davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX,2024 Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

I feel as if I was in involved in deceptive practices with chase Bank credit cards. I reached out to chase on XX/XX/XXXX trying to find resolution to my account. My account fell behind due to loss of income then covid 19 happened! The first representative offered me a liquidation program. This consisted of me paying {$530.00} to bring my account up to date. Which was stated by the first representative. Then I spoke to another representative and they said that the information I received was inaccurate. Then I was told that if i pay {$530.00} and a monthly min payment of {$170.00} that it will not bring my account up to date that its just reducing the cycles I was behind. Then I received a letter correspondence saying that all I have to pay is {$170.00} to be entered into the program. I called back to discuss the letter then I was transferred to a credit specialist who states if I infact pay the {$530.00} that it will definitely be reported up to date on my credit report. Lastly I was transferred back to a young lady who stated that my account would not be up to date until i pay {$540.00} and complete 3 payments of {$170.00} at that point my account would be up to date! At this point I don't know what to believe I feel their is deceptive practices happening and I would like this account to be removed from my credit report all together!!!
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year> I filed a dispute with Experian about report # XXXX for {$58000.00} By the Child Support Enforcement. At the time of mentioned dispute I informed the two agencies that according to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Furthermore i informed the agencies that Child Support was declared unconstitutional in a Minnesota Supreme Court ruling for violating the seperation of power riquired by the Minnesota Constitution in Article 3 Section 1, and Child Support Agencies actions are also unconstitutional due to lack of Probable Cause. I then instructed Experian to please removed the items from my credit report because I dont consent to the information that is being reported. As a result of this dispute Experian closed the dispute claiming the Child Support Enforcement Agency certified the information without addressing the issues in the complaint nor showing Probable Cause for the actions taken by the Child Support Enforcement Agency.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (GA)

Bread Pay email collection states that they will only stop contacting via phone employers of a debt if I mail the request. If I inform them over the phone to stop contacting me at my employer, I must send a letter confirming such choice within 10 days or the request is not valid. This is illegal. If I request that the collection agency stop contacting my employer, they must stop doing sofull stop. The law does not indicate how I inform the collection agency of my request, just that I inform them. Bread is using predatory and illegal tactics to collect. See footer of attached email for proof. This serves as my notice to not call my employer. Be warned that if Bread does contact my employer or tries to contact me at my employer, I intend to sue to the fullest extent of the lawand I will prevail.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (NC)

We had the loan set up on bill pay through our credit union. Several years ago we got a notification of repossession and we were shocked because we had set it up so we didnt have to worry with it. At the time they did a poor job explaining what had to be done other than pay {$1100.00} to avoid it being repoed. We paid it and followed up with our bank who showed the payments going to them. For a period of time it was sent by check and the last few years have been sent electronically. We recently sold the camper and paid all but {$1000.00} of the loan and come to find out theres {$3000.00} due to pay it off which includes $ XXXX in late fees. Weve tried to work with the bank to remove these as thats so excessive. The bank has had other class action litigation due to fees and they refuse to work with us and now that we have mentioned exposing this they wont talk to us. We have the funds to pay the loan off but {$1900.00} in late fees is extremely excessive. The payment was due XXXX XXXX, 2024 in the amount of {$220.00}. We paid {$5000.00} the posted XXXX/2024 and on XXXX/2024 they applied another {$25.00} late fee. Its all sketchy and we feel like weve been taken advantage of as weve made every effort to pay this loan and we feel like theyve applied these fees illegally.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

I have been affected by inaccurate information reported to creditors by both Innovis and XXXX XXXX in addition to working as criminals with bugs that they have in place in the XXXX Credit Bureaus, XXXX, XXXX, and XXXX. The inaccurate  reports are costing me denial of services along with XXXX  payments for the least XXXX  in XXXX XXXX quotes and XXXX. I am a victim of XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more by a XXXX XXXX I am asking for you to please intervene on my behalf. The home recently sold under XXXX is paid in full. This is not being reflected as closed paid off on none of the credit bureaus. In addition, XXXX XXXX is reporting that I had an accident and have XXXX XXXX  on my driver 's license which is not true and proved by the XXXX  company XXXX XXXX and XXXX  XXXX. Theses lies are being reported to potential XXXX XXXX which is causing high quotes or denials. These Companies also are calling and requesting information on my credit without approval. I don't know these companies and request that they have no access to my financial information due to sabotage. Also these people are working with XXXX  in the XXXX  XXXX Credit bureaus to help XXXX  my credit. Please Help NOW!
Consumer complaint received 2024-04-03
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. (WA)

I have never applied for a credit card with XXXX  XXXX XXXX, this is clear reason of identity theft, this account affects my credit worthiness. I request immediate blocking and removal of the account with the number XXXX Also the inquiry from XXXX XXXX  made on XX/XX/24 is fraudulent please remove
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wallet got stolen with all my personal information which included my bank card pin and soical security card my bank account got hit with fraud. When I notice I contacted Bank of America they put a claim in and said I have to wait 10 business days so I waited on XXXX/XXXX/2017 I received a phone call from a Bank of America XXXX who stated she was taking the funds from my account for the claims that was put in against me. I told her she can not do this she said yes they can I went to the bank center the same day I missed work that day dealing with this situation they told me I have to wait the full 10 business days on XXXX/XXXX/2017 Bank of America stated they do not see favor in crediting bank my funds the received over {$800.00} from me I 've lost my apartment and had to move back home with my mom my car insurance is now cancelled my car payment is passed due a month. I 've explained that I have no money. Thhe fraud transaction that happen on my account in XXXX/XXXX/2017 was not done by me I 've explained plenty of times that I do n't have my wallet I also have done XXXX police reports and they still do n't see it In my favor to credit my funds back I 'm highly disappointed with this sistuation and would like to received my funds back I have been patient with them this is not fair that I 'm receiving this treatment.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

This goes back a few years but it remains fresh on my mind and I just discovered that the CFPB may be of assistance. Brief summary : 1. On XX/XX/XXXX I purchased an Apple computer  at the Apple store for {$2000.00} 2. I signed up for 12 mo. interest free payment program 3. I had done this in the past and communicated to the store clerk to utilize my XXXX XXXX XXXX address to processas I had done in the past. 
4. What I usually do is wait for an email from the credit card company ( in this case Goldman Sachs for the AppleCard ), then go on their site to set up automatic payments 5. I also have an apple ID linked to another email XXXX XXXX. This email address is seldom used or checked by memaybe twice yearly. 
6. All statements and communication from Goldman Sachs AppleCard were going to the incorrect email account, XXXX instead of XXXX. 
7. It was not until I checked my XXXX  email address in XXXX of XXXX that I saw statements and communications from Goldman Sachs 8. Goldman Sachs reported by credit card severely delinquent 9. Note that my almost flawless credit score went from the XXXX to less than XXXX almost overnight. 
10. I have no record of phone calls or mail from Goldman Sachs Applecard that drew attention to this issue. 
11. I filed a claim to Goldman Sachs/Apple Card in XXXX  XX/XX/XXXX and another in XXXX. 

I was denied on both claims. I feel very strongly that this delinquency should be removed from my credit report. The issue started with the Apple Store not following my instructions on the email account to utilize. It was compounded by Goldman Sachs not making an attempt to get in contact with me by phone, txt or mail prior to reporting to credit agenciesas you can see, once I was became aware, I corrected the issue and paid the entire amount immediately. 

As mentioned above, up until this problem occurring, I had an extremely strong credit history ( all 3 scores XXXX ) and believe it is unfair to have to live with this for 7 years. 
I was on the phone today for over 1 hour and 15 minutes today trying to get the case # to reference to direct you where to go. This is very much of a maze and I had no luck. There is not even an email address for consumers to communicate in writing with Goldmanonly by phone. The best I can provide is the statements enclosed and to reference the following for your communications with Goldman : Email - XXXX My Phone - XXXX Last 4 of acct # - XXXX Please contact me with any questions. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-03
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. (MA)

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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (ID)

XX/XX/XXXX I received a call From US Bank letting me know my escrow payments went up {$60.00}. I said that's weird because my property taxes went down {$1000.00} last year and I received the second notice of the reduction today. After talking with Escrow Department they told me they couldn't reduce my payment until they pay my taxes in XXXX. I told them they should have received the notice, same as me. I was told I would get an adjustment some time after XXXX and any overpayments would be sent to me. XX/XX/XXXX I called to see where they were in the process. It was like starting from scratch. I told them I wanted to cancel my escrow account and pay my taxes & insurance myself. I was told it would cost me {$900.00} to cancel. I told them that was not in my mortgage contract. I went with escrow for convenience. This is less than convenient. I explained when I opted for escrow I was told I could cancel at any time, no charge! I told her I signed with another lender and US Bank bought the loan. I asked for adjustments until we figure that out. I called again XX/XX/XXXX. I called and asked to talk to a supervisor. I told the supervisor the issue with the {$900.00} and asked what it was for. She said it's for managing my account. I said no one is managing my account as my taxes were overpaid by {$570.00}. She asked me if anyone told me I could pay the {$900.00} out of my overpayments. I said that's my money. I don't want to pay you for anything. She agreed they overpaid my taxes. Now my balance is positive by {$1800.00}, if I get my tax overpayment back. One more escrow payment and I can pay my XXXX taxes a year early. I asked why nothing has been done to adjust my payments after 2 calls. She said she didn't know. Remember, I'm talking to a supervisor! She said her boss would call me at noon XX/XX/XXXX. No call came in. If you want to get ripped off have US Bank manage your money and then tell you they want {$900.00} for service they don't provide so you can manage it more accurately, without the hassle.
Consumer complaint received 2024-04-03
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. (MS)

Certificate of indebtness- a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

contacted transunion to unfreeze my credit several time between XXXX XXXX because the system was not working. I was told that my account would be unfrozen never was 7 months trying to get account unfreeze so i could apply for emergency loans. Attempted to call back XXXX I was able to get account unfrozen I told the representative to leave freez off for two weeks and put it back on after that which never happened. I was getting spam calls junk text messages credit was available to all to see pull. I contacted transunion right away and spoke to representative that was very rude by the way claimed to have frozen my account but later came to find out see never did contact agian spoke and male representative he stated it will be done and take effect right away, because I did not trust it I requested email confirmation. Representative stated he would send it after the call never got a confirmation email, but the issue appear to have been resolved
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NJ)

I consolidated my student loans in XXXX with XXXXXXXX XXXX  and then reconsolidated them again in XXXX with XXXXXXXX XXXXk for which i am still repaying at a rate of {$390.00} per month. 

Now I am getting bills stating I still owe an additional {$28000.00} by MOEHLA and they are asking for {$330.00} per month. I am unsure why i am now being told I owe the original amount when i consolidated everything. 

I am a registered nurse, and i have been working non-stop since graduating school in XX/XX/XXXX. I am currently enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXXXXXX University in NJ. I believe the bills i am receiving are a mistake AND i also am still in school so i should not be charged repayment at this time.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

XX/XX/year>, I received an email on XXXX from a stranger named XXXX XXXX XXXX she said she was well versed in crypto and I expressed an interested in learning about crypto.3 weeks later she helped me establish an account with Coinbase and I purchased crypto with that account. During that account setup and purchase session Coinbased expressed a concern that I was being scammed and that they were locking my account for 45 days and would investigate my transactions. Coinbase would not transfer the crypto to another account of mine and would not convert the value back to U.s. dollars. " The account was locked ''. approximately 50 days later XXXX went into my account and took the crypto valued at approximately {$4900.00}. I made several requests to transfer the currency to another account but could never get pass their password issue. I want my money back from this locked account!!!
Consumer complaint received 2024-04-19
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)

XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$7100.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$200.00}. 
XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$9000.00}. 
XXXX XXXX, stated account 30 days late this account paid in full XXXX of XXXX. balance is {$0.00}. 
XXXX, stated last reported XX/XX/XXXX, status is derogatory this account doesn't belong to me balance is {$12000.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX, status is open this account doesn't belong to me balance is XXXX.