davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I have applied to be on the XXXX income based repayment plan 4 times, once when I consolidated my loans, 2 months ago. ED financial accepted the consolidated loans the next day but did not put me on XXXX plan. I then applied to be on XXXX plan 2 weeks ago, still have not been accepted. I applied twice for XXXX plan on their online portal, still have not been accepted. I have submitted an online form for them to contact me 3 days ago, but have not heard back. I called 3 days ago and was placed in the call back line, but when they called back the next day they immediately hung up without speaking to me. Have been on hold today, was told it would be 85 minutes and am on hour XXXX, still have not spoken to a person yet. Because I have not been able to reach them and they have not received the multiple electronic communications I have sent them from myself and the Student Aid government site, my loans have been accruing interest and I am scheduled to make an astronomical student loan payment that I can not afford. This is absolutely ridiculous that I am forced to do business with this incompetent loan servicer.
Consumer complaint received 2024-01-17
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. (GA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

I downloaded my XXXX report to discover XXXX incorrect names and XXXX incorrect addresses on my consumer report, for a total of XXXX incorrect items on my XXXX report. I was alerted to the presence of these negative items on my report by XXXX XXXX XXXX XXXX, who denied me the use of my credit as a result of items reported by XXXX. 

As we know according to 15 USC 1681 " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Likewise at 15 USC 6801 it is stated, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Further at 15 USC 6802 we see that consumers are to be notified of certain information being on their reports and are afforded the opportunity to opt out ( an opportunity which I never received ) " Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. '' Lastly according to 5 USC 552a ( b ) " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ... ''
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The debt has already been paid in full but it is still showing on my credit report as unpaid. 
Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX )
Consumer complaint received 2024-01-19
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: Grain Technology, Inc. (TX)

15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681s-2 Send over information that is being requested in the letter for arbitration purposes.
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/year> there was an account opened ; according to my TransUnion credit report. I have contacted both TransUnion and the creditor ( XXXX XXXX  ). No one has been able to help remove this unauthorized inquiry from my credit report. This inquiry is harming my ability to obtain new credit. Furthermore, I requested and put a security freeze on my credit report, as well as a fraud alert. An FTC complaint was also made. 

Note : The creditor does not have any of my information on file.
Consumer complaint received 2023-04-12
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: Chime Financial Inc (SC)

I disputed 4 foreign transactions with Chime on XX/XX/XXXX. I was informed on XX/XX/XXXX they completed their investigation and determined that no error occurred and that I could submit a rebuttal. I received another notice on XX/XX/XXXX stating again they determined that no error had occurred. I demanded all documentation and information that they used to make a determination in this matter. On XX/XX/XXXX, I received from Chime a document link which purported to contain this information, however they erroneously sent me a password protected file. I now emailed Chimes member services over 10 times and have spoken with them on the telephone twice however there exists no interest to resolve this matter on their end and provide me with this documentation. Emails have been met with nonsensical form letter responses and telephone support has been no help at all. Appears this is a willful violation of Regulation E on the failure to provide within 10 days evidence of their investigation and also to properly credit my account regarding my dispute.
Consumer complaint received 2018-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

Had a collection account put on my credit report for a cable provider by a debt collection agency. I have filed a police report and contacted the credit reporting agency to have it removed due to it not being my own. I have lived in the same house for 17 years and do not even have the company available in are area. I have never opened an account. Collection agency will not remove this off my credit report as they want me to pay it and say it does belong to me. 
Will not provide any written documents or contracts that have my signature on them stating I signed up for said service. When I asked them they said they do not have anything as there are multiple ways to obtain service with out a signed contract.
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/year> there was an account opened ; according to my TransUnion credit report. I have contacted both TransUnion and the creditor XXXX XXXX XXXX XXXX  No one has been able to help remove this unauthorized inquiry from my credit report. This inquiry is harming my ability to obtain new credit. Furthermore, I requested and put a security freeze on my credit report, as well as a fraud alert. An XXXX complaint was also made. 

Note : The creditor does not have any of my information on file.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Child support has reported that the case is closed and balance paid.in 2018 and has not reported to any credit reporting agencies since 2018 .I have sent all 3 credit reporting agencies asking for it to be removed .they said no I sent a letter to child support asking do they report to the credit bureaus .child support sent me back a letter saying no they do not.I sent a copy of that letter and a letter asking for them to remove it and still cant get them to remove them
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/23, {$25000.00} was fraudently wired from my account, wells fargo will not submit a letter of indemnity to the receiving bank. wells fargo has reviewed three times saying that this was an approved transaction when it was not.
Consumer complaint received 2024-01-20
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: DISCOVER BANK (MI)

I disputed a transaction in the amount of {$90.00} for a transaction occuring on XX/XX/24 for services not rendered. On XX/XX/24, Discover stated " since the services were recieved XXXX XXXX XXXX this charge can not be disputed. '' Pursuant to the Fair Credit Billing Act, I requested " copies of documentary evidence of the obligor 's indebtedness. '' They refused to provide the documentation.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (TX)

Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to Citi Bank savings account ( XXXX ) on XX/XX/2023. 

Citi received the money on the same day ( XX/XX/2023 ) but automatically reversed the money back to Amex two days later ( XX/XX/2023 ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere. 

Reason for the money reversal : Citi : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse. 

Investigations : Citi : Citi started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.
Consumer complaint received 2024-01-10
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX XXXX XXXX {$4700.00},, XXXXXXXX XXXX XXXX XXXXXXXX {$7300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00},, XXXX XXXX XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX XXXXXXXX {$110000.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} 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 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 2024-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

Progressive was authorized to draft my account for the monthly insurance payments. Progressive notified me they did not draft the monthly insurance payment in XX/XX/year> in XX/XX/year>. Progressive were forcing me to make a double payment in XXXX of XXXX  in which I did not have the funds for. I asked for a payment program to pay the missed payment that Progressive didn't draft and the denied me. I then was forced to leave Progressive Insurance and find other car insurance to stay in compliance with driving laws. This matter has now gone to a collection agency, Credit Collection Service, that I didn't authorize and they are contacting me via phone in regards to this debt.
Consumer complaint received 2023-08-05
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. (KS)

I have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (CA)

Credit card was used fraudulently and left me to pay the balance I did not make these purchases on the Apple credit card some fraudulently used my card which resulted in closing my account I want my account back with a restored balance or the debt gone it messed with my credit
Consumer complaint received 2023-12-26
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I had a XXXX interest " Chase Plan '' initiated on XX/XX/23 for {$1600.00} due over 18 months in equal payments ( {$89.00} ) with 0 % interest. 

On XX/XX/23 Amazon charged my Chase credit card ending in XXXX for {$1500.00} without my permission ( they had access to my credit card as the number was saved in my Amazon account ). I brought this to Amazon 's attention and they refunded {$1500.00} on XX/XX/23. 

Between XX/XX/23 and XX/XX/23 Chase voided my XXXX interest " Chase Plan '' and as of XX/XX/23 charged me {$23.00} in interest and then charged me {$23.00} in interest on XX/XX/23, when I should have been charged 0 % interest. The balance was {$1300.00} on XX/XX/23 which is the amount they are charging me interest on in violation of our agreement. 

On XX/XX/23 I brought this error to Chase 's attention through their " secure message '' feature and they responded that they will not fix this mistake and instead will continue to charge me 21.24 % interest, which is a violation of our original 0 % interest " Chase Plan '' agreement. I would have used a different credit card to make this purchase if I knew they would violate the 0 % interest agreement after only 4 months. In all I will be paying {$230.00} in interest if I continue to pay the agreed upon {$89.00} per month, when I should be paying {$0.00} in interest.

I also filed a fraud charge against Amazon for illegally charging my card without permission through Chase and talked to a customer service representative for Chase on XX/XX/23 and was told they will not fix their error.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Below I will attach proof of identity and address validation along with supporting documentation so On XX/XX/year> I XXXX submitted a dispute via certified mail to XXXX and XXXX and Equifax Im a victim of identity theft / fraud all credit reporting companies fail to protect my consumer rights and did not remove fraudulent accounts and inquiries on my personal credit report which Cause emotional distress I and my attorney now have to file a civil lawsuit in court for violating Texas penal code 605b of the fair credit reporting act my attorney have filed against all above companies in federal court as of XX/XX/scrub>XXXX XXXX FAIL TO REMOVE ALL INQUIRIES WHICH ARE FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX did not remove the fraudulent account. 
XXXX XXXX XXXX {$710.00} Also fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX Equifax did not remove fraudulent accounts and inquiries that I did not authorize ACCOUNTS 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 2023-12-04
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-30
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2021, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX  Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021, XXXX  Date of Inquiry XX/XX/2021 & XXXX Date of Inquiry XX/XX/2021.