davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (IL)

Hello My name Is XXXX XXXX XXXX, I am getting a bit frustrated with how I am being handled, For months I have been hounded and harassed and threatened on multiple occasions by XXXX. I let them know as well as Equifax, XXXX and XXXX but nothing was done about this situation, I know nothing of this debt but yet it still remains on my consumer report and I am still being harassed, This matter is enabling me from feeding my children as well as to move forward with my endeavors in business. If this continues to go on I will get my Lawyer Involved. I will need a response from you all within 15 days, If I do not here back I will not only contact my lawyer, In essence I will contact the XXXX, Attorney General and the Ftc.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX  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 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

My account was closed by Chase and withdrawn by Chase fraud team and under review. I have wait for over 1 month. It's around {$9000.00}. They don't give me a date when can I receive my money and they took money away from me. I don't have any money to pay bills and rent. This is the only account I have. All my money is in there.
Consumer complaint received 2022-09-12
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. (CA)

This is my fourth 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}
Consumer complaint received 2024-04-15
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: Chime Financial Inc (UT)

On XX/XX/2024 at XXXX I attempted to pull money out of an XXXX XXXX terminal # XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX for the sum of {$300.00} There was an error which I have confirmed with XXXX and my money wasnt dispensed.XXXX ATM directed me to contact my financial institution which is CHIME ONLINE BANKING under XXXX XXXX. I contacted CHIME immediately and was told I had to wait for the transaction to process befor filing a dispute. In the meantime I contacted XXXX ( XXXX ) and spoke with a representative and verified the error. Transaction cleared on XX/XX/2024 and I called CHIME and filed the dispute around XXXX MT. I woke up on XX/XX/2024 to a denied dispute. I called CHIME and they told me that no errors were found on their end and that I was denied dispute. I REQUESTED the documents they used in the investigation like it said I could in the email on XX/XX/2024 and was told it would take 10 days to get. XXXX has told me that as soon as I get the paperwork showing why they denied my dispute they can escalate it on my end and refund my money. Today on XX/XX/2024 I still have not received documents. I called CHIME again and was told that documents were sent on XX/XX/2024 to email listed on account. I did not receive email and asked for them to resend it. I have gotten every email from them including advertisements yet this email I havent received. I believe they are lying to me and are not doing their job. They told me they could not resend the email that I would have to put in another request that will take up to another 10 days. XXXX as informed me that CHIME has been a huge issue regarding these types of claims and that this happens all the time I am late on rent and could possibly get an eviction notice if problem isnt resolved and when I explained that to CHIME they told me the same scripted lines. I asked to speak to a supervisor and they told me the same scripted lines as well. I have called multiple times with no help.. I feel they are avoiding this situation and keeping my money CHIME has caused me a financial XXXX
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Accordance with Fair Credit Reporting act XXXX  account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681. Section 604A section 2. It also States a consumer reporting agency can not furnish a account with out written consent with out my written instructions
Consumer complaint received 2023-06-21
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. (TX)

In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX and Transunion to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have been contacting Huntington Bank since XX/XX/2022. I've been sent a XXXX XXXX XXXX after 2 months of trying to obtain XXXX. I filled out the application and submitted it for review. They sent me a letter telling me they need a list of things. I put a packet together and mailed to them. I've been trying to get in touch with them for XXXX months regarding the packet I sent. I keep leaving messages with NO returned call. I have called approximately XXXX times to speak with someone and am asked several question ( always the same ones ) regarding my hardship. After all calls, I'm told a message will be given to XXXX who heads up the XXXX XXXX XXXX Department. I've left at least XXXX messages for XXXX without a call back. I am currently XXXX  months behind. My XXXX XXXX XXXX XXXX XXXX  and I are on the loan. The house is ouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've gone through counseling with XXXX XXXX XXXX who referred me to XXXX which I've applied for last week. In the meantime, I'm trying my hardest to work this out with Huntington but am getting nowhere.
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TN)

I received a credit alert in regards to my credit report that Amsher Collections is trying to collect a debt for XXXX. I contacted Asmher Collections, they advised that the account is not at there office put they are the one reporting the account to the credit bureaus. I advised Amsher that I was unaware of the debt and asked them how they got my person information and they referred me to someone at XXXX. I advised that I would contact my XXXX if they do n't remove the account, the representative hung the phone and would no longer speak with me.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (NJ)

We have been working with a HUD certified counselor to finally obtain a mortgage modification or loss mitigation workout. The counselor has submitted a third party authorization to be able to correspond with the servicer Specialized Loan Servicing ( SLS ) on our behalf in order to facilitate the loan modification. The counselor has submitted the signed authorization on 4 different occasions, each with a follow up email and phone call, and each time they have done so the servicer, SLS has not responded that they have accepted the third party authorization, thus preventing the HUD counselor from being able to move forward in helping us obtain a mortgage modification, and save our home from foreclosure.

The servicer, SLS has been using these delay and ignore tactics for over a year now, and using them with the HUD counselor for 4 months as well, and causing a delay in the modification process, hence driving up the cost of our arrears.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.
Consumer complaint received 2022-10-24
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. (CA)

The unverified items indicated below to 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 XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NV)

I submitted a claim in early XXXX regarding some Concert tickets. However, these concert tickets were not the ones that we had bought. I ended up calling to see if I could dispute it, and the agent on the phone informed me that I would be able to and that I would be getting credit while you guys were making the " investigation ''. I provided pictures, and even asked if you guys needed more information, and the employee said they didn't. A few weeks later passed and I was informed that you guys closed the claim on behalf of the merchant, however when I called the agent said that the dispute was under another name, which IS NOT what I filed it under. They didn't call to inform me of anything that was going on, and I informed them that I wasn't able to get in contact with either the merchant or the concert organizer. I'm currently seeking for them to approve of the claim, because in the end I didn't end up with anything that I paid for and there is no way for myself to be recompensated.
Consumer complaint received 2023-03-01
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. (TN)

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. 

Account name : US DEPARTMENT OF EDU account numbers 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 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 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Please see attached " XXXX XXXX XXXX ''. I had to hire an attorney after patiently trying to get XXXX to do the right thing. 
I have been trying to resolve this issue with XXXX for almost 11 months. I believe XXXX is intentionally trying to wear me down so I will drop the matter. I am more energized than ever because I believe XXXX is intentionally using the same practices with thousands of customers who do not have the financial resources to hire legal representation. This is a classic example of a large company taking advantage of ordinary hard working people. 
I would greatly appreciate the CFPB 's support in exposing XXXX 's violation of the XXXX XXXX XXXX and their deceptive business practices. They deserve to be punished for their general lack of care and violation of laws. Please help me expose their wrongdoing!
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

struggling to repay loans due to financial hardship ... in addition loans are more than 20yrs old ... original loan originated in XXXX ... originally with XXXX  but I was told that I had to get a new servicer which is NELNET XXXX they offer me a 1 year forbearance but continue to add interest charges... I believe I am entitled to relief under new government plan... 

XX/XX/XXXX {$15000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$84000.00} XX/XX/XXXX {$12000.00} all payments were made ontime until covid moratorium XXXX destroyed my credit when moratorium was lifted loan now owned by NELNET. please help me
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Business Bureau, Inc. (CA)

I incurred a medical debt in an amount less than XXXX in XXXX ( which I have tried to resolve for XXXX years with no success. ) According to the CFPB 's XXXX 2022 analysis, this should no longer be reporting to my credit record, yet it still remains.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-20
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. (PA)

US department of education has been turning me into collections and reporting me to the credit bureau as not making payments on my student loans. I have an automatic payment pulled from my account every month. In addition, I have had my wages and tax returns garnished. I have proof that I have submitted appropriate paperwork for deferment for XXXX and XXXX, and can show payments started in XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2023-01-10
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: AMERICAN EXPRESS COMPANY (FL)

{$120.00} XXXX XXXX, 2022 was the transaction date. Reference number : XXXX This was for advertisement on XXXX i never agreed to. I agreed to {$300.00} free advertisement for XXXX month ( i called at XXXX month mark to cancel ), and it over charged me for extra items i did not agree to in the first month. I tried to call XXXX they said they would refund me but never did, I reached out to them again and no one there seems to be able to help. I would like my {$120.00} refunded asap to my american express card ending in XXXX
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NC)

Debt is being reported as charged off for 3 Comennity accounts in my name that the credit has failed to provide verification of debt for and has now begun hanging up when I request this via the phone since my letters are being ignored.