davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Currently I am being charged late payments during COVID forbearance period, It has been documented that XXXX XXXX  committed fraud by misleading students such as myself. I have disputed the account on my credit report which carries a balance of {$15000.00} and 28 late payments as of XXXX XXXX. 
After a review of voluminous amounts of evidence, the Department found that from XXXX to XXXX XXXX repeatedly misled prospective students across the country with claims that 90 percent of XXXX graduates who actively seek employment obtained jobs in their field of study within six months of graduation. This claim was the foundation of a national advertising campaign called, XXXX XXXX XXXX XXXX  to brand XXXX  as a XXXX XXXX XXXX where it used the 90  percent placement statistic as the way to convince prospective students to enroll. 

In fact, the institutions actual job placement rate was around 58 percent. The Department found that more than half of the jobs included in the claimed 90 percent placement rate were held by students who obtained them well before graduating from XXXX and often before they even enrolled. These jobs were not attributable to a XXXX education and their inclusion was contrary to the plain language of the 90 percent claim. Moreover, XXXX excluded from its calculation large numbers of graduates who were in fact actively looking for work simply because they did not conduct a search in the manner that the XXXX XXXX XXXX department preferred. 

The Department also found that senior XXXX officials knew of the problems with the 90 percent statistic for years, in part due to concerns about its accuracy raised by alumni. 

In XXXX, the FTC reached a {$100.00} XXXX settlement with XXXX around similar allegations. The Department also reached a settlement with XXXX related to older job placement rate statistics in XXXX. The attorneys general of New York and Massachusetts also reached agreements with XXXX in XXXX to resolve allegations of misleading job placement rates.
Consumer complaint received 2022-10-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

Currently I am being charged late payments during COVID forbearance period, It has been documented that XXXX XXXX  committed fraud by misleading students such as myself. I have disputed the account on my credit report which carries a balance of {$15000.00} and 28 late payments as of XXXX XXXX. 
After a review of voluminous amounts of evidence, the Department found that from XXXX to XXXX XXXX repeatedly misled prospective students across the country with claims that 90 percent of XXXX graduates who actively seek employment obtained jobs in their field of study within six months of graduation. This claim was the foundation of a national advertising campaign called, XXXX XXXX XXXX XXXX to brand XXXX  as a XXXX XXXX XXXX  where it used the 90 percent placement statistic as the way to convince prospective students to enroll. 

In fact, the institutions actual job placement rate was around 58 percent. The Department found that more than half of the jobs included in the claimed 90 percent placement rate were held by students who obtained them well before graduating from XXXX and often before they even enrolled. These jobs were not attributable to a XXXX education and their inclusion was contrary to the plain language of the 90 percent claim. Moreover, XXXX excluded from its calculation large numbers of graduates who were in fact actively looking for work simply because they did not conduct a search in the manner that the XXXX XXXX XXXX department preferred. 

The Department also found that senior XXXX officials knew of the problems with the 90 percent statistic for years, in part due to concerns about its accuracy raised by alumni. 

In XXXX, the FTC reached a {$100.00} XXXX settlement with XXXX around similar allegations. The Department also reached a settlement with XXXX related to older job placement rate statistics in XXXX. The attorneys general of New York and Massachusetts also reached agreements with XXXX in XXXX to resolve allegations of misleading job placement rates.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

Citi Bank Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called Citi customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have a roofing company and deposited a check on XX/XX/XXXX 
The bank put a hold on it. 
They told me to cal back today and they would eliminate the hold. 
So I did. 
They asked me to give them the homeowners phone number to verify the check which I gave them.

THEIR VERIFICATION SYSTEM couldnt find that number so I gave them the homeowners company and home number. 
They still couldnt find him. 
I need to pay my contractors and chase is no help at all.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATIO

N regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX XXXX XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have been a card holder for going on 2years.Have not missed any due dates pay on or before due date.Have tried for a credit increase 4diffrent times.Was denied every time.Each time the response is negative with a different reason.When I ask were or how they get there information i am told there's no one who can tell me why or how they get the results.Also they tell me there's no number to speak to anyone about their response.I have spoke to 8 different people.They all Tell me the same thing.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (GA)

I have an online banking account with XXXX who uses Axos Bank. I have 5 transactions for a credit reporting site that I caneled a long time ago. I have tried to get in touch with customer service with them to talk about these transactions and tried to see about disputing them but have not had any luck. When I call they tell me that my account is under review and they cant tell me anything about my account. I have tried to link my account number and routing number to different 3rd party accounts to get my remaining balance off since I dont have my debit card and they wont let me change my address to recive another XXXX. So now that my account is under review I just have {$320.00} in my account that I cant use. I dont know any other way to get my funds and I have bills due and cant pay them if this bank wont let me get my money. 

Axos Bank Routing Number ; XXXX Accounting Number ; XXXX Transactions XX/XX/2021 - XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX- XXXX XX/XX/2021 - XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish a account without my written instructions.

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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-17
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor : XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-18
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. (NE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the inquiry ( A ). It is not permissible to fail to validate the reporting inquiry as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent Equifax, XXXX and also XXXX letters about a miss payment that they reported 90 days late. I asked them to verify that this was indeed correct, However, they sent me an updated report stating that it was correct. I know that it's not correct because I was in a deferment at the time. Due to me being in school. As I looked over my report that they are claiming I was late, by law they have to report every month that I was late., However, they reported that I was late in XXXX XXXX, Let me tell you all how dirty Experian just is, Because they could not show any record of me being late on a payment. They took it upon their selves to go in and switch every student loan date that had reported 90 days late and only marked in XX/XX/2019, with all the other slots being checked ok. So Now they read a late payment in XXXX, XXXX, XXXX and XXXX. This is so much against the law and I am thinking about contacting a lawyer. Luck for me I print out all credit reports. Even have the ones from last year and two years ago from when they claim I was 90 days late. So please explain to me why did you all go and change them and never notified me of this change.
Consumer complaint received 2022-10-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (CA)

Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting ....

Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my Chase debit card was fraudulently used to make a purchase from a company called XXXX XXXX I did not order or authorize this purchase. I called Chase Bank that same evening to report it. They canceled my debit card to send me a new one. Then they gave me a temporary credit while they review the claim the following day another charge from the same company for the same amount. I did not have sufficient funds in my account for this purchase because it was not me making the purchase, but Chase Bank authorized both transactions and paid it even though I had no money in there my checking account was overdrawn twice Chase bank gave me a temporary credit for that as well. on XX/XX/XXXX XXXX  XXXX  put a credit in my account of {$59.00} on XX/XX/XXXX chase bank reversed that credit and took it out of my account. They also reversed it and took it out on XXXX XXXX which left me with {$11.00} for food to last for a week I have been calling and working with Chase Bank for over 60 days to get this resolved. They will not give me my {$59.00} back. They said their review client of the claim showed that I had provided information to authorize this purchases I did not. I have had a meeting on the phone regarding this. I have called the claims department several times. They are not going to give me my money back was their final decision. Ive got mixed messages some that were not true from Chase employees. Chase bank said I would need to contact XXXX XXXX and deal with it myself they did give me a phone number which I called several times the number did not the call did not go through as the number was not a good number. This company does not exist. It was a scam. I need help getting my {$59.00} back. I know its not a lot of money but I live on XXXX XXXX XXXX XXXX and its important part of my budget. Thank you very much from XXXX XXXX XXXX XXXX