davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (AZ)

Navient has been garnishing my XXXX payments for 5 years. I would typically receive XXXX dollars a month but have been surviving on XXXX dollars a month. I have called and spoken to them about the amount they are taking because I am barely able to support myself and my kids. I have been declared XXXX since XXXX and when contacted by them I explained my situation but they never offered me any relief or options. Just forbearance and deferment actions. I now am in a loan rehabilitation program with XXXX XXXX but now am receiving letters from a NEW company wanting to collect the original amount due on my loans from XXXX! So, I have been forced to pay over XXXX dollars to nothing and now my accounts are with a new agency??
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (RI)

TD Credit Card Former CC user - no issues took advantage of 0 % interest period promo Cancelled card a few years ago Received an pre-approved invitation to apply on XX/XX/XXXX and denied on XX/XX/XXXX. 

REASON : INSUFFICIENT CREDIT HISTORY REPORTED IN THE LAST 6 MONTHS. 

I am XXXX and have had credit as old even before XXXX. Always paid on time, never late. Every active 0 % promo CC is under 30 % ; and under 16 % of all CC under my name. 

I am claiming age discrimination and yet XXXX on XXXX XXXX is XXXX - no car loan, no mortgage. I use CC only 0 % promo cards under a XXXX of credit limit and treat each card as if a balloon loan and payoff the final balance when the promo expires - paying no interests or late fees.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NH)

XXXX keeps reporting an auto account that has been discharged in bankruptcy, which I have disputed more than once, among other accounts. Furthermore, my score has dropped XXXX points for no apparent reason and is inconsistent with the other XXXX major credit reporting agencies, XXXX and Experian, by about XXXX points. Also, they report things that are old enough to be removed at this point. I filed bankruptcy in XX/XX/XXXX and in XX/XX/XXXX my old debt was discharged. I have only two credit cards at present, both of which have consistently been pain on time. I would like XXXX credit reporting on my account to be investigated, because my they are seriously impacting my credit score in a negative way while I have been working diligently to repair it.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information. The account listed XXXX Account # : XXXX has several inaccuracies which means this account has not been properly validated and verification can not be provided. This is a violation of my consumer protection rights under FCRA. 


Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I went to court on XX/XX/2018 for a debt of {$1100.00}. I pled guilty and discussed with the debt collection agencys attorney the repayment plan. The attorney stated I could make {$25.00} payments and that these could be made through my current debt management agency. I was to call the debt collection agency to set up my payment. 
I called on XX/XX/18 and spoke to a XXXX. He told me that my payment would be {$220.00} a month. I relayed to him what his companys attorney told me I could make a {$25.00} payment. He put me on hold and then said he can only do {$150.00}. He also told me I could not send in a payment by check. He stated I had to give him either my routing and transit number or my debit card number. 
I felt completely pressured to give him my private bank account number and feel extremely violated. I did not want to give any non public information of mine to him but Felt pressured to do so.
Consumer complaint received 2023-03-17
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. (VA)

There are several inquiries on my credit report that I did not authorize nor have given authorization to pull my credit report on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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. (NC)

Trans union placed a fraudulent account on my credit report without verifying if it was correct. This is a direct violation of the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. My rights have been violated.

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 2023-10-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/2021, I paid the full amount for both my leased vehicles. I have been waiting for my titles for the past 2 years. They said they sent it to my home address but I have never received anything from Hyundai Motor Finance. I have called them number times and have even sent them a check to request my title. They give me the run around and have even hung up on me multiple times. 

I need the titles to BOTH my vehicles before the end of the year.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I reported that my Bank of America credit card, generally used by my son XXXX, was lost or stolen in early XX/XX/2023, with the result that the card was used by an unauthorized, unknown thief to make multiple charges over the course of the month, totaling {$1300.00}. The first fraudulent charge was made around XX/XX/XXXX and they continued throughout the month of XXXX, generally in small amounts of {$20.00} to {$40.00}, resulting in the final amount of {$1300.00}. All or nearly all of the charges were from XXXX, XXXX, where my son had visited in early XXXX but left to meet us in XXXX on XX/XX/XXXX. He did not report the card as lost until I noticed the fraudulent charges near the end of XXXX, at which point I immediately notified Bank of America. They started a claims and published a " resolution letter '' on XX/XX/XXXX stating that XXXX, unfortunately, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' But as I stated, the credit card was lost or stolen as of early XXXX and the charges were not made by anyone who was allowed to use the card.
Consumer complaint received 2022-11-24
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. (VA)

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I have a fraudulent account on my credit report, which I reported it to JPMCB CARD SERVICES, yet JPMCB CARD SERVICES is not removing this fraudulent account. JPMCB CARD SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet JPMCB CARD SERVICES has refused to do this. The following is the fraudulent account : JPMCB CARD XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I am appalled by the persistent presence of fraudulent accounts on my credit report, despite assurances from reputable banks and validation of identity theft. The failure to remove these entries, despite clear evidence of their fraudulent nature, constitutes a blatant violation of credit reporting laws. 
Attached are the police report, and details of the fraudulent accounts. 
Account Name and Number : XXXX XXXX XXXX Police Department : XXXX XXXX POLICE DEPARTMENT Police Report Number : XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (PA)

in accordance with the fair credit reporting act XXXX account 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 cunsumer reporting Agency can not Furnish a account without my written instruction.

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 2023-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (DE)

XXXX reversed XXXX XXXX separate payments on XX/XX/2023 in the total amount of {$1200.00} as of today these funds have NOT been returned to my utility spending account. 
I have just learned that XXXX XXXX uses a thirty party payment vendor called XXXX owned by XXXX XXXX.
Consumer complaint received 2023-05-10
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-11-24
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. (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 updated ( 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

I have been trying to contact aidvantage for several days to get information about my student loan balance and some other questions. I have called numinous times. The hold time is over an hour, and when I am finally connected to a service rep. I am quickly disconnected. 

The one time I was able to speak with a customer service provider 100 % of the information that was provided was false. Including the phone number to FSA.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MD)

XX/XX/XXXX - lost access to my venmo account. Received error XXXX exception : Unauthorized.. each time I tried logging in. 

XXXX XXXX XXXX my wife lost access to her account as well. Neither of us could receive a verification code to get into our Venmo accounts and we continued receiving the same error whether we tried accessing our account by phone or by computer XX/XX/XXXX- both of us reached out to Venmo customer service. We both were told to wait 24 hours and to try again after that. This did not work and I did not expect it to work based on the nature of an XXXX error. So this was clearly an attempt at a cover up and to buy time since Venmo is still probably currently in the process of trying to fix it. 

XX/XX/XXXX - my rent was due and my Landlord uses Venmo to receive payment. So now I am late on my rent payment. 

XX/XX/XXXX - found out from various blogging posts that this issue is being faced by many Venmo customers and Venmo remains to be silent. So I read that this is mainly being experienced by people who have connected their account to other budget and small business platforms e.g XXXX XXXX XXXX. We did have our accounts linked to the XXXX XXXX XXXX XXXX XXXX so it fits what I was reading. 

XX/XX/XXXX - 3 days without a response from venmo, 7 days without access to my account, which is very concerning from a customer perspective, especially given this is financial data that has impacted me and many other peoples livelihoods. Still no comment from Venmo on what is the issue and no communication on whether they are trying to solve it. I still can not access necessary funds in the account to pay certain bills. I am not receiving direct deposit via venmo, but I imagine for those who are that this is an extreme concern.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

I have a checking and a saving account with Chase Bank.I have those account for a very long time over 30 years. 

Suddenly chase is charging my saving account a fee of 5.00 every month. 
I don't understand why. I use my account to pay all my bills and I try to maintain some fund in my account but chase keep charging me the XXXX fee. I can not afford to be charged unnecessary charges. 

On XX/XX/XXXX, XXXX was debited from my saving. 
On XX/XX/XXXX, XXXX was debited from my savings. 
I would like chasse to credit my account back for all the necessary charges.