee returned. They are refusing to remove this from my credit report and this doesn't make sense to me and is very unfair. It clearly says late payments should be XXXX days old, not 7 days.
Consumer complaint received 2023-12-06
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: OneMain Finance Corporation (KS)

I received a notification that a loan application was submitted under my name for a load with One Main Financial on XXXX. I called one main and reported the fraud and they said they would decline the application. I have also called XXXX to put a freeze on my credit. XXXX told me to file a report with reportfraud.ftc.gov and send them a copy of the report to have the credit inquiry removed from my credit report
Consumer complaint received 2023-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

On XX/XX/2023, my savings account was changed to a checking account in the XXXX XXXX XXXX of Citibank and it has been impossible to obtain an online view of this checking account. Also, it took five weeks to obtain said checks because I was told that they did not have my " zip code ''. On XX/XX/2023, a visit was made to the XXXX XXXX, Illinois, branch of this bank where I was told that I needed a debit card to obtain an online account to view my checking account. On XX/XX/2023, an ATM card was sent which did not allow me to get anywhere because it was not a debit card. On XX/XX/2023, a debit card arrived and it was impossible to see my checking account online as well. This is very frustrating and causing me great XXXX
Consumer complaint received 2023-04-25
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 have hard inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX , XXXX XXXX , XXXX  XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX that needs to be removed immediately from my credit report
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (CA)

In XXXX they just posted a collections account from Zions Debt Holdings for {$1800.00}. 
It says it's from XXXX for XX/XX/23. I have told them all that this account is not mine and have never had an account with XXXX. I have requested proof that this account is mine. No-one is responding and XXXX refuses to remove it from my credit report.
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IN)

these accounts below listed the following company as the creditor American Profit Recovery Inc. : Lawn Pride XXXX This company American Profit Recovery is NOT the creditor, I never contracted with them, and I sent certified letter to them and also ALL the Credit consumer agencies to immediately correct my report and remove this Fraudulent account. 

If they are communicating with me in an attempt to collect a debt, they are also subject to the federal Fair Debt Collection Practices Act ( FDCPA ). This law sets specific rules and guidelines for how debt collectors can contact and communicate with consumers. If a debt collector violates any of the provisions of the FDCPA, I may have the right to sue in federal court and recover damages against them.

They furnished this false account on my reports and this has caused my credit worthiness to be affected!
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I received a solicitation from American Express to add an Authorized user to my existing Platinum account and upon spending {$2000.00} on the Authorized users account, I would receive XXXX bonus points. I followed the instructions and added my son. We subsequently made the required purchases on his card and waited for the bonus. On XXXX I reached out to American Express via chat and they noted the information, stating they would research it and inform of a resolution. I provided the the solicitation email information ( I still have the solicitation ) and was told it could take up to 90 days to resolve. I reached out in late XXXX and was told they were still researching it. Since it wasn't beyond the 90 days, I accepted this and decided to follow up post 90 days. On XX/XX/XXXX ( well beyond the 90 days ) I again chatted with AMEX to follow up on my request. I was told the information I provided from the email did not allow for the bonus. The rep advised they would reopen the request and that it would take an additional 10 - 14 days.

Amex was deceptive in with this solicitation as I followed all requirements outlined in the solicitation, which I still have. I'm extremely disappointed in this discriminatory bait and switch tactic that AMEX used.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OR)

Since XXXX of XXXX I have been trying to get a claim the has been reported by NexisLexis on my XXXX   report corrected, It was a hit and run to MY car in a parking lot. I was not even there when it happened. They have it as a at fault collision. I have sent them copies of the letter from the insurance company that states I am not at fault 3 times and I have been told they changed it in my record, but still to this date it comes back as an at fault accident. This makes me have a much higher premium than if it was not on my record.
Consumer complaint received 2024-04-01
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

Late payments are illegal according to 15 usc 1681 a ( 2 ) ( 1 ) under exclusions.

15 usc 1681aDefintions ; rules of constructions ( 2 ) ExclusionsExcept as provided in paragraph ( 3 ), the termconsumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed to the consumer no later than 21 days before the payments due date
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NY)

My home mortgage account was transferred from XXXX XXXX to Shellpoint Mortgage in XX/XX/2022. I was under a forbearance with XXXX as I lost my job from XXXX and was in the process of a loan modification when I was told mortgage was transferred to Shellpoint. It took them 6 months December 2022-June 2023 to agree to a 6 month trial but I paid on time each month. They then sent me a new loan mod for {$800.00} more a month in addition to a XXXX PAYMENT of XXXX to be paid even if I were to refinance or sell the property prior to maturity. I have reached out to other mortgage brokers and lawyer and they said this is illegal and is predatory lending. They are charging me with a penalty of {$160000.00} on top of my mortgage. This is outrageous!!
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Check Recovery Bureau, Inc. (DC)

XXXX XXXX XXXX is attempting to collect a debt for XXXX XXXX XXXX ending in XXXX, with their reference number XXXX. This debt was already paid with XXXX XXXX XXXX on XX/XX/23 with their reference number XXXX. XXXX XXXX XXXX has sent me proof of payment of debt being completely paid and satisfied. I have not received any attempts to collect from XXXX XXXX XXXX.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

XXXX Fifth Third Bank is who I have done banking with for 3 years and while I am sitting at work one day with my debit card in my hand, I logged into my account online and my money had gone from {$410.00} dollars ( which was part of my rent money ) to XXXX dollars and the charge said XXXX I have no bills I pay to XXXX for any reason whatsoever. I reported this immediately to my bank and they shut that debit card down. It states in the cardholder agreement that with-in 10 business days they will credit my account while they complete their investigation. It has been 30 days and I still have not received my money back I even called XXXX and they looked into it and told me I was a victim of gift card fraud. The criminal who created this crime got away with getting my money out of my account to purchase a gift card and then cashed it. If I can not receive that money back by the XXXX of XXXX My daughter and I will become homeless with no place to live because the bank did not honor their agreement they sent me a paper to sign told me I could email it back I did the same day and still nothing no money. If I become homeless where is my protection I am scared to death and someone needs to be arrested for this crime. I was a loyal member for years and this is how I am treated.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

On XX/XX/2023 I purchased a puppy with Zelle and XXXX. Both are connected to my checking account and XXXX. Zelle pmt was {$500.00} and XXXX pmt was {$370.00}. The transaction turned out to be a puppy scam online through XXXX. I reached out to both companies and have had no response. 

The fact that both Zelle and XXXX are connected to my chase checking account I thought I am protected from fraudulent charges and scams. 

There has been no response from the companies regarding my fraud and scam. I am supposed to be protected by my bank or I would have never connected Zelle or XXXX to my account.