davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I was reached out to via email regarding a job offer from a company by the name of XXXX XXXX XXXX. They were inquiring about me applying for a customer service representative position for the company. I followed the instructions given via email, and set up a XXXX XXXX  account, and was told to reach out to a gentleman by the name of XXXX XXXX. We were in communication about the job from XX/XX/2023 through XX/XX/2023. On Monday of XX/XX/XXXX I was sent a check issued by XXXX XXXX  for the amount of {$1200.00} which was meant to be used for all of the supplies that I would need for the job. I deposited the check online through my mobile banking app. The check said that it wasnt going to be processed until XX/XX/XXXX. XXXX had told me that the funds were to sent to the vendor so that, the vendor could then mail me the supplies. Since I communicated to him that the check was still processing, he had asked me if I had {$1200.00} so that I could send the money to the vendor. I did so because I was under the assumption that the check would be available in my account no later than XX/XX/XXXX, so my money would be reimbursed by the check that I had deposited. He gives me instructions to send money to a recipient by the name XXXX XXXX using the email provided ( XXXX ). And once I sent the money. Thats when communication started to shorten. I am afraid that my identity as well as my privacy may be threatened since he had also sent me a XXXX form to fill out. My address, social security as well as my email address were given out. I dont know what to do and I need help assuring me and my family are safe and that this doesnt happen to anyone else.
Consumer complaint received 2023-07-05
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: Esusu, Inc. (NV)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Re : XXXX Subjet : Removal of disputed accounts To whom it may concern, Since my last letter from XX/XX/2024, I sent in all the proper documentation Transunion has asked for to remove the disputed accounts from my credit file. I am not liable for this debt with : XXXX {$5000.00}. 
I requested all copies of documents that Transunion has used to verify the disputed accounts as accurate. I never received said documents. By law the CRA are allowed 30 days to complete their investigation process and by law if the consumer has given the CRA more documentation to support their claim for the disputed accounts during the 30 day investigation, the CRA is allowed 30 more days which is a total of 60 days to finalize their investigation. I did not give Transunion Credit Bureau any additional information during the investigation process. It has been 37 days and no response back from Transunion. It has been way over the time limit. By State and Federal law. Transunion shall promptly remove the disputed accounts from consumer 's credit file. This has not happened. If the disputed accounts is not on my other 2 credit reports, the disputed accounts should not continue to be on my Transunion Credit file. All three credit reports are supposed to be the same, maximum possible accuracy across the board. Accurate information and Transunion is in violation under Section 609, 610, and 611 of the FCRA laws. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-29
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. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. 
Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress. 
15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Consumer complaint received 2022-03-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on this
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (OH)

i placed a order on XXXX/XXXX/XXXX i did not receive my items but shortly after placing order i was in the hospital. when i came home i noticed i had a bill from victoria secret i called and educated them i did n't recieve my order the rep on the phone told me she would place the order into dispute and then transfer me to a rep to replace my order.never told me that i needed to make payment just said that it would take 60days for dispute to be resolved. mean while i received my replacement order a few days later and i returned all items XXXX/XXXX/XXXX a few days after receiveing. then i was put back into the hospital and my husband made a payment due to a bill i received. i have called the company serveral time to figure out why i have a bill and was charged a late fee. one person said i was charged shipping so then they xfer me to shipping department. the shipping department says i was not charged shipping. from my math i was charged was charged XXXX interest XXXX for account XXXXXXXX late fee and XXXX that no one can tell me where that came from. for a total of XXXX in fees and XXXX that no one understands.t i should not have been charged because 1st order was not received and everything from my replacement order was returned.and never told i needed to make a payment due to the dispute was filed and shouldnt have been charged account XXXX because i dont have any items. my husband did make a payment that he should n't had but he was unaware of the issue. so i will be having my bank reverse that payment due to i should not have had a bill
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had received an offer in the form of checks which I didn't use before the expiration date. However on the offer it said I could use them but that the offer rate may not apply. 

On XX/XX/XXXX or XXXX I specifically called to question whether I could use the check and the agent said I could use XXXX to pay off an amount of {$2300.00} on a purchase. This merchant would not take a credit card only a check. I was told I could use it but I wouldn't get the promotional rate so I used it. This check was sent and it was paid on XXXX XXXX XXXX 

Then on Friday XX/XX/XXXX I received a letter from Citizens Bank that the check was returned as a stale dated check. 

I called Citizens on Sunday XX/XX/XXXX to complain and all they did was apologize that the agent was just a trainee! I am furious and embarrassed that this happened.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$530.00} XXXX XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX - XXXX {$350.00}
Consumer complaint received 2022-11-29
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. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for .....

Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Consumer complaint received 2016-08-25
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC (NH)

Student loan scam. Signed up after they promised to eliminate my interest, get out of default, and get a fixed payment. Realized after that I was scammed, give credit card info for preliminary payments. Was supposed to receive paperwork in the mail, never got it. They call themselves Student Loan Relief Program, called Manhattan Beach Venture LLC when they tried to withdraw money from my account. Luckily, it did n't work and I 'm not sure why ... .not sure what to do next.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV INC. (CA)

Hello, Middle Class Tax Refund Debit Issue. We received a {$1000.00} credit. On XX/XX/2022 at XXXX PM we withdrew {$580.00}. On the following day at the same ATM I attempted to take out the remaining available funds of {$460.00} ( ATM FEEs {$3.00} per transaction ). The ATM said the funds we note available due to the fact no additional transactions within the same day. I figure I would try again the next day which I did. I was refused again due to we now only have {$1.00} left in our account. Somehow of the other this ATM deducted the {$460.00} along with an ATM fee of {$300.00} and did NOT provide me the funds. 

On XX/XX/XXXX I called the number on the back of the card XXXX and attempted to file a complaint to get the missing funds added back on. When I asked for her name to I could follow up and hung up on me. I called back the next day on the XXXX and a gal named XXXX answered the phone. I explained the issue to her and asked if I could please speak with a supervisor. She put me on hold and said one would be with me a.s.a.p. I was on hold for about 30 minutes and then the line went dead. On the XXXX I called back again and received the following message. " Due to high volume we are not able to assist you at this time ''. 

Can you please look into this for me. I could REALLY used this money. 

Thanks, XXXX XXXX
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

I have had a student loan since XX/XX/XXXX. I have had all forebarnaces hat are possible and in XX/XX/XXXX went on a income based repayment plan that was supposed to help me. I called to ask about my student loan payments and come to find out my income based plan that was supposed to help me was more than my regular payment and for more months than it would originally be for. The payment they have me on is {$190.00} and is supposed to be for 39 more months then go to {$140.00} for 69 months for a total of 108 more months. The original level payment plan is {$150.00} and would pay off in 98 more months. That means will their helpful income based plan I would pay {$17000.00} but if i am on the regular level payment plan I would only pay {$14000.00} from today Navient has taken advantage of me and I would like to report it and join any class action lawsuit that is available.
Consumer complaint received 2023-05-27
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: BMW Financial Services NA, LLC (FL)

XXXX deleted the error with XXXX but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX. 

Also with bmw financial service. The motorcycle accident was paid out fully by XXXX Don't knw why this on my consumer report and account been closed from XXXX.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (MI)

As above, trans union, keeps showing a {$3600.00} balance on my XXXX XXXX XXXX XXXX which is CLOSED. I paid it off XX/XX/XXXX. Despite filing XXXX repeated disputes advising them it is paid and has a XXXX balance, they corrected it to XXXX in XX/XX/XXXX, then bounced it back to show {$3600.00} in early XXXX. They corrected it again XX/XX/XXXX, then today shows {$3600.00} and account per Trans Union is open, even though I closed it XXXX weeks ago in desperation to fix their errors. XXXX shows a XXXX balance and closed account, which is correct. Can you please help me? Each party is blaming the other. It was paid off in XXXX in XXXX payment of {$3600.00}.
Consumer complaint received 2023-02-03
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. (NJ)

Update personal Information Dear TransUnion, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although one inquires was deleted from my credit report from my last dispute on XXXX XXXX, 2023 it still shows invalid inquiries and a XXXX XXXX account ( XXXX ) that should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of.

Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX account : ( XXXX ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. TransUnion followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX Account : ( XXXX ). For the prior inquiries that was removed on accounts : XXXX XXXXXXXX : ( Report Number : XXXX
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law (NY)

The office of Richard Sokoloff in XXXX NY has been sending me threatening letters for months. As per their instruction, I have called over 25 times and left 16 voicemails to dispute their false claim ; no one has EVER returned my call. I have already settled this debt with my insurance and the hospital as there was an error on their end to begin with. Yet Richard Sokoloff and his office have yet to cease sending me threatening letters. I have a spotless credit report and rating. Such harassment should not ever be tolerated. He should be disbarred.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (TN)

Bronstein & Weiss keeps calling me saying I am on a complaint list of several federal charges and they want to talk to me to stop papers from being filed against me. They have had a " server '' call and leave messages for me to be available between XXXX & XXXX so they can serve me papers. I have asked repeatedly for them to stop calling me at work. They continue. I have asked for information and they demand I give them my personal information for them to verify. I was robbed and my personal information was stolen so I have no idea if the debt they say they have is legitimate. Regardless, they have been asked to stop calling me at work. They have not sent any kind of paperwork to show what they are trying to collect for.