davidheineman/consumer-finance-complaints-large huggingface dataset:
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

mohela FSA XXXX not crediting pslf covid and other credit to loan wrong number of payments not refunding due money not properly crediting loans for borrower defense first borrower defense app XXXX XXXX schools numerous apps since then claim they dont have first XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX emails chats no resolution falsehoods and excuses
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

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 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX  Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-02-15
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX 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 2023-08-21
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-21
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. (TX)

n accordance with the Fair Credit Reporting act 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 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 2018-10-17
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)

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I have paid this vehicle off in XXXX of 2019. They never applied my payment even though the copy of XXXX XXXX check was sent to them via fax, email, and certified mail. I was told by multiple agents, the last being XXXX in the executive office that it was received. They have constantly put my phone number on a do not call list when I never asked for that. I am doing all the calling. When I leave a message I leave a phone number and the best time to call as I can not have my phone on at work. They totally disregard my request for answers, then say they didnt receive information and assign my car for repossession. They have even changed my address for to unknown address even though I have lived in the same place for 10 years.
Consumer complaint received 2023-03-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/XXXX. '' In response to my previous complaint PRA stated that : Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX. However, my dispute was not about when the account was opened, but about when it was closed and the fact that that closure was more than 7 years ago and the fact that PRA is illegally reporting account that is too old to be reported. Please delete the account or provide evidence that the last payment was made less than 7 years ago.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

The XXXX XXXX, after agreeing with me to renew my automobile policy and having paid said amount, one month later and unilaterally decided to increase the monthly amount to be paid ; I did not agree no pay said difference and decided to cancel said policy. Reason why they discriminatory decided to send me to Collector.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX }
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

All three credit bureaus are in violation of 15 US CODE 1681 N XXXX placed XXXX unauthorized credit inquiries on my credit report. 
XXXX placed XXXX unauthorized credit inquires on my credit report. 
Equifax placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.
Consumer complaint received 2020-01-14
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: CITIBANK, N.A. (FL)

I purchased an airplane ticket from XXXX XXXX for {$250.00} on XX/XX/XXXX with my citi costco  anywhere card. This flight qualifies for the Trip cancellation benefit from the citi costco  anywhere card. 

The citi costco anywhere card removed Trip Cancellation benefits on XX/XX/XXXX for purchases on that date or the future. 

When I learned of XXXX XXXX going out of business I called XXXX XXXX at XXXX on XX/XX/XXXX and XX/XX/XXXX and it didn't connect. I called at a different time and left a message but I never received a call back. 

Since XXXX XXXX was going out of business and I wasn't going to be able to travel with them I disputed the charge with citi bank on the phone on XX/XX/XXXX for Goods / services never received. I provided all the necessary details. 

Citi provided a conditional refund. 

Unknown to me, citi said they sent me message on their website on XX/XX/XXXX saying they needed more info. I didnt respond to this because I didnt know they sent a message on their website. 

On XX/XX/XXXX citi sent a letter saying they closed the dispute in XXXX XXXX favor even thou they were going out of business. They took back the conditional refund. 

Citi bank never called or sent me a piece of certified mail asking for more information about a company that was going out of business. On XX/XX/XXXX I logged and saw the notices from the XX/XX/XXXX and XX/XX/XXXX. I chat with an agent and they said to email citi at billingdisputes@citi.com. I sent them an email stating I never received their website notice. On XX/XX/XXXX I called since I hadnt heard an answer, XXXX on the phone said she has never heard of XXXX XXXX and couldnt help since it was past the time alotted. 

I had to purchase a new ticket ( {$560.00} from XXXX on XX/XX/XXXX ) for more money than I originally purchased from XXXX XXXX to repair my travel plans. 

Since I did not receive their travel services due to them no longer operating, I expect the cost of the new flight to be covered {$560.00} per the trip cancellation benefit that was valid on XX/XX/XXXX.
Consumer complaint received 2023-08-21
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. (PA)

In accordance with the fair credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-05-16
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (MI)

I recieved a letter claiming they were trying to identify if I was a certain XXXX XXXX for a debt. I sent the letter back with my reply of no, not who you are looking for and a stop contacting instructions. They then started a phone calling campaign, I again instructed them not to call me period, they keep claiming until they can verify if I'm the right person they will continue to call. Keep calling trying to get me to give them my personnel information.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CO)

An account was opened under my name ( XXXX XXXX ) and my email ( XXXX ) at the neo-bank Chime Bank. I had never heard of the bank before and had not signed up for anything with them. I received a new member bank card in the mail from them with instructions to activate it. I was at once confused and wary. 

Shortly after I was notified that the phone number and account information for the account had been changed. I have not at any time had access to the account, but I was still getting updates to things happening with the account, including deposits and messages. 

I emailed their support email to get the account closed and recieved multiple messages back asking me to confirm the email associated with the account. I knew what email was associated with the account because this was the email all of the chime bank updates were coming too ( XXXX ). Each time I emailed them the information I was met with a new email -with a new name in the email signature- asking for the same information again.

I ended up calling their help line where the representative ( who did not give me their name ) told me the only way to close an account will be to give them the last 5 digits of my social security number and full name. I told them I never gave them that information so it wouldn't match their records anyway and that this seemed scammy enough that I was hesitant to provide such information. Even my legitimate bank has never asked for more than the last 4 digits before. They said they found my account but could not close it until I confirmed the social security number associated with the account. I asked them if they could remove the email from the account since it was not my account and I had not opened it. They told me again they could only do that if I gave them my social security number.
Consumer complaint received 2023-02-01
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make 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 ) ( l ) 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 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

I deposited a check in my Chase account for {$4200.00}. Yesterday. Chase Bank flaged it. 
It is from Illinois Housing. They wanted to call the issuer of the check. I gave them the phone XXXX. They said it was not an authorized phone number and they refused to call it. They locked my bank account and refused to give me any funds. I told them it was important that I pay my rent and they did not care. I paid my XXXX XXXX bill and it bounced because they did not accept the check. Now XXXX XXXX is also locked. I can not purchase anything right now because both of my financial institutions locked my accounts.