davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposited an insurance claim check from XXXX for XXXX in the ATM and forgot to endirse the check and now Wells Fargo is holding the check for 10 days before processing it again.
Consumer complaint received 2022-11-30
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (IN)

XXXX XXXX appointment XX/XX/XXXX at which time new insurance card provided by client ( recently turned XXXX and now under individual plan via employer ) ; XXXX XXXX  provides full coverage of all preventative services with {$0.00} copay. 

Sometime after XX/XX/XXXX ( as evidenced by mail forwarding per XXXX from prior residence ) statement sent from dental office with unpaid balance on account dating back to said appt prior year ; no contact prior to this. 

Several phone calls exchanged between myself ( client ) and dental office to refute charges. Discovered Incorrect insurance billed, therefore XXXX XXXX  information provided. Claim rejected as was billed outside the service window. Argued against fault for improper billing as charges are not responsibility of client from clerical error. 

Received call summer/fall of XXXX from collections agency regarding outstanding balance that had been forward. Explained situation and again disputed fault for improper billing as charges were not the financial responsibility of client. Noted these events as if disputed claim would be taken care of/ resolved with dental office. No additional contact from either entity. 

Now XX/XX/XXXX informed of negative impact from unresolved dispute on credit report, affecting favorable mortgage loan rates when believed to be resolved months ago.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (PA)

I have tried several times over the phone to close the Upgrade account # XXXX, card # XXXX, but they always tell me the XX/XX/XXXXthat it is closed because actually the above mentioned account stays active.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

around the month of XX/XX/2023, someone applied for a Target store card in my name and it was approved. The person used {$390.00} of the ttl limit of {$400.00} to purchase items online the same day they were approved. I received a bill in XX/XX/2023 requesting a payment and I called Target to explain that I did not apply for a card. I was directed by the representative to reach out to the credit bureaus and put a fraud alert on my ss # which I did. I also went to the XXXX police station to file a report. 
The target rep was not allowed to tell me where the items were shipped to. I am XXXX years old and I live alone. I have not applied for any store cards because I am on a fixed budget.
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I took out student loans to pay for graduate school in   XXXX  . When I graduated, I was enouraged by    XXXX   XXXX  /  Navient to  consolidate my federal loans with my private loans, which they held and I was encouraged to put my loans in forbearance several times when I asked for help with repayment terms that would make my payments more manageable, as I was just starting out as a public school teacher. They told me that there were few options for repayment and that forbearance was the easiest. They offered no alternative plans or solutions.     In addition, when I became a teacher and learned about public loan forgiveness act, I called several times to inquire about qualifying loans and was told that I would n't qualify and that I was already on the lowest payment plan and that my loans did n't qualify for forgiveness. I ended up contacting the federal government to consolidate all my federal loans with them and am now on year  four  of the plan.     I have been repeatedly given bad information. This information cost me several years of loan forgiveness I could have had through the public loan forgiveness act because I 've been a teacher for 10 years.     When I filed a complaint originally, they did n't really respond to the nature of my complaint. I got a generic response. I contacted the Attorney General 's office and filed a complaint through them because my state is currently suing   XXXX   XXXX  /Navient for similar reasons.     I 'd like my loans  discharged. I h ave paid faithfully, despite constantly receiving misinformation from the company. I pay and pay and the principal barely goes down due to the outrageous interest fees which accrued over the years, especially during forbearance. I feel I 've been kept in debt by them through these interest rates and feel there is no way to get out. I feel that 10 years of consistent payments should have at least brought down my principal significantly. Instead, it remains practically the same as when I took it out, plus several   thousand dollars of interest.
I 'd like to have my loans discharged. What do I need to do?       Sincerely,  XXXX   XXXX
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NY)

Good afternoon! In XXXX of XXXX I took out a vehicle loan with BMW Financial Services. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on BMW Financial Service 's end as it was closing out the account. I reached out to BMW Financial Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document BMW Financial Services sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on XXXX of my XXXX reports ( XXXX ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other XXXX credit reporting bureaus were annotated correctly. I sent a dispute through XXXX. Because it had been almost XXXX years, I did not quickly have access to the correspondence with BMW Financial Services, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email BMW Financial Services sent me outlining the delinquency would be removed, and have since updated XXXX with this information. 

In the meantime, BMW Financial Services has incorrectly told XXXX the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost XXXX years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to XXXX so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.
Consumer complaint received 2023-01-09
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2023-02-15
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Equifax, I have circled the items I dispute on the attached copy of my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the items be removed immediately as those accounts is not mine. Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. please investigate this matter and delete the disputed items as soon as possible. thanks.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

check # XXXX writen to XXXX XXXX XXXX XXXX was stolen from post office and the payee was altered and cashed by bank. this was not discovered until XXXX XXXX XXXX XXXX sent me a letter asking for their money.the bank claims too much time had elapsed before I notified them.it was noted on the check that the check was for 2021 taxes.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: OLD NATIONAL BANCORP (IL)

Violation of the Privacy act of 1974. Old National Bank who holds the loan on my car has been distributing my social security number illegally and continues to do so after giving proof and requesting multiple times for them to stop. Due to Old National Banks negligence my information is being sold on the dark web, loans by strangers have been attempted in my name, large amounts of purchases have been made without my authorization. I have and still am currently all of the above as well as continuing endured great financial loss. I've contacted Old National multiple times, sent them proof that they are using my social security number as a reference number on multiple documents and inform them of the results of their negligence but it continues to fall on deaf ears. Old National refuses to remove my social security number or even address the situation at all, the only thing Old National has done, is report to the credit bureaus that I have missed payments knowingly that they are solely the reason I can not make a payment due to all my accounts being frozen or closed because of them distributing my social security number and it being used fraudulently. Old National is the sole reason I don't have a bank account and that my credit has suffered. My credit has went from the XXXX to XXXX just in the time that they have been distributing my social security number. Strangers are purchasing my information for pennies on the Dollar on the dark web, my medical information is being used without my permission, there has been attempts to take out loans on other vehicles and credit cards, my credit cards have been maxed out by strangers who have gained this information through Old Nationals negligence.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote multiple letters to XXXX and TRANSUNION and the last letters was sent out XX/XX/year>. I never received a response from them before the last letter and now XXXX send me a letter stating that the letters of dispute was not from me. How did they verify that those letters are not from me, I also included my ID and some information. I created those disputes since there are inaccuracies on my report. This XXXX XXXX account number : XXXX is reporting XXXX XXXX  incorrect on TRANSUNION and XXXX. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

please remove fraudulent / unauthorized inquiries off on report from XXXX XXXX on dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: JPMORGAN CHASE & CO. (TX)

Chase auto finance has violated my consumer rights by failing to comply with federal laws that protect consumers. Specifically, they have violated 15 USC 1666B, which requires lenders to provide notice of changes to account terms at least 21 days before the effective date of the change. Despite this requirement, I have never received any notice from Chase auto finance within the required timeframe. I am now requesting verification that they sent out a letter within 21 days certified mail so that I would have received it on time.

Additionally, Chase auto finance has violated 15 USC 1681a, which defines consumer reports and sets rules for their construction. According to this law, consumer reports do not include reports that contain information about a consumer 's transactions or experiences with a particular creditor. However, it appears that Chase auto finance has included such information in my credit report, which has had a negative impact on my ability to obtain credit.

Despite my efforts to resolve this matter with Chase auto finance, they have refused to address the issue and have been in willful noncompliance with the law. As a result, their actions have injured me by hindering my ability to live in the working world through increased interest rates, and by defaming my character and making it difficult for me to acquire credit cards and other loans.
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

- Capital One Bank has improperly and illegally applied a purchase adjustment to my account for {$11.00} - In late XXXX, I filed a dispute with Capital One for the amount of {$29.00} for an item that was bought from a Merchant ( XXXX ). Capital One later improperly filed a dispute for the full purchase amount of {$110.00}, although I never disputed that amount. After several calls, I spoke to someone at Capital One who was able to correct this gross incompetence and they later did a purchase adjustment of {$83.00}. Essentially {$83.00} plus {$29.00} = {$110.00}. 
- On XX/XX/XXXX, Capital One made a purchase adjustment of {$11.00} on my account which is illegal. 
- On XX/XX/XXXX, I received a refund of {$11.00} from XXXX, which was for a different item that was returned to them. Within the {$110.00} purchase that was made from XXXX on XX/XX/XXXX, I made a return for an item for {$11.00}. The merchant received that item and gave me a refund. 
- Capital One is improperly doing a purchase adjustment for {$11.00}, although I never disputed {$11.00} with them. My dispute was for {$29.00}, which they did incorrectly ( by crediting a total of {$110.00} ), and later corrected by doing a purchase adjustment for {$83.00}. 
- Unfortunately, they are not understanding that my purchase for {$110.00} included several items. One of these items was refunded by the merchant ( for {$11.00} ) ; I never disputed that item with Capital One, and never received a credit for that item at any point from Capital One. So, Capital One, has no business doing a purchase adjustment for this. 

It is a shame that a financial company is making these errors which reflects a high level of incompetence which should not be tolerated. 

Capital One needs to apply a credit of {$11.00} to my account because it is for their incompetence and lack of care in improperly doing a purchase adjustment which should never have been done in the first place.
Consumer complaint received 2023-05-24
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: Nelnet, Inc. (NJ)

XXXX has place derogatory account reporting on my credit profile from XXXX XXXX XXXX Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy federal credit card XXXX Unfortunately 2017 I was a victim to identity theft, since then Ive sent out proof of documents to each credit bureau showing police report, since then these things are still popping up on my credit report. At this point dont know what to do. Please remove this matter at your earliest convenience. Thank you!
Consumer complaint received 2023-03-06
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (GA)

I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. Equifax agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX Equifax violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One denied my application for a credit card XX/XX/2022 and sent me an adverse action letter. The reason on the letter States " Based on your application information, there are too many delinquent past or present Capital One credit obligations. I've reached out to them and told them according to 15 U.S.C 1681a ( k ) ( 1 ) they can not deny my an extension of credit based on an unfavorable report.