davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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. (TX)

I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, at approximately XXXX XXXX, I received transaction message from XXXX  indicating a suspicious transaction. Upon reviewing my accounts, I realized that my wallet had been stolen, leading me to immediately secure all affected credit cards by locking them and contacting the respective companies to report the theft. 

Specifically, with Chase, I identified a fraudulent charge at a nearby XXXX XXXX totaling {$820.00}. I promptly reported this to Chase 's fraud department that same afternoon, and they assured me of a refund after issuing a new card. However, to my dismay, I discovered last week that the transaction had reappeared on my statement. Upon contacting Chase again, they issued another new card but, contrary to their initial assurance, refused to process the refund for the fraudulent charge. 

As a result, I am currently faced with the burden of a fraudulent transaction on my statement, which I am unjustly expected to pay. This situation has caused me considerable stress and financial uncertainty. 

I kindly request the intervention of the Consumer Financial Protection Bureau to help resolve this matter. I believe that I have taken all the necessary steps to report and mitigate the impact of the theft, yet the lack of resolution from Chase leaves me in a precarious position. Your assistance in ensuring that this fraudulent transaction is rightfully refunded would be greatly appreciated. 

Thank you for your attention to this matter. I am hopeful for a prompt and favorable resolution.
Consumer complaint received 2024-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX XXXX in XXXX  and have not been able to get a job in the field I got my degree in,. I was promised job assistant and never got it. When I applied for jobs I was told I needed prior experience which I was unable to because I was working fulltime and going to school fulltime. I was forced to take all these private loans with Salle Mae which not is Navient. For a {$50000.00} They want to charge me over {$600.00} a month and I have been doing a cost of living rate reduction just to be able to make a payment and this last month they denied me. I had to get forceful and talk to a manager and let them know its either they lower the payment or they will only get what I can afford. I feel XXXX XXXX was a scam, I'm not able to work in the field and now a lot of companies don't even accept the degree I got from them. I demand these loan be forgiven.
Consumer complaint received 2023-08-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc. (CA)

In  XXXX  I bought my home and I obtained a  1st and 2nd  mortgage. In   XXXX   I filed chapter  XXXX  and all my debts wer e discharged except for the 1st mortgage. The 2nd  mortgage that  Real Time Resolutions   XXXX   XXXX  tried to collect in my bankruptcy was  discharged.  The only loan that shows on the property as of today is my  1st mortg agee   XXXX   XXXX   XXXX  . There is no record of any other parties on this property  at County  records in   XXXX   XXXX  , Ca.   My son and I are in escrow to REFI th e 1st lo an and I was notified that there is a LIEN on my property by REAL TIME RESOLUTIONS INC.I called Real Time resolutions and they said I owe them {$180000.00} which was the amount due back in  XXXX . They told me also they are charging 10 % interest so as of today I owe them {$380000.00} and growing each day. They told me  Yes t he {$180000.00} was  discharged in my ch apter  XXXX  but they have the write to keep a lien on my property until paid. The company that filed the lien electronically is Mortgage  Electronic Registration Systems. I have attached information showing the Scam.  M.E.R.S. was formed by the banks to file electronic liens on thousands of bad loans and the homeowner has no idea until they sell or refi then the nightmare begins ... Please help me so we can expose this scam and put these guys out of business. Alot of people are settling with these guys please help us all ... ...
Consumer complaint received 2017-05-02
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: JPMORGAN CHASE & CO. (NY)

I had a dispute on my card for {$16000.00}. The merchant credited {$14000.00}. On  XXXX   XXXX ,   XXXX  , I received a letter fro Chase which said : " We 've issued a temporary credit to your account for the {$2200.00} in dispute. If interest was charged on this transaction, your account has been credited for it as well. '' See attached. I have just received my statement - the first since this letter. There is NO credit for the {$2200.00} or the interest. I have now spent  XXXX  minutes in  XXXX  separate calls to get this fixed but can not. In the first  XXXX  calls the agents spent  XXXX  minutes reading the " notes '' and then my call dropped. I can not resolve this issue
Consumer complaint received 2023-08-11
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. (MS)

XXXX XXXX has violated my rights. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated openXXXX
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated openXXXX
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I sent notarized Affidavit of Truth via certified mail to resurgent receivables llc  on the XXXX day of XXXX I will attach what was sent below per the legal contract agreement stated if Resurgent receivables could not absolutely prove I owe the debt they must stop reporting they had 21 days which would of been the XXXX day of XXXX to respond I never received a response and yet its still reporting also per the contract agreement it states that if continuing reporting after the 21 days there will be a XXXX $ charge everyday it continues to report the total of charges are now XXXX I recently sent a invoice via certified mail that has exceed the response time frame yet again they are in violation of the Affidavit of truth legal contract agreement that was sent and received if this is not resolved in a timely I will seek legal action for my damages
Consumer complaint received 2022-10-23
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. (NV)

XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX XXXX  months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of
Consumer complaint received 2022-12-10
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. (NC)

Equifax has ignored again this pertains to a Federal law violation of unlawful HIPPA non disclosure and after several disputes still completely ignore it. 

I am going to sue each of you for your violations. 


Watch.
Consumer complaint received 2023-08-11
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. (DE)

I have made several attempts to get Transunion to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made Transunion finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused me.
Consumer complaint received 2023-05-30
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2022-12-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL (NC)

I am a long time XXXX  customer, and opened a promotional rate XXXX XXXX XXXX ( ending in XXXX ) with them in XXXX. I funded the account immediately by transferring funds from my savings account. Shortly after I opened it, and still within the funding period that they indicated for the account, they increased the rate on this term XXXX. I requested that they apply the new higher rate to my account since it changed within the funding period. This only seems fair and right, and this was once their policy. I got the most frustrating runaround on this request, and eventually was denied or invited to close it with a penalty. I appealed this decision and asked for the matter to be escalated. Although I received numerous emails that said the matter was referred to the appropriate department and I would hear from them, I was never called or written back. All of my inquiries are documented within their secured email service. I continued to follow-up on this and most recently I was able to speak to a Supervisor XXXX XXXXXXXX XXXX XXXX XXXX who told me that my request for a rate change or penalty free withdrawal would not be honored. He suggested that I withdraw WITH PENALTY & reinvest a current rate, and calculated that I would actually be a little bit ahead in total earnings if I did so. Really? Nice interest expense back in XXXX  's pocket! An underlying problem is that XXXX  was constantly escalating rates while heavily promoting their " XXXX XXXX 's '', deceptively ( with advertising language like " hurry this rate won't last! '' ) locking depositors into rates below what XXXX  knew they would be increasing in XXXX weeks. I think this was an abuse of the consumer and a very bad faith practice by XXXX. But to my claim, after all of the personal time & frustration I experienced from this and all of XXXX  's broken promises and lack of care addressing my issue, I asked XXXX XXXX if he would discuss my matter with a higher authority ; I wanted to close that XXXX  with no penalty and agreed to simply deposit it back into my Savings account. He said he didn't think that would happen, but said he understood and agreed to make the case for me and call me back the next week. It has been XXXX weeks now and I have not heard from him. I called and left a message that has not been returned. Once again, XXXX  breaking promises to customers and providing awful service.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (SC)

I Closed this account 3 months ago and they continue to charge me an annual fee and a monthly maintenance fee. I have contacted them several times and they will not waive them, even though i still pay my bill every month.Fortiva credit card XXXX
Consumer complaint received 2022-10-22
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. (GA)

Re : XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received, and they need more information to research the credit bureau reporting of the account in question. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me. 

On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months. 

There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal. 

Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds. 

XXXX XXXX Discover Card number ending XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have filed numerous disputes with the XXXX credit bureaus ( XXXX, XXXX, and Experian ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.