davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed  : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-07
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. (CO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

This account was charged off by the original collector whom their company owes me a 1099 by law due to this alleged debt being over {$600.00} as law states which means how can this company collect on debt that has absolutely been paid for due to a charge off with taxes. 
Also, in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and LVNV FUNDING LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need this to be removed as it affects me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AZ)

Purchase was made on XX/XX/XXXX items were not delivered and package was stolen. I reached out to merchant and delivery service and when I tried to reach out to Afterpay, they did not have an option available to dispute the transaction.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please know the information on my credit report is not correct. I've listed addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (PA)

I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.
Consumer complaint received 2023-08-29
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX of this year, I went to a dealership in XXXX called XXXX XXXX. They verbally lied to me about the total amount that I would be paying. They told me that I would be paying {$8000.00} for a used XXXX  XXXX XXXX after the {$2500.00} down payment. I agreed to that, and sing the contract given. I went home and discovered that the terms on the loan are actually over {$15000.00}, with the potential of being more than {$23000.00} after 5 years due to interest. Credit Acceptance is the the creditor here and I would like to be removed from the policy of the loan, so it doesn't affect my credit. The dealership did not follow Regulation Z or the Truth in Lending Act, where they have to give the details in the loans truthfully.
Consumer complaint received 2023-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MD)

I have returned to complete my XXXX  after being away for XXXX  years. I am in the final requirements of my degree which are all XXXX credit hours and paying for the out of my own pocket. This semester my cost was close to {$7000.00}. I have contacted Sallie Mae a number of times and they can not give me a deferment because with XXXX credits I do not meet the requirement for XXXX time ( with credit hours ) to get a deferment. I am about to default with Sallie Mae. I am not sure what else I can do at this time. 

More details on me below : Long-time XXXX  XXXX XXXX  and part-time XXXX  student XXXX XXXX was denied a student loan deferral and stuck with huge ongoing bills due to bad policies of at Sallie Mae. Where are students supposed to turn when the system fails them, with bills that they cant avoid if they want an education come past due? Another example of the mounting student loan crisis in America. 

XXXX XXXX has been teaching music for over two decades in XXXX  when he decided to return to school to complete the final stages of his XXXX  program in XXXX. After taking a XXXX-year hiatus for personal and financial reasons, it came time to finally return and complete the last few, but rigorous, academic requirements prior to completing his dissertation. With mounting costs from his prior degrees, he applied for a loan deferral while he was taking the new classes so he could focus on his studies. 

With all his course work completed in XXXX, the final requirements at this point of his program are courses that are XXXX credits and are listed as pass/fail. While these requirements have no credits, they still come at the financial cost associated with classes. 

According to Sallie Mae, XXXX credit courses students are not considered " half-time attendance in school. XXXX XXXX, like many Americans, has multiple jobs outside of the school where he works, just to pay his current student loans. This lack of a deferment carries with it severe consequences and is key for him to complete his degree. 

XXXX XXXX was informed that Sallie Mae does not have a plan for students in this situation. This means it makes it almost impossible for students like him, during the final stages of their programs and already dealing with thousands of dollars of student loan debt, to get over the last hurdle to complete their education without defaulting on their loans. 

Attention must be brought to the situation for people like XXXX XXXX. With the loan forgiveness programs now frozen, and debt weighing down on students, how can he get out of the financial hole if Sallie Mae and other private lenders dont help? 

If youre interested in talking to XXXX XXXX, hes very interested in talking with you. You can reach him at XXXX.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here is the account that is erroneous in my file and need investigation XXXX  XXXX XXXX XXXX Balance : {$970.00}.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

Loan # XXXX We refinanced our mortgage. The original mortgage and the refinance were through the same company, Loan Depot. When we refinanced they asked if we would like a check for the escrow or for them to pay off everything. We asked them to pay off everything. We were notified in XXXX that the insurance was never paid. They said they assumed the old mortgage company had paid it off - however, there was no change in company, as we used Loan Depot for the original mortgage and the refinanced one - therefore they were supposed to have paid the insurance. This was all on a recorded line. They said they were going to look into it. It's been months now, we keep calling and they say they'll look into it and get back to us, which they never do. Our mortgage is now going up by {$700.00} a month starting on XX/XX/XXXX, because of an error they made. As the insurance was not paid, they put their own lender insurance on our mortgage which was {$7000.00} ( compared to our normal approximately {$2000.00} ). We now have a negative escrow which they told us we could pay in full or pay {$700.00} a month over a years time. XXXX sent multiple reminders to our mortgage company to pay the insurance. After they never paid it, our XXXX insurance was cancelled ( which we weren't notified about - until our Escrow went negative ) and we were forced onto Loan Depot insurance without them even telling us. Now they want us to pay those much higher costs because of their mistake. Again, they say they'll look into it but never do.
Consumer complaint received 2023-10-07
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-07
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

XXXX XXXX  I received my tax refund from the IRS. I transferred {$500.00} twice through XXXX XXXX, a third party, & deposited it to my Chime account ( due to transferring funds, amount changed ). The next day Chime sent an email saying they put my account on hold for unusual activities & stated I needed to show proof of funds, identification, proof of source of funds showing Im the intended recipient and my government issued ID. I have sent in at least 10 different documents supporting my claim that this unusual activity was not fraud. They still never sent out my refund check, never re-opened my account, NOTHING! They said they would send out a closure check within 3-5 business days, I have waited at least 3-4 months & never received it. I lost my job because CHIME held my funds after I provided them all the documents they requested. I couldnt XXXX to work or get my truck fixed because of that.
Consumer complaint received 2024-03-13
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. (GA)

I am writing to formally address my dissatisfaction with the multiple unsuccessful attempts I have made to dispute fraudulent items on my credit report and to request expedited removal of these inaccuracies. The continued presence of these fraudulent items is causing me significant distress and adversely impacting my financial well-being. 

Despite making many diligent attempts to dispute these fraudulent items, they persist on my credit report, tarnishing my creditworthiness and making it difficult for me to access financial services and opportunities. 

I initially brought these fraudulent items to your attention, providing all necessary documentation and evidence to support my claims of their inaccuracy. However, to my disappointment, my dispute was denied without a thorough investigation or clear explanation. 

Subsequently, I made additional attempts to dispute these fraudulent items reiterating the evidence of their fraudulent nature. Despite my persistence, these disputes were also met with denials and delays, prolonging the negative impact on my financial standing. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit report. These inaccuracies not only damage my credit score but also undermine my financial credibility and integrity. 

Furthermore, I request that your institution enhances its dispute resolution process to ensure that legitimate disputes are thoroughly investigated and resolved in a timely manner. It is crucial for consumers like myself to have confidence in the accuracy and reliability of credit reporting systems. 

Please provide me with regular updates on the status of my dispute and the progress towards the removal of these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00}.
Consumer complaint received 2024-10-09
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (WI)

XXXX XXXX XXXX XXXX XXXX - {$140.00} Order said delivered when I got home no package was there contact the shipper they pretty much was giving me the run around open a dispute with wisely months later claim denied after I sent in almost everything XXXX XXXX XXXX XXXX XXXX XXXX. at XXXX is when my package was delivered
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX. 2023, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Please state the date, the time, the name of Barclays ' representative that the interactions was allegedly made, and describe in full detail the specific " prior interactions with Barclay that allegedly evidenced cardmember behavior toward Barclays ' representatives which you contend did not comply with your expectations. '' In addition, please attach a copy of any documentation that you contend supports your response to the above specific questions. Please also attach any Bank policy that you contend that did not comply with your expectations
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it on my credit report!!!!
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (MI)

On Tuesday, XX/XX/year>, I received in the mail a credit card from Chime. The card was attached to a flyer with the Chime logo in the upper left and the title 'Welcome to the Chime family ' and form set setup direct deposit with the routing and account number of a XXXX Bank address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX. 

I looked up the Chime corporate website and confirmed the contact number on the card matched the number provided by the URL https : XXXX. 

I called the number, got through to the fraud department and explained that I had received a card for which I had not applied and wanted the account number closed immediately. 

I was informed I needed to provide my name and SS #, which I refused to do. I also refused to provide my email or phone number. 

I would like to know if there is any federal regulation or practice that requires me to provide my identifying information to Chime in order that they process a request to close a fraudulently produced card with my name on it. 

I have credit reporting locks engaged. 

Is there additional action I need to take?
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

For over a year, JP Morgan Chase Bank, NA has been holding 90 % + of my customer deposits claiming concerns that the check might be returned or not paid by the issuing bank. I am typically depositing checks from large financial institutions ( XXXX, Chase, XXXX XXXX, etc. ). I have never had an issue with any check ever being rejected or returned by the issuing bank. Most recently, on XX/XX/2023, I deposited a cashier 's check that was issued by XXXX, and Chase told me that they can not release the funds until the 7-day waiting period has passed. The purpose of a cashier 's check is to provide confidence to me ( and my bank ) that the funds are good. They are unwilling to consider and uncooperative about releasing these funds.