davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (IA)

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

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 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 consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CO)

My student loan was forgiven by the Biden Administration in XX/XX/XXXX ( see attached ). This was a loan against which I paid $ XXXX in XX/XX/XXXX. The attached letter clearly states that payments made after XX/XX/XXXX would be refunded. It is now XX/XX/XXXX and I have yet to receive the $ XXXX that is owed to me. 
EdFinancial claimed in a phone conversation that they sent notification to the Department of Education that a check should be mailed to me for $ XXXX on XX/XX/XXXX. The Department of Education ( Student Aid Ombudsman ) says as of today ( XX/XX/XXXX ) they have received no notification that they should send me a check. I've called dozens of times to both entities and each points the figure at the other. The DOE says it has no record of the check request ; EdFinancial says it has a record of the request being sent out. Each entity says it can help no further. I've asked for escalation several times to " supervisors '', who are as useless as you might imagine. Please see the attached documents.
Consumer complaint received 2023-07-26
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I currently bank with Chime, and on Wednesday XX/XX/XXXX at XXXX XXXX  in XXXX XXXX, United States I was charged for a XXXX XXXX  cell phone costing XXXX XXXX 
I currently live in XXXX, and I have never been to XXXX. I do not have any account with XXXX. I have contacted chime and my claim dispute # XXXX. I have contacted XXXX and they can not provide me with any information unless I go to the store in XXXX, and provide them with my card that was stolen. Both parties are refusing to provide any responsibility for this fraudulent charge.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have illegal unauthorized hard inquiries on my report that I do not recognize! 
I want them removed immediately! 
These hard inquiries are on my Equifax credit report and are in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are on my Trans Union credit report and are illegal . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

XXXX different times my registered securities presentments were sent to bank. Also letters sent explaining the instruments were proven by the XXXX XXXX XXXX postmaster as a confirmed signed delivery to the Banks address, I have also requested the respect of my privacy of any of my information and notice to opt out of them sharing any of my personal information they may have collected and may have of my social security number. Copy of any ORIGINAL SIGNED application or promissory note they have of mine containing all terms that I may have willingly or unwillingly agreed to with such signature, I was sent a statement, terms with NO COPY OF MY ORIGINAL SIGNED APPLICATION OR PROMISSORY NOTE. Nor has the bank returned any of the delivered registered securities, nor transferred my coupon as instructed on the delivered presentment, nor settled the balance being claimed on coupon, nor have they acknowledged receipt of my presentment, The bank is demonstrating theft as the XXXX has filed the Mail Fraud claim and I have also filed the theft with XXXX, I am in process of filing the fraud and theft to the XXXX XXXX XXXX. XXXX case to follow.
Consumer complaint received 2022-10-20
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. (NY)

I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Consumer complaint received 2023-07-26
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-12-03
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. (IA)

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

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 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 consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2020-07-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

We had a XXXX XXXX totaled in 2019, where the loan was carried with Ally Financial. It has taken us nearly a year to track down The gap payment between XXXX and Ally. We stayed in communication with Ally the entire time. We were warned about possible late payment credit reporting and then reassured beginning of XXXX That would not happen since we were communicating with them. The day after, we received negative alerts on our credit. This was XX/XX/XXXX. I have spoken with Ally no less than 10 times where I have been told the negative credit reports would be reversed. It is XX/XX/XXXX. Im on my Fifth phone call with them in 13 hours and going on 6 hrs of call time today. 
I have been transferred between representatives multiple times, but never had resolution. 
This practice has caused me financial loss through work hours, as well as the inability to get funding on a new vehicle because of the incorrect negative reporting.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (FL)

I received letters from PNC bank stating my flood designation had changed and I needed flood insurance. I began looking around after receiving yet another letter stating the same. A few days later I received another letter from PNC stating that upon further review, I was not in a flood zone and did not require flood insurance. I filed the letters and dismissed the issue. A few weeks later I received a bill from PNC for flood insurance for over {$3000.00}. Upon the advice of a PNC agent, I bought my own flood insurance at a third of the cost. After numerous calls in which the customer service agents all found that letter of no need and couldn't give me any guidance as to whether I needed insurance, I made one final call. The gentleman I talked to essentially told me I was wrong, the letter did not exist and that he was going to hand me off to an agent to have the flood insurance I ended up buying paid by the escrow. I asked her if she had the letter that said I didn't need flood and she found it in two minutes. So she escalated the issue but now I am receiving letters from my new flood insurance stating PNC is not paying them.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (AZ)

XXXX XXXXXXXX XXXX XXXX OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH XXXX XXXXXXXX AND XXXX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
Consumer complaint received 2023-07-26
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. (IL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (MI)

Mailed out an Adverse Action Letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Certified Mail Return Card Receipt
Consumer complaint received 2023-06-03
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)

I sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to Experian, XXXX, and XXXX. I am a victim of identity theft.
Consumer complaint received 2023-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (WA)

I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2023. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but Navy Federal Credit Union took cash. The finance charge is supposed to include insurance, but Navy Federal Credit required insurance to be purchased separately.
Consumer complaint received 2023-09-28
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 EXPRESS COMPANY (NV)

I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. XXXX XXXX has given me 3 separate inquiries 2. American Express 3. : XXXXXXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX
Consumer complaint received 2023-07-26
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 this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against 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 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
Consumer complaint received 2023-05-02
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. (VA)

XXXX XXXXhas violated sever al FC RA US code 15 rules on my account. violation of 1681 ( b ) permissable purposes of consumer reports and violation of 1666 ( b ) timing of payments
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I am being denied access that I once had the night before or day before I am unable to log into the site I am not able to even reach customer service with the number that they provided I had inaccurate information on my credit report that I was trying to dispute they dispute it some other disputes that I put in but the main one was not addressed for me
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

There are multiple discrepancies with the account from XXXX XXXX XXXX XXXX XXXX : 1. It is reported by both the original creditor, as well as the debt collection agency XXXX XXXX  ) 2. There is a balance discrepancy. Debt collection agency is showing a balance of {$50.00}, while original creditor is showing {$210.00}.

3. The date opened has a discrepancy as well. On the debt collection agency 's report, it is showing a date of XX/XX/2022 for XXXX, but a date of XX/XX/2022 for Equifax.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (PA)

ORIGINAL COMPLAINT FILED XX/XX/22 ; NO RESPONSE UNTIL XX/XX/22 ; DID NOT PROVIDE SIGNED TRACKING PROOF CONFIRMING THAT I RECEIVED A VALIDATION NOTICE PRIOR TO REPORTING TO MY CONSUMER CREDIT REPORT AS I REQUESTED. ONLY STATING THAT YOU DID WITHOUT THE REQUIRED PROOF OF TRACKING INFO, ORIGINAL SIGNED CONTRACT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FDCPA.
Consumer complaint received 2022-12-03
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: DISCOVER BANK (IL)

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Discover bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, XXXX # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights 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 ) ( 2 ) it also states a consumer reporting agency can not furnish a account with 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 purpose.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There was a charge on my CC for {$1600.00}, when I noticed the charge I immediately called Bank of America informing them I did NOT make the purchase & that I was driving ti my house in Michigan on said date & only stopped at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
Says Transaction date was XX/XX/XXXX at a New/Used Car/Truck dealer online. I confirmed w/ my Husband and he also did NOT make the purchase, prior to calling Bank of America . We have 3 OLD Cars w/ no car notes. I have a XXXX XXXX XXXX Original owner & my Husband has a XXXX & XXXX ( unsure of his purchase dates off hand, but was NOT this year! ). 
When I looked up the website claiming I made the purchase it looks fake, barely anything on the site, I emailed them with NO RESPONSE, no other way to contact them other than their site that says so, but only through there and doesnt provide the email to me. No phone number. When I looked up the address ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which I have NEVER been to in my LIFE! ) affiliated with the purchase it is a Residential area. I have absolutely NO IDEA what the purchase even was, because it wasnt me or my Husband. Where were the goods delivered they claim I bought? I only have my XXXX in XXXX XXXX  that has a XXXX  doorbell camera & my XXXX  in XXXX XXXX area that has a Package room. I told BOA this and they made a claim. As of this Friday they put it back on my CC claiming the merchant claims it was me. I am LIVID & requested they reopen, which they did Claim # XXXX I made an appointment tomorrow to go into the branch in person. This purchase was not me & Im willing to pursue charges on this merchant, as well as BOA if they do not rectify this situation. I have absolutely no reason to lie.

The customer service representative stated Based on my purchase history they arrived at the conclusion it was me. WHAT?!

Thats exactly what I said LOOK AT MY PURCHASE HISTORY! I buy for my current Homes & Cars, THATS IT! If/when I get another car it will be NEW & NOT USED! I do not understand how they can claim I made a purchase I do NOT have the goods for. So NOW he said theyll send me the merchants claim-proof, which I will then go file a police report. I have no idea who these people are, what the website does exactly, what theyre claiming I bought for {$1600.00}! But I will fight this until the end. PLEASE HELP ME!
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit recovery act XXXX  account has violated my rights, # XXXX, 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 cannat-furnish a account without my written instructions.

186 15 USC 1666B : A creditor may not treat a payment on a credit card account under c.n open end consumer credit plan as late fore purpose.

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